Why does my credit report say consumer deceased?

Question

I pulled my credit report to check my score before applying for a mortgage, and I was shocked to see a note that says "consumer deceased" or something similar. I'm very much alive, but now I'm worried this error is going to block me from getting approved for anything. I've never had this happen before. How does a credit bureau even make this kind of mistake, and what do I need to do to prove I'm not dead and get this fixed immediately?

Consumer Attorneys · Accepted Answer

This is one of the most damaging errors a credit bureau can make, and it's a clear violation of the Fair Credit Reporting Act's accuracy requirements. When your credit report incorrectly lists you as deceased, it can instantly freeze your financial life, blocking new credit, loans, and even employment opportunities. This type of error typically occurs when credit bureaus rely on faulty data matching systems or mix your file with someone else's.

To correct this error:

Obtain copies of your credit reports from all three bureaus (Equifax, Experian, TransUnion)
Dispute the "deceased" notation in writing, including proof of identity (government ID, Social Security card, utility bills)
Send disputes by certified mail to create a paper trail
Request immediate correction and an updated report sent to any creditors who received the false information

Credit bureaus are required under the FCRA to conduct a reasonable investigation and correct inaccurate information promptly. If they fail to remove the "deceased" notation despite clear evidence, or if this error has already caused you harm, such as loan denials, credit freezes, or damaged credit opportunities - you may have grounds for legal action. We help clients hold credit bureaus accountable for these serious errors and seek compensation for the financial and emotional harm caused. Contact us for a free case evaluation to discuss your rights and next steps.