Need some guidance…creditor started inaccurately reporting discharged info

[Bobby1081]

Hi All, 

For the last 6 months, I have been disputing with Nissan a car lease that's discharged in my 2018 Chapter 7 BK. I noticed an error on the amount of late payments and disputed it. In turn, they now show the account on my credit report as active (open) account, repossessed and 60 days late with a monthly payment of $75 on my credit report. I disputed 4 times to have this corrected and they told me the debt would not go away and they can report it the way they are when I called them. My bk attorney doesn't seem very helpful. Has anyone else went through this with a possible resolution? 

Thanks in advance for any insight! 

[TRC_WA]

You poked the bear with the dispute.  If it was reporting corrected as discharged why would you care about the amount of late payments?  The damage to your credit was already done.

I've seen this before and I was stuck waiting for it to fall off my report.

[Horseshoez]

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@TRC_WA wrote:

You poked the bear with the dispute.  If it was reporting corrected as discharged why would you care about the amount of late payments?  The damage to your credit was already done.

I've seen this before and I was stuck waiting for it to fall off my report.

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Agreed, I had a car loan show up on my reports which was my wife's car, we separated in 2013, she filed a Chapter 7 in 2014, and I filed a Chapter 13 in 2015, and her loan somehow landed on my reports; after my discharge the loan showed up on my credit reports (never checked them before the discharge, so the loan may have been there all along) as IIB with "late payments" starting the month I filed.

Good news, bad news scenario, after my Chapter 13 fell off my reports the car loan suddenly switched to Closed/Never Late, and then a few months after that it fell off my reports as well and my scores dropped a few points as a result.

[Bobby1081]

Thanks for the replies. I contacted my attorney and they had a person they could email to assist. Last night, my credit report was updated correctly and my credit score went up 60 points.