Direct Furnisher Dispute - Incorrect Post-Bankruptcy Reporting

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] DOB: [CLIENT DOB] | SSN (Last 4): [CLIENT SSN LAST4] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: DIRECT DISPUTE UNDER 12 CFR § 1022.43 & 11 U.S.C. § 524 - Account #[ACCOUNT ACCOUNT NUMBER MASKED] Discharged in Bankruptcy Dear Credit Reporting / Bankruptcy Department, I am submitting a Direct Dispute pursuant to 12 CFR § 1022.43, Section 623 of the Fair Credit Reporting Act (15 U.S.C. § 1681s-2), and 11 U.S.C. § 524. Your company is currently reporting inaccurate, derogatory information on my credit reports regarding Account #[ACCOUNT ACCOUNT NUMBER MASKED], despite this debt having been fully discharged in bankruptcy. BANKRUPTCY & ACCOUNT DETAILS: - Account Name: [ACCOUNT CREDITOR NAME] - Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] - Bankruptcy Court: [BANKRUPTCY COURT] - Case Number: [BANKRUPTCY CASE NUMBER] - Chapter: [BANKRUPTCY CHAPTER] - Discharge Date: [BANKRUPTCY DISCHARGE DATE] - Disputed Reporting: Currently reporting balance of [ACCOUNT BALANCE] and status [ACCOUNT STATUS REPORTED]. - Required Correction: Account status must be updated to "Included in Bankruptcy" with a $0 balance and $0 amount past due. Under the Federal Bankruptcy Code (11 U.S.C. § 524) and established FTC/CFPB guidelines, reporting a balance or past-due status on a discharged account is legally improper and constitutes an impermissible attempt to collect a discharged debt. Please immediately update your records and transmit corrections to all credit bureaus reporting this account. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]