reno
reno
Joined: Jan 20, 2010
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February 13th, 2014 at 12:06:43 PM permalink
A St. Louis woman is unable to refinance her mortgage or obtain a new credit card because the banks and the credit bureaus know that she's dead. Kimberly Haman says Heartland Bank assured her last April that it would fix the "mistake." But by the end of June, her mortgage application got turned down because her aliveness was still not reflected in her credit report.

“Dear Kimberly Haman,” wrote the bank. “We regret to inform you that we are unable to proceed with you loan as of today June 20, 2013. The reason for your denial is that your status from Equifax is reporting you as deceased.”

She then contacted Equifax about her predicament. Equifax won't budge. They know she's dead.

So she's suing Heartland Bank and Equifax for ruining her credit rating. The lawsuit alleges that Heartland and Equifax violated the Fair Credit Reporting Act by failing to properly look into the problem. The statute governs the accuracy of credit information circulated about consumers and establishes a process to investigate consumer disputes. Legal scholars are concerned that the tricky part of the lawsuit will be finding a medical expert to convince the court that she's not dead.

Heartland’s slogan, by the way, is “Real Life. Banking.”
onenickelmiracle
onenickelmiracle
Joined: Jan 26, 2012
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February 13th, 2014 at 12:12:29 PM permalink
I thought people need to contact the social security agency usually in these cases because it's usually from them the death statement comes from.
In the land of the blind, the man with one eye is the care taker. Hold my beer.
chickenman
chickenman
Joined: Nov 1, 2009
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February 13th, 2014 at 12:12:39 PM permalink
Quote: reno

Legal scholars are concerned that the tricky part of the lawsuit will be finding a medical expert to convince the court that she's not dead.



Ah, yes, isn't this the old "you can't prove a negative"?
treetopbuddy
treetopbuddy
Joined: Jan 12, 2013
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February 13th, 2014 at 1:32:40 PM permalink
It's all about the credit score……if Equifax says she's dead….she's dead.
Each day is better than the next
Perdition
Perdition
Joined: Sep 3, 2013
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February 13th, 2014 at 1:36:18 PM permalink
Meanwhile at the Eqifax offices:

RolexWatch
RolexWatch
Joined: Jan 20, 2014
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February 13th, 2014 at 1:40:33 PM permalink
all they have to do is stall her
Buzzard
Buzzard
Joined: Oct 28, 2012
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February 13th, 2014 at 2:00:13 PM permalink
As long as she has income and a good credit score, being a zombie should not be held against her. Talk about discrimination !
Shed not for her the bitter tear Nor give the heart to vain regret Tis but the casket that lies here, The gem that filled it Sparkles yet
Kickass
Kickass
Joined: Nov 12, 2013
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February 13th, 2014 at 2:09:09 PM permalink
Quote: Buzzard

As long as she has income and a good credit score, being a zombie should not be held against her. Talk about discrimination !



Totally agree, zombies should have the same rights as humans.
Leave Katie alone. Rasul: Or what? Or I come back and break your F** legs
Buzzard
Buzzard
Joined: Oct 28, 2012
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February 13th, 2014 at 2:12:03 PM permalink
And ditto-heads too, maybe.
Shed not for her the bitter tear Nor give the heart to vain regret Tis but the casket that lies here, The gem that filled it Sparkles yet
treetopbuddy
treetopbuddy
Joined: Jan 12, 2013
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February 13th, 2014 at 2:19:50 PM permalink
Quote: Buzzard

And ditto-heads too, maybe.



Mega dildos
Each day is better than the next

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