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I have an account that was included in a Bankruptcy Chapter 7 over a year ago, and it is reporting as a open collection account with no balance. I have disputed this account through Trans Union two times and have called to demand that they report it as closed, but I keep getting foreigners that speak broken english and they don't understand what the hell I'm saying!!! Plus they haven't fixed the problem.
I thought when an account was discharged in a chapter 7 BK that the creditor has to close the account and not update it every month? I read that the account cannot show as active if discharged? Can some one please give me some advice on how to handle this because I think it's killing my credit score? Can I sue the creditor?
RJM Acquisitions is the collection company reporting this!