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  1. #1
    Join Date
    Feb 2006
    Location
    Alabama
    Posts
    1

    Default Creditor won't update credit report after discharge

    Hello all -I filed BK7 18 months ago in AL and was discharged in due time. My major creditor is still reporting a past due balance of 25K with no mention of the debt being included in BK. The 25K is hurting my efforts to rebuild my credit. I have disputed the account 3 times on all three bureaus, and it keeps coming back verified, despite the fact that it is blatently wrong. My BK attny won't return my calls and I ran this by another attny who wasn't sure what to do. Can I sue the creditor and/or the credit bureaus? I did try calling them, but they told me to dispute and, of course, when I did that nothing happened.

    Are they in violation of the FCRA? Contempt of Bankruptcy? Are there civil penalties, as for debt collectors who violate the FDCPA? I really want this account correct, but wouldn't object to collecting a little profit on their willful noncompliance as well. I want to write them a strong letter and get this mess fixed.

    Thanks for any insight.

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Problem with Creditor Post-Bankruptcy

    You should contact the creditor and ask them to correct the balance to $0. Have you done that yet?

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