I understand that it is a violation of FCRA for a creditor to continue to report regularly a debt discharged through BK. I went over my report again and found just one - Target - that was discharged in 2006, still reporting monthly. Although it says 0 balance, and status is discharged through BK, and the date of status is 5/2006. However, under last reported, it says 9/2012.
Does this have any impact on my score? If it does, then I want to notify them that they are to cease and desist reporting this monthly. If not, then I won't bother.
Nope, just updated. Nothing changes. It doesn't matter when it's updated.