no you don't have to take it. I am awaiting discharge. Man, those trustee's are SLLLOOOWWW. However, you need to be a bulldog about this.
I have fought hard to get my stuff corrected. I finally gave up trying to work with Experian. They are awful. I went right to the creditor. I wrote letters to their headquarters, their CEO and to their credit reporting departments.
I filed complaints with the FTC and the Better Business Bureau.
I got results.
I also wrote GW letters to those creditors discharged and ask them to pleaaassseee remove their account. I have been somewhat successfull with that.
You need to get on a letter writing campaign. But go right to the creditor that is reporting wrong. You will have much better and quicker results.
In addition, although I never heard anything other than an email from the FTC within DAYS of filing my complaint, I got phone calls from all of the companies and lo and behold, account either deleted or reported correctly.
Be a Pitbull!!!!!!!!!!!!!!