Bank not reporting correctly?

I filed bankruptcy 5 years ago. I had a home equity lined discharged under the bankruptcy. I recently found out that the bank that had the equity line is showing it as if it was not discharged. They are showing a balance and that the payments are behind. How do I get them to report it correctly? I was unclear about this on my last question. thank you

Answers:
Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.
I have dealt with several bankruptcies. If the court ordered your bank to show that the debt has been satisfied based on court rullings that they must participate in, your lawyer should be able to get another court order. If they do not comply they are liable for prosection by the court. This is not a civil matter, it is a federal one.

If you have no evidence that the court ordered them to discharge (take a lesser amount to satisfy the loan) some one screwed up during the bankruptcy procedures.

All you can do then is to negotiate with the bank because you can not file for bankruptcy again for seven years.

Dah dude
You should take your discharge papers and ask to speak with someone about your loan. Tell them that they are not reporting your loan correctly and you need them to fix it.

Keep in mind if you kept your house the debt cannot be discharged...you still owe the money and they can report it as an active debt that is in acreages. This is even if you did not reaffirm on the equity loan and only reaffirmed on the primary mortgage.
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Thanks,
Management.

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