Under the Fair Credit Reporting Act (FCRA), credit bureaus must report accurate information. If your bankruptcy was discharged, but it’s still impacting your credit report, you may be eligible for compensation.
Things Credit Bureaus CANNOT Do:
Keep reporting discharged debt
Fail to update or remove old public records
Ignore formal disputes
Delay correcting errors
Incorrect Bankruptcy Data Showing Up on Your Credit Report?
Debt Collectors Break the Law When They…
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We’ll fight to remove errors—and you may be entitled to $1,000+ in damages!
Under the FCRA, your rights are violated if:
Under the FCRA, your rights are violated if:
Your credit report still shows debts that were discharged in bankruptcy
Creditors continue updating discharged accounts as "active" or "past due"
The bankruptcy shows on the wrong accounts
Disputes to the bureaus go unresolved or ignored
Public record data is inaccurate or outdated
If you’ve seen any of these errors, you could have a case worth $1,000 or more !
Things Credit Bureaus and Furnishers
CANNOT DO
Keep reporting debts that were cleared in bankruptcy
List your bankruptcy on accounts it doesn’t apply to
Report your bankruptcy more than once
Fail to investigate disputes within 30 days
Share inaccurate bankruptcy info with lenders or employers
These practices are illegal under federal law.
Know Your Rights Under the Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act ensures accurate, fair, and private reporting of your financial data.
Here’s How It Protects You:
Credit bureaus must correct or delete errors in your credit report
They must investigate disputes within 30 days
Furnishers (like banks) must update or remove incorrect information
They must stop reporting outdated or inaccurate bankruptcy data
Examples of Violating Companies:
Big names like Equifax, TransUnion, Experian, and even banks and debt buyers can be held accountable.
At Freedom from Debt, LLC, we are passionate about empowering individuals and businesses by offering expert legal guidance and unwavering support. Our dedicated team of skilled attorneys specializes in consumer protection laws, with a primary focus on the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
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