I filed Chapter XXXX bankruptcy in XXXX XXXX and was granted a full discharge. In XXXX of XXXX, I applied for a consumer loan with my credit union and was denied. My credit report showed XXXX serious delinquencies that were filed in XXXX and XXXX by the utilities companies whose bills were included in my discharge in XXXX. XXXX correctly shows these as discharged in bankruptcy. Transunion is incorrect and shows them as serious delinquencies. I do not know how it is reported on XXXX because I was a victim of the XXXX data breach, so I froze my credit reports. I could not obtain a PIN from XXXX to lift the freeze so I can not see that report. However it should not matter ; in this case, I was denied credit because these XXXX creditors re-filed ( through collections agencies ) against me debts that were discharged in Federal court.