In recent years, we have observed a noticeable increase in the number of errors in credit reports related to the incorrect indication of consumers as Equifax consumer deceased.
Statistical data on the scope of the problem in the USA:
- Last year, more than 2% of consumers faced the erroneous indication of their status in credit reports.
- Of them, 71% of consumers learned of this error when they decided to obtain credit.
- Nearly 56% of affected cases were successfully resolved through the dispute procedure, however, this process can be lengthy and burdensome.
In this context, our law firm offers free services to dispute incorrect information in credit reports. We understand the financial pressure and stress our clients face due to such errors and strive to provide an effective and quick solution to these problems without any preliminary expenses on the part of the client.
Benefits of seeking help from our company:
- Free services: Our company operates on the basis of reimbursing expenses after successfully resolving your problem. This means that you do not bear any financial risks by seeking our help.
- Professionalism and experience: Our specialists have deep knowledge and years of experience dealing with similar cases, which guarantees a high likelihood of a positive outcome.
- Individual approach: We carefully study each case and develop a strategy most suitable for the specific situation, considering all nuances and features.
We are confident that correct and timely dispute of incorrect information in credit reports is key to restoring your financial health and access to necessary financial services.
Client cases and examples of our victories
In this section, we will share cases in which our team has successfully helped clients correct errors in credit reports, erroneously indicating them as deceased. These examples demonstrate our professionalism and individual approach to each situation, emphasizing the importance of data accuracy and consumer rights protection.
Case: Incorrect Identification
Client: John
Problem: Equifax erroneously marked John as Equifax says i’m deceased due to a system glitch. Because of this error, John faced serious financial difficulties: his credit applications were rejected, access to his existing credit lines was blocked, and his credit rating sharply fell, making it impossible to obtain the mortgage he had planned for. John also encountered problems when trying to obtain insurance and other financial services, as his financial identity was incorrectly reflected in the systems.
Solution: We conducted a thorough verification of John’s identity and successfully disputed the error, restoring his credit rating and financial identity. Thanks to our intervention, John was able to restore his access to financial products and services, and his credit rating was adjusted, allowing him to continue planning to buy a home.
Case: Data Entry Error
Client: Emily
Problem: A data entry error led Equifax to mark Emily as Equifax showing deceased. This incorrect indication caused denials in credit applications, problems with current bank accounts and credit cards, and the inability to obtain approval for new financial agreements, including vital transactions such as car leasing. Emily faced significant financial and emotional difficulties as she had to prove her liveliness and restore her credit history.
Solution: Through detailed analysis of the credit report and provision of necessary evidence, we corrected the error and restored Emily’s access to financial services. In addition to adjusting the credit report, our team provided Emily with legal support in restoring her credit reputation and consultations on preventing such situations in the future.
Case: Frozen Bank Accounts
Client: Sarah Ellison
Problem: As soon as Equifax erroneously marked Sarah as Equifax says im deceased, her bank accounts were frozen, leading to an inability to access her funds and significant financial difficulties. This error also affected her creditworthiness and caused denials in approving new credit applications, undermining her financial independence and causing stress and anxiety due to the potential threat to personal financial security.
Solution: Our team took on Sarah’s case, using our knowledge in consumer rights protection and credit report correction processes. We provided the necessary documents to confirm her live status and actively cooperated with Equifax to eliminate the error. After correcting the error, we also helped Sarah in restoring access to her financial resources and provided consultations on further monitoring of her credit history to prevent similar incidents in the future.
Case: Mortgage Obtaining Problems
Client: Alex
Problem: When Alex attempted to obtain a mortgage, he discovered that his credit report from Equifax indicated that he was Equifax deceased alert, which immediately led to the denial of his mortgage application. This incident not only halted the home buying process but also necessitated an urgent solution to correct his credit history, considering the importance of maintaining financial reputation for future financial operations.
Solution: By turning to us for help, Alex received full support in the dispute process. Our team provided all the necessary evidence of his live status and worked directly with Equifax for a quick problem resolution. After correcting the error in the credit report, we also offered Alex credit history monitoring services to ensure such errors do not affect his financial future.
How often last year people addressed errors in credit reports
| State | Errors |
| California | 78,267 |
| Texas | 58,322 |
| Florida | 41,895 |
| New York | 37,746 |
| Illinois | 25,403 |
| Pennsylvania | 25,674 |
| Ohio | 23,487 |
| Michigan | 20,159 |
Step-by-step guide to correcting an error in the credit report
Step 1: Obtaining Credit Reports
- Get your free credit reports from all three major credit bureaus (Equifax, Experian, TransUnion) through AnnualCreditReport.com.
- Check the reports for errors, especially sections related to life status.
Step 2: Collecting Evidence
- Gather all necessary documents proving your live identity, including a government-issued ID, passport, driver’s license, and social security.
Step 3: Writing a Dispute Letter
- Write a dispute letter to each credit bureau that has the error. State your name, address, date of birth, social security number, and the specific error you are disputing.
- Attach copies of all collected documents as proof of your live identity.
Step 4: Sending the Dispute Letter
- Send the letter and documents by mail with delivery confirmation. This will provide you with proof that your letter was received.
Step 5: Tracking the Process
- Credit bureaus are required to review your complaint within 30 days. They must also inform you of the review result.
- Monitor updates in your credit report during this time.
Step 6: Checking Corrections
- After receiving confirmation from the credit bureaus, check your credit report again to ensure the error has been corrected.
- If the error is still present, it may be necessary to repeat the process or seek legal assistance.
Step 7: Monitoring Credit History
- Subscribe to a credit history monitoring service to avoid similar errors in the future.
- Regularly check your credit reports to timely detect and correct any inaccuracies.
Call Us
This action plan is intended to help in self-correcting an error in the credit report related to the incorrect indication of a consumer’s status as deceased. In case of difficulties or for additional assistance, contact us. We will easily and quickly solve all your problems.
