On my report from XXXX there is a listing from U.S. Bank my bankruptcy filed on XXXX/XXXX/2012 included this account. Fair Credit Reporting Act makes clear that a debt discharged in bankruptcy must be listed as having a 0 balance. FTC OSC section 607, item 6 states : " A consumer report may include an account that was discharged in bankruptcy, as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged debt and there should be no additional reporting after the bankruptcy filing date. 
