Reporting as a CO when it was IIB

[madmann26]

So, I've been combing through my reports to ensuring things are look right, looking good and I come across an item on EXP that is reporting as a CO, when it was IIB and EQ/TU are reporting it as IIB. I did dispute it but I guess I'm wondering if I should have?

I guess what mifs me is that it only started reporting as a CO in 2021.

[FireMedic1]

Its an accounting thing. Wage earner is the same as IIB with a 13. Other Derog probably is the IIB. Still doesnt rank over the BK.

[TRC_WA]

EX doesn't look right.  None of mine look like that.

[madmann26]

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@TRC_WA wrote:

EX doesn't look right.  None of mine look like that.

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Yea, it should be IIB and no payment history like everything else.

It's odd that it started in 2021, when my OG file year is 2017.

Probably a moot point anyway. The account comes off in 2/2024.

[FireMedic1]

You can dispute the balance. Should be $0 due to BK. Send in your filing papers and a copy of what you posted with a letter to remove the balance. Send it certified. Didnt notice the balance reporting. Thats against BK laws.

[jdmc1973]

I have a similar issue for one of my accounts IIB CH13 but on Equifax.  I filed 03/2017, discharged 1/2019, and yet TD Bank/Target reports date of major delinquency reported as 02/2022, making it look like I had a recent negative.  I just disputed it so we'll see how it turns out. Should be coming off in less than a year anyway but that bugged me enough to dispute it now.