Midland reporting Citi card inlcluded in BK7 from 2005?

[GoGoMF]

Hi - first, I am so glad to have found this board. My husband and I had what seemed like insurmountable credit challenges but after lurking for a while, I think we can tackle this and purchase a home in a year!

 

I have lots of questions but I want to first start with this. We filed Ch 7 in April 2005 and included a Citibank card that was mine, prior to us even meeting one another, for about $2500.00. It was so long ago I don't remember the specifics, but I know it was included. My most recent Experian shows Midland Funding as having purchased the account?!

 

Thus far, I have ordered EQ and EX and disputed addresses on both. EX deleted some, won't budge on others. I have a trade line that was closed by me, after being paid/never late, in 1998 but that is tied to one of the addresses so they won't delete it. The account is closed and super old and not sure why it's reporting but it's in good standing so I don't know if I should delete that in order to get that address off. That specific address is tied to my Bankruptcy... which is my next thing to deal with. So that's ONE issue I'm not sure how to handle. Do I delete the good standing account that was closed in 1998, then dispute the address again, then try to remove the BK?

 

Next - Midland Funding. I'm positive this account was included in our 2005 BK. Yet, this is what I'm seeing:

 

Date Opened: 02/2011

Reported Since: 05/2011

Date of Status: 05/2011

Last Reported: 07/2012

The original amount of this account was $2,724

Type: Debt Buyer Terms: 1 Months Monthly Payment: $0

Responsibility: Individual

Account History: Collection as of Jul 2012

Original Creditor: CIT BANK

Recent Balance: $3,862 as of 07/2012

 

Do I attempt to remove the bankruptcy first or go after this?

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[GoGoMF]

anyone?

[LKH]

I would send a letter directly to Midland advising them that they are in violation of federal BK laws for reporting an acct AFTER it was included and discharged in BK. I would also dispute it with the CRA's identifying anything that is wrong with they way they are reporting it.

[deemac]

I would send a letter directly to Midland advising them that they are in violation of federal BK laws for reporting an acct AFTER it was included and discharged in BK. I would also dispute it with the CRA's identifying anything that is wrong with they way they are reporting it.

 

+1 We had Portfolio Recovery pop up in January with an account we had IIBd in 2005. Send off a letter blasting them for violating federal law by attempting to collect a debt that was discharged years ago. ~Poof~ it was gone.

[GoGoMF]

Thank you! Any chance there's a copy of a letter like that somewhere. I'm still super new, and super nervous about doing/saying the wrong things.