Having "deceased" on your credit report when you're very much alive is very distressing and confusing. It can have enormous negative impacts on your credit and financial opportunities. Here's a very brief summary of why this error might have happened and how to fix the problem:
Causes of "Deceased" Status on Credit Reports
Reporting Error: A creditor may report a consumer as deceased to the credit bureaus, usually due to clerical error or miscommunication.
Mixed or Merged Credit Files: Sometimes, credit files are mixed or merged wrongly, thus attaching the deceased status of another individual to your credit report.
Identity Theft: Sometimes, evil-minded people may use the social security numbers of deceased people, and this results in erroneous reporting.