A new federal case filed January 27, 2026, in Dallas is putting a spotlight on how mortgage servicers and credit bureaus report loans after a Chapter 13 bankruptcy – and what happens when that reporting goes wrong.
The case, brought by Mississippi resident Melisha Triplett in the US District Court for the Northern District of Texas, Dallas Division, names Equifax Information Services LLC, Experian Information Solutions, Inc., Trans Union LLC, and Nationstar Mortgage LLC, which does business as Mr. Cooper. Triplett alleges that the three national bureaus and Nationstar mishandled how her mortgage and auto loan were reported during and after her Chapter 13 bankruptcy in ways that violated the Fair Credit Reporting Act and Metro 2 guidelines.
According to the filing, Triplett took out a mortgage loan for her primary residence in or around May 2017. She later obtained a secured auto loan in or around December 2019. She filed for Chapter 13 protection on or around October 24, 2019. The case states that her mortgage was later sold to, transferred to, purchased by, or otherwise acquired by Nationstar and assigned a new loan number…