Equifax Has Not Reported My Chapter 7 BK

[Humbled82]

Hi Forum

I had recently requested my credit report via mail (June 22, 2020) and Equifax has not reported my Chapter 7 BK. My BK was back discharged on September 2014 and there are 4 accounts on my report that I have enlisted in my BK (accounts listed below). I was wondering if I can dispute these accounts to be removed my CR? Currently I am in the process of purchasing my first home and I really need to clean my credit to qualify for a loan. 

ACCOUNT 1

Company: BOA

Loan Type: Installment (Auto Loan)

Status: Charged Off

- car has been repossed during the BK

ACCOUNT 2

Company: BOA

Loan Type: Revolving (credit card)

Status: nothing listed

- I will have to dispute this account because it is not mine. I have checked all my past accounts and BK files for verification, but there is nothing.

ACCOUNT 3

Company: BOA

Loan Type: Revolving (credit card)

Status: status code 4 (120 - 149 Days Past Due)

ACCOUNT 4

Company: Credit One Bank

Loan Type: Revolving (credit card)

Status: status code 3 (90 -119 Days Past Due)

Any assistance / guidance would my request would be greatly appreciated. 

Thank you in advance

[dragontears]

You can dispute anything you want but if the information is correct it will just be verified. It sounds like 3 of those accounts are reporting correctly? Or are they not including any IIB notation? If so, all the lender needs to do is update the account with the notation (which can drop your score).

[Humbled82]

Thank you for the reply back Dragontears.

The 3 accounts are not noting the IIB in the status. They are just showing level of severity for the past due days. 

[bigred1967]

I had to go through and get all mine updated and then the idiots having the documentation still attempted to put part of them as a chapter 13