Written By ESR News Blog Editor Thomas Ahearn
A St. Louis, Missouri woman has filed a lawsuit against the “big three” credit reporting agencies – Equifax, Experian, and TransUnion – for declaring her “deceased” in her credit files and making it impossible for her to receive credit or loans, according to a story from the St. Louis Post-Dispatch.
The Post-Dispatch reports that according to a lawsuit filed in U.S. District Court in St. Louis, in 2013 Alexandria Goree discovered a “deceased” notation on her credit files that normally appears when creditors inform credit reporting agencies that their customers have died.
The lawsuit claims Goree dealt with “numerous rejections from credit card companies and local businesses wary of extending credit to a dead woman,” The Post-Dispatch reports. After months of trying, she convinced Experian and TransUnion she was alive but is unsure about Equifax.
The lawsuit also claims her credit reports from Experian and TransUnion were “riddled with inaccuracies” such as incorrect names, addresses, and credit lines. Trans-Union and Experian representatives could not comment on pending litigation while Equifax needed more time for research, The Post-Dispatch reports.
The Fair and Accurate Credit Transactions Act (FACT Act) of 2003 allows consumers to obtain free copies of their credit report once a year from each of the “big three” credit reporting agencies. For more information on how to get a free credit report, visit http://www.annualcreditreport.com.
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