Ok - I think this is pretty self explanatory - 2 years ago I filed BK7, this debt was included and discharged, and I've gotten nowhere in my disputes. I need to get this mess settled once and for all. I'm simultaneously taking on the CRAs with the letters posted in this forum. To Whom it May Concern : You are in violation of the Fair Credit Reporting Act and in contempt of the Federal Bankruptcy Court in _____ Suntrust Bank was named as a creditor in my Chapter 7 petition filed in Federal Bankruptcy Court for the above-referenced account, and my debt was duly discharged. Accordingly, I now owe Suntrust nothing, and yet your bank continues to report my account as being over $24,000 past due. I have disputed this entry with Equifax, Experian and Transunion on October 28, 2004, September 25, 2005 and again on May 20th 2006. In each instance â?? a total of 9 times â?? the account information has been verified by Suntrust and the credit reporting agencies. As a result of your repeated and flagrant refusal to provide correct information to the credit reporting agencies my credit score has been negatively affected and I have been denied credit on several occasions. The amount of outstanding bad debt is consistently cited as a determining factor, despite the fact that I no longer have outstanding balances. To settle this matter out of court, you must delete all information regarding your tradeline from all three of the credit reporting agencies within 10 days of receipt of this letter. In addition, I am demanding the sum of $19,000 in damages - $1,000 for each of the 9 times Suntrust violated the FCRA, and an additional $10,000 for Contempt of Discharge Order. You must meet these terms within 10 days of receipt of this letter, or I will turn the matter over to my attorney for further action.
