SOC Credit Union does not listen to Judge Orders! Troy Michigan

It is not fraud to report a bankruptcy to the credit bureaus.

What are they doing or have done that the bankruptcy court specifically told them not to do?

If they are violating the court order, you may request the court to issue an enforcement order to get any FALSE reporting off of the credit reports and possible sanctions against them.

Many folks have a bankruptcy on their credit reports. Reporting a bankruptcy to the credit bureaus is in and by itself not fraud or illegal. Reporting FALSE information is a violation of the FCRA.

Back in 2005 my wife filed bankruptcy. My wife had business checking account with SOC Credit Union. The account had a line of credit that was under $5,000. My wife had added my name to the account in case of accidental death to avoid Probate Court.

When my wife's attorney asked the judge to be release from this loan; SOC told the Judge that my wife deliberatly max the credit line just before she filed bankruptcy. Then SOC asked the Judge to hold me (her husband) responsible for the loan. The Judge then decided to release my wife from that line of credit. He also told SOC that I was to be released from wife's loan. Since SOC alreadly had been finally false information about my credit to the Credit Bureau's; the Judge told SOC to stop bothering me and sending out any fraudulent reports.

SOC continues to allow false information go to the Credit Bureau's on a monthly and/or quarterly basis. I have asked them numerous times to remove all false information from my credit report.

SOC continues to report false information to Credit Bureau's, this is a violation of the FCRA.

are they reporting to the credit bureaus?

You say they violated the court and the FCRA but you are not telling us exactly what they are reporting. Are they reporting that you owe? Are they reporting that you are for example 120 days delinquent? Or, are they reporting an owed balance of $0.00 and that it was discharge through bankruptcy? (this last example is not fraud or a violation of the FCRA.

Side note about joint accounts: I recently got married and we opened a joint savings account. BOTH of us had to sign signature cards and, not surprisingly, BOTH of us also acknowledged that we read and understood the terms of service for the savings account. I find it hard to believe your wife was able to simply "add" your name to the account without the bank requiring you to sign some documents.

WHAT specifically are they reporting? What specifically does the credit report entry (I'm not asking for account number info) say?

If they are reporting that the debt was absolved via bankruptcy, that is not fraud or a violation of the FCRA.

You could send a certified letter, return receipt requested to the credit bureau which includes a copy of the court order and demand that the entry be corrected or removed.

Unfortunately, this is the risk one takes whenever you are on a joint bank account, checking account, or co-owner of a car, house, condo, etc. When a bankruptcy envolves anything you have an interest in, you get dragged into it as well as the person who initiated the bankruptcy action. It can become quite messy very quickly.