We filed joint bankruptcy in Alberta in Sept 94 and were discharged June 25/95. Some of the creditors involved in the bankruptcy continue to report R9 status on debts that were included in the Bankruptcy. We have rebuilt our financial lives since the bankruptcy but this has been a continuous battle describing to lenders that these debts were included in a bankruptcy and in fact it would be illegal for us to repay them. Why can they continue to post this information? We purposefully have not had any financial dealing with the companies involved to ensure there is no confusion. We feel this is erroneous information on the bureau report but attempts to contact Equifax have been completely ignored by Equifax. Is there an official way to clean up this report?

One option is to contact the creditors who continue to report the wrong information and demand that they stop doing so as well as remove the information already reported. You may need to contact the Ombudsman, if there is one, for the financial institution. The only other alternative isto contact Equifax (1-800-465-7166) and Trans Union (1-800-801-3619) and ask them to correct your record.

Ann Clarke
phone: (403) 296-2972
aclarke@moneyhelp.ca