I have a creditor who was included in my BK in 2004. BK7, discharged. This OC continues to report a $25K past due amount, no mention of BK. It is a large bank, not a small company, so they know better. I have disputed 3 times with each CRA since the discharge, and the bad info remains - three disputes x three CRAS =9 times the OC should have corrected the info, 9 times the CRAs should have followed due process to comply with FCRA. I have been denied credit, but don't know whether it was this or the BK itself. I haven't had time to really do anything but now I'm ready and fired up. 1) should I sue OC and CRA under FCRA or contempt of BK? 2) Are there fines associated with their actions - in FDCPA I know there are $1000 fines for violations, etc. How do I get moving on this? Thanks all Poochie
Only through the CRA in the disputes. thing is, they are violating several rules, so I don't want to tip them off. I want to accomplish something here - preferably complete deletion and/or financial restitution.
