Results 1 to 2 of 2
  1. #1
    Join Date
    Feb 2006

    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
    Behind a Desk

    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?

    1. Sponsored Links

Similar Threads

  1. Pleadings: Court Summons from a Collection Agency but Original Creditor Not on Credit Report
    By bulldoggirlmsu in forum Civil Procedure
    Replies: 1
    Last Post: 03-18-2011, 09:51 AM
  2. Chapter 7: Credit Report Entries After a Chapter 7 Discharge
    By lakeside_cruise in forum Bankruptcy Law
    Replies: 2
    Last Post: 08-13-2008, 11:53 AM
  3. Chapter 7: Contact From A Creditor After Discharge
    By Ernie P. Ulomer III in forum Bankruptcy Law
    Replies: 3
    Last Post: 12-06-2007, 09:54 AM
  4. Debt Collectors: Creditor Won't Fix Credit Report Error Unless I Pay A Debt I Don't Owe
    By edrrt in forum Debts and Collections
    Replies: 2
    Last Post: 06-10-2007, 05:56 AM
  5. Credit Reports: No creditor, address, or number listed on Credit Report
    By proulx in forum Personal Finance And Investment Law
    Replies: 4
    Last Post: 01-08-2007, 04:47 PM
Sponsored Links

Legal Help, Information and Resources