Credit Card and Mortgage Company reporting lates after discharge and filing date

[chad9162]

I thought it was illegal for creditors to report late payments after you file bankruptcy. I filed in May and discharged in September. Yet I have late payments for May, June, July, September, and October.

Is this a violation of FCRA? Does anyone know the specific section where it says creditors can't report late payments after filing date?

Thanks

[relief13035]

I was discharged on 3/25/09 and have spent the last 6 months cleaning up my credit reports. You need to start disputing everything that is wrong. One by one each of the errors are being corrected.

Just last week a collection came up on my TransUnion report. Of course, it was a bill that was included in BK. I disputed it online and have already received an email from TransUnion stating that it has been deleted from my report.

You need to be very diligent and watch your report and get the errors corrected.

[chad9162]

I did all that. Disputed online and they said the information is correct etc...I'm going to send to letters but wanted to know specific violations..FCRA only?

Thanks

[Flamingo]

You will spend the next several years disputing your credit reports so get used to it. You will need to dispute the items involved directly to your creditors and enclose a copy of your creditor matrix and/or discharge papers if you have them. Late payments prior to your filing date will not be removed; anything after your filing date will be removed and indicated as the account being included in bankruptcy. You can get that all changed and six months down the road it may revert back to the old iformation. It can get frustrating but that is very common. Monitor closely during the next several years and do not dispute online; dispute via snail mail for better results.

[mike258]

Never, never, never dispute online. Always dispute via mail. By disputing online you are doing the CRA's work for them .

When you send in a letter, a person has to read the letter and enter a reason for a dispute in their system. They only have so much time to spend on each letter received, so sometimes they will just delete the whole trade line. I've has over 1/2 of my IIB accounts removed this way.

Also, never send the CRA anything like discharge papers or your creditor matrix. Is it not your responsibility to furnish any of that information to the CRA (although the will ask for it, just to make their job easier). Transunion uses PACER to verify bankruptcies, I'm not sure what the other two do.

If you dispute tradelines and they come back verified as accurate, then you need to send nasty letters directly to the original creditor.

[chad9162]

Thank you all. So is this a violation under FCRA? Incorrect reporting? How do you sue Creditos and reporting agencies?