Old account reported me as deceased 😕

[Anonymous]

This morning I got an alert from Experian than an old charge off account that is due to fall off within the head has reported me as deceased. Has anyone else experienced this and did it affect your credit much? My Experian app won’t show me a score at the moment. Thanks in advance for the advice!

[Anonymous]

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@Anonymous wrote:
This morning I got an alert from Experian than an old charge off account that is due to fall off within the head has reported me as deceased. Has anyone else experienced this and did it affect your credit much? My Experian app won’t show me a score at the moment. Thanks in advance for the advice!

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Never heard of that!

To ensure your well being hope the CB didn't find it necessary to tattle to world and send a comment on your passing anywhere else? Seems the CBs feel this community need to tell others about our activities.

[Anonymous]

I tried to check my Credit Karma scores and there are no scores so apparently the word is out I guess. This is frustrating and I’m hoping it doesn’t result in any suspensions on my other accounts. I’ve worked hard to bring my scores up and have some really good cards I don’t want to lose.

[Nomad3]

The credit bureaus have articles about this, the general consensus is send them a letter with your information and a statement to the effect of you are not deceased. Unless it was a mistake by the social security administration, then you have to deal with them first. Not sure if we are allowed to link to outside urls but I found the articles google searching "mistakenly reported deceased credit bureau"

[Anonymous]

Yes this happend to me. It dropped my score to 0 on Experian and -1 on Equifax. ¯\_(ツ)_/¯

I was about to start my rebuild anyway so I just ignored it. I opened up a Cap1 and Discover secured card and I had a score again. Somewhere in the 500s iirc once those two opened up.

[Anonymous]

Was just about to offer my condolences. 

I wonder if this was a revenge reporting for not ever paying them back, or that sine it has tene you so long that they just assumed you had expired? Surely they would need documantation to report such a status though?

I guess weirder things have happened. 

[coldfusion]

Been there, done that, got the t-shirt.  This is something you want to be proactive in addressing else it will keep resurrecting itself. The immediate concern would be if an issuer saw the bogus flag during a normal AR soft pull, flagged your account that you're deceased, and then triggered a fraud alert the next time you tried to use that card. Fraud alerts get reported and can show up on CRAs.

Not only do you need to talk to the CRA, you should also visit your local SSA office to have them confirm your current status and request in writing a copy of your LexisNexis consumer report.  The SSA website lists acceptable forms of iD, be sure you have what you need with you when you go.

[CreditInspired]

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@coldfusion wrote:

Been there, done that, got the t-shirt.  This is something you want to be proactive in addressing else it will keep resurrecting itself. The immediate concern would be if an issuer saw the bogus flag during a normal AR soft pull, flagged your account that you're deceased, and then triggered a fraud alert the next time you tried to use that card. Fraud alerts get reported and can show up on CRAs.

Not only do you need to talk to the CRA, you should also visit your local SSA office to have them confirm your current status and request in writing a copy of your LexisNexis consumer report.  The SSA website lists acceptable forms of iD, be sure you have what you need with you when you go.

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^^^ this. 

Seriously, please take care of this like yesterday or it will have a domino effect.