Was this car given to the lender thru the bankruptcy or do you have this car? When was your discharge? What are they updating monthly?
It sounds like you disputed the accuracy of it? Was that done in March? Have they done an April update yet? It's not unusual that they update until discharge. Usually after discharge they stop updating it because there's nothing to update. I don't think it's hurting you at this point because of the "Closed" date. I had the same problem after my Ch 13 was discharged. My auto lender showed as discharged in bankruptcy, showed a balance still owed and lates after the Bk...even though it was paid off in the bankrupty. Mine is affecting my score and I think it's because the "Closed" date is incorrect. Is everything accurate on your reporting now as far as dates and balances?
I understand the updates up until April. I would give it 1 more month to see if they update again and the accuracy of it. I don't think there are any rules about them continuing to report after the account is closed but it's definitley something to research. RobertEG may chime in about the FCRA and whether it's an issue or not. I think as long as the closed date and payment history is correct it's probably allowed. The reason I can tell something is wrong with mine is due to the TU score. It indicates that my last late payment was 2 months ago (last update on my auto loan) but my Bk was discharged last year. Keep an eye on the reasoning for your scores and just make sure it doesn't give you some flukey reason like mine is.
I understand the frustration! It took with 3 disputes and talking to a supervisor at TU to get them to understand that it was impossible for me to be late after discharge when it was paid off in the bankruptcy. I'm still having issues and have now submitted a complaint to the BBB...waiting to hear. I would say if anything else happens with the next update, file a complaint with the BBB.
I would file a report with the CFPB and BBB on the same day. Double hit em, send in documentation they were included in the bankruptcy as well, and a clear statement requesting that they update your credit report in a timely manor. They might just delete it. I would also send a written dispute to each CB with proof they were included and requesting that they update as well. I had to do this with Merchants Acceptance, and I was able to get them to "correct" the issue, but since I also disputed it at the same time the credit reporting agencies actually just removed it all together.