Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Star Loans of Texas, Inc.
State: TX

Complaint narrative:
Star Loans Continued Inaccurate Reporting of Discharged Debt in Violation of Bankruptcy Law & FCRA Dear CFPB, I am submitting this escalated complaint regarding Star Loans, who continues to inaccurately report an account that was legally discharged in bankruptcy. Despite my prior CFPB complaint and notice, Star Loans has refused to correct its reporting and has instead worsened the derogatory reporting by updating the account as late as recently as XX/XX/year>. 

Details of Account : Creditor : Star Loans Type : Secured Loan Status Reported : Charge-off, Derogatory, and XXXX Days Late Recent Activity : Updated as Late post-discharge ( XX/XX/year> ) Bankruptcy Discharge Date : XX/XX/year> Case Number : XXXX Violations : 1. Bankruptcy Code ( 11 U.S.C. 524 ) : The discharge injunction prohibits creditors from attempting to collect or misrepresent a discharged debt. Updating the account as late post-discharge constitutes an attempt to collect by damaging my credit.

2. FCRA ( 15 U.S.C. 1681s-2 ( b ) ) : After receiving notice from both me and through my previous CFPB complaint, Star Loans had a duty to conduct a reasonable investigation and correct or delete the inaccurate reporting. Instead, they have willfully re-verified the false reporting.

3. Willful Misreporting : Updating the account derogatorily after notice is evidence of intentional noncompliance and continued harm.

Requested Resolution : Immediately correct this account to show {$0.00} balance, discharged in bankruptcy.

Permanently remove all post-discharge derogatory updates ( including XX/XX/year> reporting ). 
Investigate Star Loans for systematic violations of bankruptcy and consumer protection law. 

Attachments : Bankruptcy Discharge Order Schedule of Creditors including Star Loans Prior CFPB Complaint Reference/Number Updated Credit Report Screenshot showing XX/XX/year> derogatory update Conclusion I am filing this escalated complaint against Star Loans for knowingly and willfully continuing to report inaccurate information on my credit file after being notified that the account was discharged in bankruptcy. 

Despite my prior CFPB complaint and notice, Star Loans has : Continued to report the account as charge-off/derogatory Updated the account to show late payments as recently as XX/XX/year>, which occurred post-discharge Re-verified this false reporting in response to disputes, showing willful noncompliance Legal Basis for Damages 1. Bankruptcy Discharge Injunction ( 11 U.S.C. 524 ) : Post-discharge reporting a debt as late constitutes a prohibited collection action. Bankruptcy courts have awarded actual and punitive damages for such violations.

2. Fair Credit Reporting Act ( 15 U.S.C. 1681n & 1681o ) : Willful violations of the FCRA allow for statutory damages up to {$1000.00} per violation, actual damages, attorneys fees, and punitive damages. Each inaccurate reporting update can be considered a separate violation.

Star Loans refusal to comply after prior notice demonstrates willful disregard for the law. Their conduct not only violates the Bankruptcy Code but also the FCRA, and it continues to cause ongoing damage to my creditworthiness.

I respectfully request immediate enforcement action requiring Star Loans to correct the account and to investigate their repeated violations.

Company response to consumer: Closed with explanation