Product: Debt collection

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX. ( Previously, disputed five time with all CRA 's ) MONEYLION INC Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. 
**This account continues to report post petition adverse notations. 
This account is reporting as an incorrect Charge Off status and should be reporting as a Wage Earner Plan with a {$0.00} ( zero ) balance owed. 
XXXX and XXXX have validated this Wage Earner Plan per XXXX XXXX  filed on XX/XX/XXXX and confirmed on XX/XX/XXXX. 

An order of confirmation defines the rights of the debtor and interested parties to payment post-confirmation. The provisions of a confirmed plan bind the debtor and each creditor to its terms and the creditor is not entitled to collect or enforce its claims except as provided by the plan and the confirmation order. A violation of the confirmation order is an act of contempt and may be remedied by court authority. Money Lion has violated the confirmation order by furnishing to the credit reporting agencies ( XXXX, XXXX, and XXXX ) incorrect charge offs based on a prepetition balance that is different from what the court has confirmed. The creditor is bound by the new provisions of the confirmed plan and if the creditor is going to report at all, the creditor should report the pendency of the bankruptcy or the history of the payments under the plan. 

Under 1327 of the Bankruptcy Code, the provisions of a confirmed plan bind the debtor and each creditor, whether or not the claim of such creditor is provided for by the plan, and whether or not such creditor has objected to, has accepted, or has rejected the plan. With respect to the adverse credit reporting, Money Lion had an opportunity to raise an objection prior to the courts confirmation but failed to do so by filing a proof of claim validating the debt in question. Any act to collect, assess, or recover a claim against the debtor after confirmation would be in violation of the automatic stay. 

To reconcile, I contacted Money Lion on XX/XX/XXXX, to correct the issue and was told the company was unaware of a bankruptcy filed on the account. The Debtor should not have to tell a creditor whose claim has been reduced or payment stream altered that a bankruptcy has been filed or explain how credit reporting works when a consumer files one. I provided the agent with the case number, trustee Information, and was told the issue would be escalated. On XX/XX/XXXX, Money Lion attempted to collect the debt via email, as they have done every month since filing, with no oversight or reconciliation in sight. This is a violation of the automatic stay. 

On XX/XX/XXXX, I called Money Lion again to inquire about any changes made to reporting and was told I needed to email my information. At this point, I realized something was clearly wrong and needed help. On XX/XX/XXXX, Money Lion attempted to collect the debt again, via email. 

It should be noted that none of the other creditors affected by the bankruptcy are reporting past due balances based on terms of their original loan. Either the creditors are not reporting at all, are reporting the accounts as closed, or reporting the accounts as " OK ''. The only creditor which has failed to alter its reporting to reflect the Debtor 's bankruptcy is Money Lion. 

The following is quoted from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for MoneyLion , Inc. XXXX  has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using one of MoneyLion 's financial products. Other customers claim the confusion and technical issues with their MoneyLion accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXX, XXXX is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

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