Kate Magiver

A woman in St. Louis received a notification of “deceased” from credit reporting agencies. Alexandria Goree, 40, has had to spend months in a bid to convince the agencies that she is alive.

Goree has decided to sue Equifax, TransUnion, Experian for the erroneous notation. Goree allegedly faced great difficulty trying to secure a loan for purchasing a new house after her two-year-old grandson died right in front of her house.

Understanding the circumstances, her landlord acceded to her request for breaking the lease. While searching for a new house, Goree had to face repeated rejections on her rental applications since she was technically deceased.

Goree's credit files received the notation “deceased” back in 2009. She filed her lawsuit in federal court last week.

Goree received several rejections from local businesses and credit card companies on the grounds that she was no longer alive. Goree says that for anything requiring monthly payments, she had no choice but to pay in cash.

The “deceased” notation typically appears when a creditor notifies the reporting agency about a customer's death. Goree says that it is difficult to verbalize exactly how she felt at first when the notation appeared. She said, “It was just emotional.”

Goree had to spend almost eight months making phone calls to the best credit repair companies, sending emails and letters, in an effort to convince TransUnion and Experian to restore her to life. However, it is not known whether Equifax has followed suit.

Goree's attorney, Austin Moore, said, “We haven’t confirmed that one way or another.” Moore also said that the agencies most likely confused her identity with someone else's.

While this particular issue of Goree might have gained a resolution, her troubles have certainly not ceased. Her revived credit files from TransUnion and Experian are full of inaccuracies. They feature incorrect addresses, names and unknown credit lines.

Experian and TransUnion representatives said that they were not in a position to comment on any pending litigation.

Credit.com's personal finance expert, Gerri Detweiler, commented on Goree's predicament. He said that what happened with her isn't very common and yet it isn't that very rare either.