If a credit report indicates inaccurately that a consumer is deceased, what will be the comprehensive steps and channels one can resort to quickly rectify this error, so that it would not affect the consumer financially and personally? Given the potential gravity of such an error, what procedures are in place on behalf of major credit reporting agencies to handle and correct inaccuracies dealing with vital status information within their systems? Can you explain the exact processes and mechanisms that consumers would follow in order to initiate a dispute and move towards rectifying the distressing scenario in which their credit report says consumer deceased?