Reported As Deceased On Credit Report Attorney
Have You Been Wrongfully Reported As Deceased On Your Credit Report? Our Attorneys In Atlanta, Georgia Are Here To Help You
You are alive and well, and waiting on approval from the credit card company for a new credit card. But then the credit card company informs you that it has denied your credit application because you have been reported to it as deceased by a consumer reporting agency like Equifax, Experian, or Trans Union. Unfortunately, this situation is all too common, and consumers suffer mortgage denials, credit card denials, and other credit issues because of this inaccurate credit reporting. This is when you need the legal help of a reported as deceased on credit report attorney from Weiner & Sand LLC.
How Can A Credit Reporting Attorney Help When You Are Reported As Deceased On A Credit Report?
Once you reach out to one of our credit reporting lawyers, we can help to assess the extent of the damage and how to fix the situation. Typically, the first step in correcting the inaccurate deceased reporting is to dispute the inaccurate information with the credit reporting agency, such as Equifax, Experian, and Trans Union. Under Fair Credit Reporting, the credit reporting agency has an obligation to investigate your dispute and correct any information that it cannot verify. When a credit reporting agency reports inaccurate information, and when it fails to conduct a proper investigation, a credit reporting attorney can work to obtain damages for you based on the injuries you have suffered.
What Kinds of Damages Can A Credit Reporting Attorney Pursue When There Is An Inaccurate Deceased Notation On A Credit Report?
A credit reporting lawyer can pursue consumer reporting agencies for damages when they inaccurately report a consumer as deceased. These damages can include:
- “Actual” Damages. The FCRA allows you to recover your actual damages that relate to the inaccurate deceased notation. These damages can include, among other things, credit denials, lost credit opportunities, and reductions in your credit score.
- Emotional Distress. Common types of emotional distress because of an inaccurate deceased notation include:
- Stress about paying bills, the inability to afford basic necessities, and how to provide for your family
- Anxiety, lost sleep, and depression
- Lost appetite, headaches, and other physical issues
- Loss of interest in hobbies or other activities
- Frustration about a damaged reputation
- Lost Time. The time spent trying to fix the harm caused by an inaccurate employment credit report is compensable. People can lose many hours trying to repair the harm caused by an inaccurate credit report. This includes time drafting dispute letters, disputing over phone calls, and trying to contain the harm of the erroneous credit reports. This is time that could have been spent doing things you enjoy, and it is a recoverable type of damage in an FCRA lawsuit.
- Statutory Damages. The FCRA allows individuals to recover statutory damages ranging from $100 to $1,000.
- Punitive Damages. Punitive damages can be awarded to deter future bad conduct by a consumer reporting agency. The FCRA specifies that punitive damages are available when a defendant’s FCRA violation was willful.
Additionally, the FCRA provides for your attorneys’ fees to be paid by the consumer reporting agency if and when you are successful in your legal claims. For this reason, Weiner & Sand LLC typically represents background check clients on a contingency fee basis and does not charge any attorneys’ fees unless and until our client obtains a recovery. If you’ve been reported as deceased on your credit report, our experienced reported as deceased on credit report attorneys offer free case consultations and can be reached by phone or by filling out our convenient online form.