How do I remove deceased status from my credit report?

Question

My credit report shows me as deceased and I need this fixed immediately. I've already been denied for two credit cards and my mortgage application is in jeopardy. I called one of the credit bureaus and they told me to send documentation, but I'm not sure what exactly they need or how to make sure this gets resolved quickly. I can't have this mistake sitting on my report for weeks or months, I need my credit restored now. What specific documents do I need to send, where do I send them, and what's the fastest way to get the "deceased" label removed from all three credit bureaus?

Consumer Attorneys · Accepted Answer

Removing a deceased status from your credit report requires swift and well-documented action because this error can immediately paralyze your financial life. Under the FCRA, credit bureaus must maintain accurate information and investigate disputes promptly, especially when the error is as severe as incorrectly marking a living person as deceased.

To remove the deceased status effectively:

Prepare a comprehensive dispute package including: government-issued photo ID, Social Security card, recent utility bills, bank statements, tax documents, and any other proof that you are alive and actively using credit
Write a clear dispute letter to each credit bureau (Equifax, Experian, TransUnion) stating that you are incorrectly listed as deceased and demanding immediate correction
Send everything by certified mail with return receipt so you have proof of delivery
Keep copies of everything you send
Follow up in 10-14 days if you haven't received confirmation that your dispute is being processed

The credit bureaus should act faster than the standard 30-day investigation period given the extreme nature of this error. If they fail to correct your status quickly, continue reporting you as deceased after you've provided clear proof of life, or if you've already suffered financial harm from this error, you may have grounds to take legal action. We help clients in these situations accelerate the correction process and pursue compensation for damages caused by the bureaus' failure to maintain accurate records. Contact us for immediate assistance, we can help ensure your credit is restored and your rights are protected.