My Credit Report Says I’m Deceased. What Can I Do?

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When you check your credit report after being denied a loan, you may be shocked to discover that your report lists you as deceased when you are very much alive! While this may seem like a funny, albeit morbid, error, it can have detrimental impacts on your life. As such, it’s in your best interest to keep reading to discover how a Los Angeles, California inaccurate account information disputes lawyer can help you remedy this error and receive compensation for any damages you may have endured.

Why Does My Credit Report Say I’m Deceased?

Generally, there are two circumstances to explain why you are listed as deceased on your credit report. In some instances, a creditor may list you as deceased if you co-signed a loan with someone who has passed away. Additionally, you may find that if the social security number associated with your identity is listed as deceased, it will likely be reflected on your credit report.

However, it is also possible this false report that you are dead is caused by a data entry error. Unfortunately, these do happen despite the impact it has on consumers.

Why Is It Important I Remedy this Error?

If listed as deceased, you may not understand why it’s so critical to ensure you fix the errors. Generally, when there is an error as severe as reporting you as dead, it can impact your credit score and personal life. This is because creditors will not generate loans for the deceased. Additionally, companies may begin to revoke your lines of credit or cancel your insurance policies.

If reported as dead, it’s imperative to contact the credit reporting bureau as soon as possible to fix these instances. You can file a report with the agency, but you may also need to visit your local Social Security Administration office to obtain proof that you are not deceased.

What Can I Do if I’ve Suffered Damages?

Unfortunately, being falsely listed as dead can have severe impacts on your ability to receive loans. As such, you may suffer economic damages as a result. Under the Fair Credit Reporting Act (FCRA), you are entitled to recover damages when the false information on your report is the reason you have suffered.

Additionally, you may be able to recover non-economic damages for the stress, anxiety, or depression the impact of being reported as dead can have on you.

If you need assistance having the incorrect information removed from your account or you want to seek compensation for the damages you’ve endured, ensuring you reach out to Los Angeles Legal Solutions is crucial. Our dedicated team understands how frustrating these instances can be. As such, we will work to help you receive the justice you deserve for these mistakes. Contact our firm today to discuss the details of your circumstances with a member of our legal team.

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