Thanks for the reply. It should have been on my paperwork but I can't find it there. I had a lot of accounts and an attorney did the filing for me, so it took a while to realize the mistake. Actually, I think there is a BK procedure that would allow me to petition the BK judge to include it in my discharged Chapter 7 case filings even though some years have passed -- there's a question for an attorney if it gets that far.
Anyway, I naively disputed it online a year ago and it was verified because I didn't have paperwork showing that is was discharged. Now that I am better educated and more motivated, I am going to stay on this until it is clear.
The problem isn't that I see it on my records. My other BK accounts are there w/ zero balances and a note that they were included in a BK. My problem is that it shows a $16k balance, with a gazillion late payments and being way overlimit as if it were still an active debt. The balance has seriously inflated since going to collections, as well.
I guess my options are to simply dispute w/ the force of more paperwork -- including the discharge letter that states that all of my accounts were discharged and adding all of my filing paperwork (let the person on the other end sort through it and see if it is listed or not). Or I can try to make a PFD deal and hope that my discharge is leverage enough to make them accept a small sum of money. After that, good will and/or trying to add it to my BK case filings are the only other things I can think of....
