What if my Credit Report is still showing debts included in my bankruptcy after I receive my Discharge?

Written by: leonora  |  Published on: January 23rd, 2012  |  Category: Bankruptcy, Credit reporting

After you filed bankruptcy, you want to restore your credit as soon as possible. The best way is to make sure that all the debts included in your bankruptcy are reflected as such on your Credit Report. I always tell my clients to review their Credit Report within 3-6 months after they receive their Discharge and to contact me if there are any errors.
You can and should review your Credit Report after you receive your bankruptcy Discharge. If you see any errors, you can contact the Credit Reporting Agencies to remedy the problem.
You are welcome to use this letter to dispute the debts on your Credit Report after you receive your bankruptcy Discharge.


PO Box 9556
Allen, TX 75013

Equifax Information Services
P O BOX 740241
Atlanta, GA 30374

PO Box 2000
Chester, PA 19022-2000

Re: John Johnson (Social Security # ); Bankruptcy Case No: xx-xxxxx, filed in the Central District of
California on xx/xx/xx (date case was filed).

To whom it may concern:

This letter is regarding erroneous entries in my credit report. I filed for Chapter 7 bankruptcy on ____________ (date case was filed) and all my debts were Discharged on ___________(date Discharge issued).
[If you have specific debts that are a problem, you can specify by saying:
1. Chase Bank, account xxxx, balance $xxxxx
2. Bank of America, account xxxx, balance $xxxxx]”

Your continued erroneous reporting of these debts as late or still owing, despite my bankruptcy filing, is a violation of the Discharge Order. Please immediately take steps to make the report accurate, as it is affecting my ability to obtain loans that I need. If this is not corrected, I will be forced to take actions against your organization.
Immediately remove the erroneous entries described above and make the necessary corrections as these errors are causing actual damages to my present and future attempts to qualify for a loan and are causing immediate stress to me. Please note that a failure to exercise reasonable diligence in reinvestigation is considered a violation under Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681 and may result in a damage award for my client. See also Dennis v. BEH, LLC, 485 F. 3d 443 (C.A.9 (Cal.).


John Johnson

Enclosures (Include copy of the Discharge document you received from my office and the Court.

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