ORANGE COUNTY, Fla. – A longtime businessman and retired regulation enforcement officer mentioned he was not too long ago denied a automobile mortgage after a bank card firm mistakenly reported him as deceased to a nationwide credit score company.
“They mentioned I used to be useless,” Basil Gordon mentioned. “Thank God, I’m nonetheless right here.”
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A letter from the bank card firm arrived at Gordon’s dwelling in June, addressed to his property.
“Please settle for our condolences for the lack of Basil E. Gordon,” the letter acknowledged. “We’re right here that will help you throughout this troublesome time.”
Gordon mentioned he didn’t instantly reply to the letter however later known as the bank card firm, Capital One Companies, to pay his month-to-month invoice.
“They advised me I couldn’t pay my payments as a result of I’m deceased,” Gordon mentioned. “I spoke to a different gentleman who apologized to me [and said] they don’t understand how this occurred.”
After convincing the bank card firm he had not died, Gordon assumed the matter was cleared up.
However when Gordon later tried to buy a dump truck for one among his enterprise ventures, he mentioned the financing firm declined to present him a mortgage.
“[The truck dealer] mentioned, ‘Properly, I ran your credit score’ and it’s within the credit score bureau [report] that I’m deceased,” Gordon mentioned.
Certainly one of Gordon’s credit score studies generated in September signifies “shopper is deceased” on 4 of Gordon’s accounts with Capital One.
“We’re sorry for the inconveniences Mr. Gordon skilled,” a Capital One spokesperson mentioned. “We at all times encourage prospects to succeed in out to us immediately in order that we are able to examine any uncommon account exercise.”
Capital One and different monetary specialists encourage prospects to usually monitor their credit score.
If a shopper is mistakenly reported as deceased, the nation’s three credit score bureaus – Equifax, Experian and TransUnion — have procedures to right faulty data.
“By regulation, credit score bureaus and the lenders and collectors that report data to them are each accountable for correcting inaccurate or incomplete data on a customers’ credit score report,” Angeles Quinones, an Equifax spokesperson mentioned. “Lenders and collectors reporting inaccurate or incomplete data are accountable for updating it with every bureau they report back to. If the data on the credit score report is discovered to be inaccurate or incomplete, the credit score report will probably be up to date, typically inside about 30 days.”
Gordon, who celebrated his eightieth birthday this summer season, mentioned he’s working with an lawyer to right his credit score report.
“I’m not useless,” Gordon mentioned. “My plan is to stay to be 104.”
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