On XXXX XXXX of this year, I filed for Chapter XXXX Bankruptcy relief, and included a {$1500.00} debt from Texas XXXX University, which I incurred from dropping courses after the withdrawal date. This debt was appropriately included in my Chapter XXXX schedule F, and discharged by the presiding judge on XXXX the XXXX. Today, XXXX the XXXX, I received an alert via my credit monitoring service informing me that I now have a collection on my XXXX report from the Williams and Fudge agency for a {$1900.00} debt to Texas XXXX University. I was unable to attain auto financing due to this open collection with a high reported balance. My XXXX score dropped XXXX points once this collection account was added. I placed a phone call, left a voicemail, sent an email with attached copies of my Chapter XXXX petition, schedules, and discharge to Williams and Fudge. I also sent a dispute along with all of my BK documents XXXX. Now I have to wait a month or so for this inaccuracy to be investigated. This school debt comprised one of the largest balances of any of my debts, and was a significant factor in my decision to file for bankruptcy. My credit report has rightfully suffered from the bankruptcy filing. I should not be further penalized by having collections reported on debts that were discharged in the case. I advise anyone who files for bankruptcy to keep diligent records of every debt, payment history, and communication with your creditors. Receiving a bankruptcy discharge does not mean your case is over or that you wo n't be hit with attempts to collect your debt at a later date. Sadly, a collection agency can inflict serious damage upon your credit report overnight, while it will take you a month or more to dispute, verify, and defend your credit score when inaccuracies are reported.