Solving a non-existent 30-day late issue

[Anonymous]

Maybe some of you guys can help me. I tried, not sure what else to do on a 30-day late that appears on all 3 reports, yet is not true.

It's an unusual situation.  Chapter 7 bankruptcy discharged in the fall of 2013. A mortgage and a car was included in it. However, I continued to make the payments on time before, during and after the bankruptcy. In fact, I have never been late on any type of payment, and had a 800 credit score the day I filed for BK (due to large legal fees owed to attorneys for fees in a business litigation, resolved through bankruptcy).

So the credit reporting agencies see that the mortgage and car was included (my BK lawyer did not let them know I wanted to keep them), and show me as late. However, I have proof, which I sent to all three, that I was never late. I sent the proof in twice. They all came back saying the report would not change.

Suggestions? It is affecting my credit.

[RobertEG]

You have an adiministrative and a legal option.

You can file a formal complaint with the CFPB, who has administrative oversight of the FCRA, asserting an improper verification of your dispute.

If that is not resolved to your satisfaction, you can bring civl action to obtain court review.

[Anonymous]

Thanks, I didn't know these options were available. At 35% of a Fico score, a late payment has a strong effect.