On TU and EQ my paid off car loan shows paid/$0 balance. I still owed on this car when we filed BK and didn't include it. I continued to pay and paid it off. I have the title. I had sent a letter to all three agencies telling them it was paid off and to change from "included in BK" to paid/never late. TU and EQ shows "paid/never late." Nothing about a BK. Well EX still shows, and verified apparently, that it was "included in BK." I figured I would go through BofA first to see how they are reporting this loan to EX. I contacted BofA (who the loan was through) and they sent me an email to call their BK department about it. Now I'm afraid, for some reason, they will re-report this loan to all three and put the BK back on the other two (TU/EX).
I think when you call them (if you do), that I would mention that this was NOT included in BK, and that they are knowingly reporting false information in violation of the FCRA. If they continue to report, sue them for violation. This account was NOT IIB and shouldn't reflect that it was.
Now I'm confused. I called and she said that this debt was "not reaffirmed" and it was discharged through BK although we continued to pay on it. Although they do show it as "paid. $0 balance" she says they are reporting it correctly. We did NOT include either of our vehicles in BK as we wanted to keep them. We may have listed them but not included them. This was over two years ago. HELP.
Well, I would tell them that you then want a refund of all payments made and interest thereon. Sears screwed folks via a reaffirmation agreement and was forced to pay back millions. How do you think a Trustee would think about this.
