Bankruptcy Questions Answered

Credit Report & Bankruptcy

Hello,

I have some questions about what i recently found on my credit report.

Background:

I had very good credit in 2003 but a debt load that was too large to carry after discussing with a credit councellor it was determined that my only real option was to declare bankruptcy.

I went in to bankruptcy on November 26, 2003 and was discharged on September 12, 2004.

When I was discharged I sent copies of the discharge papers to both EQUIFAX and TransUnion requesting that the update their files. I received notice form both that this occurred.

My credit report seems to have a TON of irregularities the most concerning being that many of the creditors from my bankruptcy have reported late payments between December 2003 and August 2004 - the period of my bankruptcy.

Questions
1) How can a creditor from my bankruptcy report late payments when I was unable legally to make payments as a result of the bankruptcy.

2) One creditor reports `activity` on the card in July of 2004 - How do I prove this is not true? I have provided all the bankruptcy papers and EQUIFAX refuses to update this information.

3) I mailed a registered letter Monday April 21 and received a response April 30th - It seems to me that they sent a form letter out and did not even look at the report. What can I do.

4) Finally - where to I go for help with this and where to I find out my legal rights with regards to credit reports and credit reporting?

Thank you in Advance for your assistance

Cheeers,
KL

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