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    re reporting of debts

    I filed Chp 7 in Feb 2007. I was disch. in June of 07. Last month First Resolution placed a collection on my report from a Providian Bank c/o in 2004. I filed Chp 7 on this debt and it was discharged in my bk. Can they re report a collection The collection says placed Nov 2008.
    TIA

    #2
    You will need to dispute that item with the Credit Reporting Agency (do via regular mail and not online). Along with your dispute, send in a copy of your Discharge along with a copy of your creditor matrix showing the creditor. You will be asked for it anyway if you just send in a dispute.
    _________________________________________
    Filed 5 Year Chapter 13: April 2002
    Early Buy-Out: April 2006
    Discharge: August 2006

    "A credit card is a snake in your pocket"

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      #3
      Flamingo is right. But go one step further, if the CA does not remove the collection immediately from your CR, you have a violation of the FCRA and/or FDCPA. Which in your case you can get damages from the CA for $1000 per violation. You can take the CA to court yourself, pro se, or just threaten them with it and they will remove.
      Filed CH 7 9/30/2008
      Discharged Jan 5, 2009! Closed Jan 18, 2009

      I am not an attorney. None of my advice is legal advice in any way..

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