I'm asking this question for a friend from work (yes, it's really for a friend, I haven't filed BK....yet). She filed Chap 13 and is paying as agreed in the court ordered settlement. However, some of her tradelines; Sears, Spiegel, and a Visa account are reporting her TL's (included in BK) as charged-off accounts with the original balances and not included in BK. Two questions on this, first is there reference in the FCRA and/or bankruptcy laws, that doesn't allow these companies to report the TL's this way and secondly isn't this incorrect information a valid and justified reason to dispute the TL's and have them removed from her credit reports? Information is appreciated along with the actual text of laws pertaining to this situation. Thanks in advance.
