An account shows discharged by bankruptcy, but was paid off two years ago.
I had an account with GEMB/Select Comfort to buy a new bed back in 2005. After paying it off (in 2006), I requested they close the account. In January of 2008, I declared bankruptcy (chapter 7). The creditor was NOT listed in the discharge order (as I had closed the account). Last month, I ordered a credit report, and GEMB/Select Comfort was listed, stating the account was discharged by the bankruptcy. I sent all three CRAs a dispute letter, as well as one to the creditor. They all simply wanted to display the account (two full years of false reporting) as "Closed by Credit Grantor". I have sent a second letter to GEMB/Select Comfort telling them that their solution is unacceptable, and that I want the account to show that it was closed in 2006 by the consumer.
Is this worth pursuing in court? I live near Abilene, TX...does anyone want to take the case on a contingency?
Thanks in advance.
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