Legal Question in Bankruptcy in Wisconsin

No, creditors have an obligation to be accurate in credit reporting, and you have a right to sue them for defamation if they lie about you in a public report of this nature. As a practical matter, however, you must ask yourself whether it will be worth such a fight, as opposed to simply posting a consumer statement in this credit report indicating what they told you (without mentioning your bankruptcy). Contrary to the belief of many, the filing of bankruptcy has little effect upon contractual rights unless the sales contract is also breached, and most contractual clauses stating otherwise are void under federal law for consumer matters. The fact that you filed ch 7 bankruptcy can be mentioned on credit reports for up to ten years, although the late payments should fall off the report after 7 years under the FCPA.

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