I went bankruptcy and discharged in march of 2001. I was illiterate about checking my credit reports until I applied for a home loan. They found out there were alot of accounts not up to date with my discharge. Well I disputed on-line and everything was fixed but this company WFNNB/AMERICAN. They were still sending information to the credit agencies that it's still a valid debt. Well Experian and TransUnion fixed it without proof of anything, but Equafax kept saying the company has verified that the current status is being reported correctly. I sent equafax proof and again, WFNNB said it's a valid debt. Then I looked again at my earlier credit reports and noticed that they changed names during my bankruptcy process or after discharge. It use to be GEMB/AMERICAN. Now what do I do. I sent copy's of discharge papers to WFNNB and still waiting to hear from them. It's been like 45days. Just looking to see if anybody else had a similar problem or a solution to get this changed. Thanks.
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Yeah you have to understand, most of these creditors collection people are real scum of the earth people, genuine *******s. They could care less. I called one creditor who continued to pursue me after I filed. When I called to tell them, again, that I had filed and they were notified by the court, the lady told me I was lying to her and hung up the phone on me. I would continue contacting them until its resolved, which may take some persistence. There may be a way to report them as violating some laws, but I'm not familiar with that, maybe someone else here can post on how to do that.
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