CRA reported me as deceased... Please help.Answered
Two months ago I found out that TransUnion flagged me as deceased when I tried to get a student loan. This is noted on my credit report and upset me because I was denied the loan. I have written to the CRA but they have not acknowledged their mistake. This is important to me at the moment and this problem is bothering me a lot. Can you please tell me who has experienced this, is there anything I can do to resolve this situation? Thank you.
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1 answer
Being incorrectly flagged as deceased can certainly be a significant issue, especially when it affects your ability to secure a student loan. The fact that you've already written to the CRA is a good first step. I'd recommend taking the following steps:
Make sure to keep a record of all your communications with TransUnion, including the dates and details of your letters or emails. This will be crucial if you need to dispute the error further.
Regularly monitor your credit report from all three major CRAs (TransUnion, Equifax, and Experian). It's possible that the error has also affected your reports with the other agencies. You can obtain a free annual credit report from each agency at AnnualCreditReport.com.
While you mentioned that they haven't acknowledged their mistake yet, be sure to keep an eye on their response. It can take some time for them to investigate and rectify errors.
If TransUnion continues to not respond or if they do not resolve the issue satisfactorily, you may need to dispute the error again. You can do this through TransUnion's online dispute portal or by sending a certified letter.
If the issue persists and it significantly impacts your financial situation, you might want to consult a consumer attorney for legal guidance. They can help you navigate the dispute process and, if necessary, take further legal action.
As a useful resource, I would strongly recommend checking out the article on ConsumerAttorneys.com regarding TransUnion and deceased status ( https://consumerattorneys.com/article/transunion-deceased ). This resource can provide you with valuable insights and possibly even contact information for experts who can assist you in resolving your issue.
Remember that errors on credit reports can have a profound impact on your financial well-being, so it's crucial to be persistent and stay proactive in getting the issue corrected. I hope this helps, and I wish you the best of luck in resolving this situation.
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Thank you so much for the detailed answer. Very informative!