The data furnishers that sell your information to Equifax (and others) are basically all of the companies you have a direct financial relationship with, such as your credit card companies, banks, service providers, etc. The data furnishers are the names you’re familiar with, such as your credit card companies, banks, service providers, etc. Third-party companies (ones you don’t have a direct relationship with) also scan municipal records and sell the data to Equifax, and the Social Security Administration (SSA) provides information. These other companies are called data furnishers because they furnish (or provide) the data. ” While this is a very real problem with very real consequences, you are not alone, and there is a clear path to legal, financial, and emotional recovery. This is why there are some critical things to be aware of and why you should consider aligning yourself with an attorney for consumer protection if Equifax is reporting you deceased. Request and review not only your Equifax credit report but the reports from the other credit bureaus as well (Experian and TransUnion). Paying down as much credit card debt as you can each month, and making more than the minimum payment when possible, will help you pay down credit card debt that much sooner.
Identity Theft: Identify theft, along with its persistent companion, Identify fraud, are crimes that can have broad and devastating financial implications for consumers, including being reported as deceased on credit report attorney as deceased by Equifax. Thus, when Equifax generates a report, you may be falsely marked as deceased on one or more accounts. If you received an Equifax deceased alert on your credit report, no matter how far along into the remediation process, you know that it’s neither simple nor expedient to repair your financial records and get your life back to good. When Equifax erroneously marks you as deceased, speaking with a consumer protection lawyer skilled in these types of disputes is the best way to ensure a maximally speedy and effective recovery. Work with an Equifax lawyer. Discovering that Equifax has mistakenly identified you as deceased can be shocking. Co-signer death: The death of an account holder who was a co-signer on an account associated with you can result in you being mistakenly identified as deceased by Equifax.
The credit card issuer issues a credit card to a customer at the time or after an account has been approved by the credit provider, which need not be the same entity as the card issuer. Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Our lawyers have years of experience practicing consumer protection law, fighting for the rights of consumers under the Fair Credit Reporting Act, and holding Equifax and other CRAs accountable. However, with little incentive to implement effective gathering and review strategies, Equifax generates mixed files regularly. With basic, proper review protocols, Equifax should be able to quickly and easily differentiate the people and eliminate incorrect data from the report being compiled. Frequently, this means that you guarantee them an amount of money upfront, and they don’t guarantee you anything, not even a successful resolution to your false Equifax deceased notification.
Where is a Deceased Indicator Located on My Equifax Credit Report? An Equifax credit report is compiled when Equifax purchases streams of data about you from other companies. If you haven’t already, you will eventually come across companies that market themselves as easy credit repair agencies. The “responsible” party for each account will indicate if the person associated with the account is deceased. The deceased indicator on your Equifax credit report is located within the information for each account listed. Stocktwits, or the collection agencies we retain, may also report information about your account to credit bureaus, and as a result, late payments, missed payments, or other defaults on your account may be reflected in your credit report. Access to lines of credit and assets will be frozen. So it’s possible that each of your three credit reports will be slightly different. Divorce Is Not Reflected on Report: If you’re divorced, your previous spouse’s debts should have been removed from your credit report.