Well, the debt was charged-off as a bad debt by the lender due to the bankruptcy. Whether they should report this or not, I don't know.... hopefully someone else with more knowledge will chime in.
Why not dispute it and see what happens?
I recently filed and I also have a few of those showing chargeoff+iib. I'm still waiting on my discharge papers before I attempt to dispute them since its possible they may get updated before then. Keep us in the loop if you do dispute, I'd like to know what happens!
I mailed out the dispute to Experian today. It will probably be 6 weeks or so before I hear anything.
Some more info: I was never late on payments for this auto loan. I filed BK in February 2016 at which point I quit making payments and surrendered the vehicle. Missed payments were assessed from February 2016 to May 2016 and a Charge-Off was reported in May 2016.
After some quick research online, it looks as if they CAN assess late payments after filing and up to discharge, and even issue a charge off. But the charge off must be replaced with IIB once discharge is issued. I think there is nothing i can do about the derogatory late payments. I guess i should have kept paying my car note after i surrendered it. smh
Fingers crossed and hoping for the best!