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. 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 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.

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