First off, thank you for taking the time to reply. Here is the part that has me confused: Transunion and Experian have all the student loans discharged and the furnishing information provider is the actual student loan company with their address. Why would the holder of the loans want to report them incorrectly as discharged in chapter 7 bankruptcy? When I filed it was before Bush made changes to give private loans the same protection as government loans. The trustee was made fully aware of the undue hardship. Anyhow, could someone please explain to me how the information furnisher who is the actual student loan company would report them as discharged if they were not?

The truth is that everything else on my reports has the information furnishers providing 100% exactly correct information to the penny each and every month year after year. Last thought, but I researched the information furnisher that is different from Equifax and that company bought out that office location in June of this year that was a branch of the original student loan company. Thank you again for your time and help.

Last point for now, but I did rock the boat with the other 2. More specifically, one major credit report, Transunion, had 50% as discharged and 50% as not discharged. In response, I rocked the boat/disputed them and the results came back as ALL discharged with the student loan company furnishing the information. So, I go to Experian next and all the loans are listed as active. In response, I rock the boat/dispute them and they ALL come back as discharged in Ch 7 zero balance etc with the address of the student loan compoany furnishing the information. I am assuming that there are many experts that help out on these boards and it is my hope that this post my shed some light on my issue.