So about 2 weeks ago out of no where one of my accounts that was discharged in my bankruptcy changed. It now shows a balance that is past due. It’s a loan from a local bank. My credit score dropped 37-40 points throughout the 3 bureaus. I tried disputing it with the credit agencies online and it came back verified. It still shows a past due balance. The only thing changed was the account status that now says “charge off.” What should I do? Should I call the creditor (bank) and ask for account deletion since they are violating laws or should I send a letter? And to who, CRA or Creditor? Any advice would be appreciated.