1993 CH 7 BK still reporting ....

[goaded]

What is the name of your state? IN

I have an account on my CR that is reported as IIB ... this account shows a DOLA date of 2000 and a date opened of 1997.

This account was included in a BK but it was in 1993, so HOW are they still reporting it and why does it say last activity was in 2000? Are they liable for something here?

Thanks.

 

[Ladynred]

Yes, whoever is reporting that has illegally re-aged the account. Dispute it with the credit bureau as illegally re-aged and obsolete. If you have PROOF that the creditor was included in the 1993 bankruptcy, that will help your dispute.

 

[goaded]

I disputed it as obsolete with CSC - they replied "verified" - I then sent in a request for procedures and info about supplier of info - they replied telling me the account was listed as iib - well duh!

And yes, I have proof that the original creditor was included in BK. Im not sure but Id think they could get in trouble with the courts for reaging an account that was iib.

I guess I will send in another dispute though I am very worried about a third dispute on the same TL - I dont want them to mark me as fraudulent.

 

[Ladynred]

Then you need to change the way you're disputing it. Be VERY specific about the info that you are disputing, don't just say 'obsolete', dispute the date(s) that are being reported, clearly they are wrong.

Per the new FACT Act, you can now dispute DIRECTLY with the furnisher of the information. If you have records and other proof to PROVE that the debt has been re-aged, include it with your disputes and again, be very specific.

 

[goaded]

So maybe I should go after the furnisher of data with a dispute - thanks for the help Ill get a letter out to them tomorrow.