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Listed as Deceased by a Credit Bureau? File an FCRA Lawsuit and Seek Compensation

Consumer Attorneys: Sue Credit Bureaus for Wrongfully Reporting You as Deceased

  • Correct Your Report: We’ll ensure your credit reports are accurate,so you can move forward without false records holding you back.

  • Comprehensive Compensation: From financial losses to emotional distress, we’ll seek full compensation for the harm you’ve suffered.

  • Zero Out-of-Pocket Cost: Credit reporting errors shouldn’t cost you anything - we make sure they pay for all damages and legal expenses.

INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“CA”), hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1 Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1 You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2024CA119

I have read and agree to the Privacy Policy, Investigative Retainer
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My Credit Report Shows Deceased. What Can I Do?

If the credit bureaus show you as deceased, it means your credit report has been or will be blocked, and creditors won't be able to access it. This can cause your credit score to drop to zero, preventing you from applying for credit or housing. In some cases, the inaccurate deceased notation may also impact your employment and insurance opportunities. It can be a shocking and frustrating experience to see yourself listed as deceased on your report. However, the Fair Credit Reporting Act (FCRA) protects you from such errors and requires credit bureaus to compensate you fully for any lost opportunities and emotional distress you’ve suffered. Contact us today to remove the inaccurate information and fight for your rights.

REASONS FOR LITIGATION

REASONS FOR LITIGATION

If the credit bureaus have falsely reported you as deceased, your consumer rights have been violated. Here's why you should take legal action against them:

  • You’ve experienced financial losses and lost credit, housing, or other opportunities because of the erroneous deceased notation.

  • You want to receive monetary compensation from the credit bureaus who mistakenly reported you as deceased.

  • Credit bureaus failed to correct the incorrect deceased notation, and you’re seeking reliable, accurate consumer reports moving forward.

  • You want to protect your rights and make sure your credit report is accurate for future credit, loan, or housing applications.

Why Does the Credit Bureau Show Me as Deceased?

There are two most common reasons why you might have been reported as dead by the credit reporting agencies. One of them is mistakes during data entry, whether by humans or automated systems, can lead to your information being incorrectly flagged as deceased. The second reason is file mix up credit bureaus receive death notices from various sources, including government agencies. If your name is similar to someone who has passed away, the bureau may mistakenly report you as deceased. These errors can prevent you from securing the credit, housing, or job opportunities you deserve. It s crucial to act and have your credit report corrected to restore your access to these vital opportunities

HOW IT WORKS

What Can You Do if the Credit Bureaus Reported You as Deceased?

1

Step

Get Consumer Report and Denials

Obtain a copy of your report that shows the deceased notation and any denial letters stating that you were denied credit, housing, or other opportunities due to the deceased indicator.

2

Step

SCHEDULE A LEGAL REVIEW

Our experienced team of paralegals will thoroughly review your consumer report and denial letters, investigating the error. We will assess the damages you ve suffered and guide you through the next steps.

3

Step

FILE A LAWSUIT

We file a lawsuit against any reporting agency that mistakenly reported you as deceased. We will demand the highest compensation for you and ensure your reports are accurate. Get justice today!

Disputing a deceased notation with the credit bureaus may correct the error, but it won’t compensate you for the damages you've suffered. Contact us for a better solution and don’t let the credit bureaus get away with it!

GET LEGAL HELP WITH YOUR CREDIT REPORTS TODAY

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ABOUT US

Consumer Attorneys is one of the leading consumer protection law firms in the United States

We are a team of attorneys, legal assistants, case managers, and other dedicated professionals committed to correcting errors in individuals' background and credit reports. We work to help clients swiftly correct inaccuracies, restore their reputations, and uphold their rights. Our expertise includes resolving cases of mixed identity, addressing erroneous information, and holding consumer reporting companies accountable for their mistakes in court. We also assist clients in overcoming housing and employment denials caused by false reporting.

Find a lawyer

10,000+

Nationwide Clients

25+ Years

Combined Experience

$100+ Million

Recovered for Clients

WHY CHOOSE US?

Consumer Attorneys gives you a helping hand

We have earned the respect and praise of judges, the lawyers we face in the courtroom and, most importantly, our clients by caring about their issues and coming up with innovative solutions to their consumer finance issues. Our team of experienced attorneys are dedicated to helping our clients understand and navigate every step of the case. While we are based in New York City, we represent the interests of consumers nationwide in both state and federal courts.

FREE LEGAL SUPPORT

It is not you who pays us. A favorable court resolution will be our remuneration.

REPUTATION FOR SUCCESS

We have proven success in class-action litigation, as well as the skills and resources needed for every case.

PASSIONATE CONSUMER ADVOCACY

We sue consumer reporting agencies for mistakes and collection agencies for FDCPA violations.

We understand the harm that big credit reporting can do to innocent consumers. We also understand how difficult, expensive and emotionally draining it can be to untangle mistakes that weren't yours in the first place. Consumer Attorneys doesn't take a dime from its clients until we reach a settlement or a court decision in our clients’ favor.

Am I Entitled to Compensation?

We believe credit reporting companies should be held accountable for the distress they put consumers through. The reputational damage, lost credit opportunities, and non-budgeted spending that can stem from credit report mistakes could make you eligible for compensation. If your rights were violated under the FCRA, you could win actual and/or statutory damages if your claim is successful. Consumer Attorneys will offer a free consultation where you’ll receive an estimate of how much your case is worth.

YOU SHOULD KNOW THAT...

Someone else’s accounts and information and accounts included on your credit report.

Fraudulent credit accounts and loans appearing on your credit report.

Erroneous records like incorrect criminal convictions, credit accounts, civil records and etc.

Don’t fight credit bureaus alone. The volume of complaints received by these companies means more damaging mistakes are often made during the dispute process. Let us know if our experienced and empathetic attorneys can help you get the justice you deserve.

Let's Prove To Every Consumer Reporting Agency That You Are Alive And Restore Your Right To Credit

If you’re a victim of false information in credit reporting, you already know the consequences. It can lead to credit or housing denials, and erroneous information on your report can ruin your life and derail your plans in an instant.

WHAT OUR CLIENTS ARE SAYING

Vincent's testimonial

Vincent

Georgia

One day I received a letter saying my credit card was closed because I was reported dead—seriously? Turned out TransUnion reported me as deceased to my bank, locking all my accounts. I reached out to Consumer Attorneys, and together we sued TransUnion. After settling the case, we made them notify everyone about the mistake, and my accounts were reopened. The whole process took about six months, but it was worth it!

Tori B's testimonial

Tori B

New York

The Attorneys at Consumer Attorneys PLLC are exceptional in consumer protection cases. They were very straightforward about the possible outcomes and always seemed to be one step ahead in planning our strategy. The paralegal staff was also courteous and prompt in their responses, which made the whole stressful process much more bearable. I am profoundly grateful for their services.

Alicia's testimonial

Alicia

Florida

I was denied credit right before Christmas, and the credit bureaus left me stuck—my reports were locked, and I couldn’t even access them. With the help of a legal assistant at Consumer Attorneys, we managed to request my reports by mail, only to discover that Experian had wrongly reported me as deceased with no reason. They had to pay for ruining my Christmas. Thank you, Consumer Attorneys!

FREE CONSULTING FOR OUR CLIENTS

CALL US NOW: +1 877-615-1725
INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“CA”), hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1 Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1 You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2024CA119

I have read and agree to the Privacy Policy, Investigative Retainer
Supported file formats:
CONTACT US

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68-29 Main Street, Flushing NY 11367

+1 877-615-1725

info@consumerattorneys.com

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