Reporting Date Question

[Anonymous]

I just noticed that an account that was included in my BK (8/03) shows that I have $0 Balance, $0 Past Due and $0 Credit Limit.  But it shows being last reported in May 2008.  The next listing says that I have a $1732 Balance, $0 Past Due and a "Charge Off of $1500.  What is going on here?  This is a small town bank and I think they may be breaking the rules. 

Any help you can provide would be great.  I tried to cut and paste it here.....

                                         Balance              Past Due               Cr. Limit                       

THE PEOPLES
STATE BA
Show Details 502598XXXX  07/2003  $0  05/2008  $0  n/a $0 

THE PEOPLES
STATE BA
Show Details 4121634880
06XXXX 11/1999  $1,732  07/2003  $0  CHARGE-OFF $1,500 

[granny031350]

 just noticed that an account that was included in my BK (8/03) shows that I have $0 Balance, $0 Past Due and $0 Credit Limit.  But it shows being last reported in May 2008.  The next listing says that I have a $1732 Balance, $0 Past Due and a "Charge Off of $1500.  What is going on here?  This is a small town bank and I think they may be breaking the rules. 

Any help you can provide would be great.  I tried to cut and paste it here.....

                                         Balance              Past Due               Cr. Limit                       

THE PEOPLES
STATE BA
Show Details 502598XXXX  07/2003  $0  05/2008  $0  n/a $0 

THE PEOPLES
STATE BA
Show Details 4121634880
06XXXX 11/1999  $1,732  07/2003  $0  CHARGE-OFF $1,500 

did you dispute the first entry?  the "last reported" date is simply the last time the account was "reviewed"  usually because of a dispute etc.  However, it is reporting collectly and the important date is the date of first delinquency, which would be the fall off date.

On the second one,  it should state IIB.  However, if the account was charged off prior to the BK filing, then the charge off notation is correct.  So if this account was included in your BK but was sold off to a CA prior to your filing, then the the bank is reporting it correctly because they did charge it off prior to the BK.