Credit Union reported me late AFTER filing

[RickInMich]

I got an updated report today from TrueCredit, and I see our credit union listed us as being 30 days late on a credit card. We filed, though, back on 11/29. Is that something we'll have to have removed from our credit report? Or are they able to list us as late at this point?

[rrockinggramma]

it is a violation and you need to dispute it. If your dispute comes back as verified, then you will have to rrr the credit union with a stern letter citing the parts of the FCRA that point out they are in violation of the FCRA and the bankruptcy auto stay. I am currently disputing a credit union also in michigan for reporting me as 120 days late in 2003 when the debt was discharged in 2001. I am planning to sue if they don't fix it. Credit Unions are the worst.

[erinmi]

Will you share what credit union you both are dealing with? PM me if you have to! I'm in MI and know there are tons of credit unions but I've heard a couple of rumors that the one we have accounts with is not fun to deal with before/after a BK. We already switched our checking account to another account at a different bank where we have had a checking account for a long time for miscellaneous stuff and no debt owed to them.

Just want to know if I need to be on the lookout

[RickInMich]

Ours has the acronym CFCU, if that helps you at all.

[rrockinggramma]

I sent you a PM. Ours is Am 1 CU. jackson.

[songbird81]

I'm in the same boat. About a week to go until discharge, but currently the credit union has our auto loan reporting 90 days late and our CC as a chargeoff (both were 30 days late at time of filing).