Do I need marked as deceased on credit report lawyers to fix this error or can I dispute it myself?

Question

My credit report from TransUnion shows "consumer deceased" and I've been trying to fix this for two months now. I sent in my driver's license, a copy of my Social Security card, recent pay stubs, and even a notarized letter stating that I am very much alive. TransUnion sent back a letter saying they "verified" the information and it will remain on my report. How can they verify that I'm dead when I'm clearly not? I've been denied for two apartment applications, my credit card company closed my account, and I'm terrified this is going to spread to other areas of my life. Everyone keeps telling me to just keep disputing, but I've already done that twice and nothing is changing. Do I really need to hire marked as deceased on credit report lawyers for something this obvious, or is there something else I can do on my own that will actually work?

Consumer Attorneys · Accepted Answer

When you're marked as deceased on your credit report and the bureau has already rejected your dispute despite clear evidence that you're alive, you've reached the point where legal intervention is often necessary. Under the FCRA, credit bureaus like TransUnion must conduct a "reasonable investigation" when you dispute information (15 U.S.C. § 1681i). When they "verify" that you're deceased despite receiving proof of life documents—your ID, pay stubs, and notarized statement—they're failing this legal duty. This isn't just an administrative error anymore; it's evidence of negligence that may entitle you to legal remedies.

Why hiring marked as deceased on credit report lawyers makes a difference:

Bureaus take legal demands seriously: When an attorney sends a demand letter or files a lawsuit, credit bureaus can no longer brush off your dispute with automated responses
We gather evidence of harm: Lost apartment applications, closed accounts, and damaged credit opportunities all become part of your legal claim for damages
We hold them accountable: If TransUnion already rejected valid proof of life, they may have violated FCRA requirements for reasonable reinvestigation
Attorney fees are covered: Under the FCRA (15 U.S.C. § 1681n and § 1681o), if we win your case, the credit bureau pays our legal fees—not you

While you have the right to continue disputing on your own, the reality is that credit bureaus often ignore repeated consumer disputes, especially when they've already taken a position. An attorney can escalate your case from an administrative dispute to a legal matter that demands immediate attention. If TransUnion verified you as deceased despite overwhelming evidence to the contrary, this suggests either a systematic failure in their procedures or willful disregard of the facts—both of which are actionable under the FCRA. We can help you not only correct this error permanently but also seek compensation for the damage it has caused to your financial life. Contact our firm today for a free case evaluation. We work on contingency, so there's no upfront cost to you, and we only get paid if we successfully resolve your case.