,,ii  #aad? ,,congress  #a/ ,session    
,s4 #aggc  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ae1 #bjae ,mr4  
,br[n 7= himself1 ,mr4 ,m]kley1 ,mr4    
,blum5?al1 ,mr4 ,durb91 & ,mr4 ,frank57 
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on !     
,judici>y  ,a ,,bill  ,to am5d title    
#aa1 ,unit$ ,/ates ,code1 to require    
cr$itors to in=m consum] report+ ag5cies
 t c]ta9 debts h be5 dis*>g$ 9          
bankruptcy cases4  #a4 ,%ort title  ,?is
 ,act may be cit$ z ! ,consum] ,report+ 
,fairness ,act ( #bjae4  #b4 ,dis*>ge ( 
debt 9 bankruptcy ,section #ebe ( title 
#aa1 ,unit$ ,/ates ,code1 is am5d$ by   
add+ at ! end ! foll[+3  7d7 ,if a      
cr$itor has provid$ or furni%$ to a     
consum] report+ ag5cy1 z def9$ 9 section
 #fjc ( ! ,fair ,cr$it ,report+ ,act    
7#ae ,u4,s4,c4 #afha;a71 any item (     
in=mation p]ta9+ to an acc\nt bas$ on a 
debt dis*>g$ 9 a case "u ?is title1 !   
cr$itor %all in=m ! consum] report+     
ag5cy t ! debt has be5 dis*>g$ 9        

bankruptcy & has a z]o balance4  7e7 ,an
 individual injur$ by any willful       
violation ( ?is section-- 7#a7 %all     
recov] actual damages1 includ+ co/s &   
attorneys' fees2 &  7#b7 9 appropriate  
circum/ances1 may recov] punitive       
damages4  7f7 ,no?+ 9 ?is section %all  
be con/ru$ to prohibit ! report+ (      
paym5ts on a mortgage loan1 :e!r or n ! 
debtor has reaffirm$ t loan4  4