I'm asking this in this forum because you all are familiar with bk reporting. I tried asking over in the general forum a while ago, but no one knew too much about bk.
It seems to me that this is an fcra violation, but want some opinions.
BK chap 7 filed in 05, discharged in 01/06. Had a car repoed prior to bk, included debt in bk.
The creditor reports as a chargeoff, with 0 balance. It's the status I am concerned with, since it should be showing as IIB. (by the way, that status makes a 28 point difference in my fico, so it's rather important)
EX and TU filed dispute, and they fixed it to IIB. EQ, filed dispute, they fixed it, then creditor went back and verified it, changed it back to a chargeoff rather than IIB. Yes, I sent EQ a copy of the discharge, and schedules showing the creditor as IIB.
So, I've been sending the creditor letters for about 3 months, starting out nicely explaining to them that this debt should be reported as IIB. I've graduated to not so nicely, pointing out that the FCRA requires accurate reporting.
Now, it seems to me, that them knowingly reporting an IIB account as a chargeoff is an FCRA violation, especially since I've pointed it out to them multiple times. They never respond to my letters.
Now, I clearly see 1 violation when they changed the status on EQ back to IIB. The question here, is could this be considered multiple violations, since they obviously knew it was incorrect from my first letter? Or would this just be 1 violation, for actively re-changing the IIB status on EQ back to being a chargeoff?
Or, more importantly, is this not even an FCRA violation?
Obviously the court sent them the filing papers, then the meeting of creditors letter, then the discharge letter, so they can't exactly claim that they didn't know.
