The United States Bankruptcy Court does not report any information to the credit bureaus, including Equifax, TransUnion, and Experian, and is not responsible for verifying the accuracy of information regarding bankruptcy cases held by credit bureaus. Bankruptcy filings are publicly available records. Information contained in bankruptcy records can be retrieved by anyone through the Public Access to Court Electronic Records (PACER) or physically in the clerk’s office.
The Fair Credit Reporting Act (15 U.S.C. § 1681) allows credit reporting agencies to report a bankruptcy case for up to ten (10) years. Any disputes with a credit report must be directed to the credit reporting agencies. Information on how to dispute data reported on a credit report may be found on the Federal Trade Commission’s website or by calling toll-free 1-877-FTC-HELP.
The three major credit bureau agencies are: