Shouldn't this be showing IIB on my CR?

[Siopao]

Hello everyone.  I was looking at my CR report today and noticed something strange.  This creditor was included on my bankruptcy, but it's not showing IIB on my CR.  This is what it looks like.  It's showing a zero balance, but there is still an amount in the "Largest past balance" and also showing the status as bad debit/collection.  It's also showing all my lates.  

All of the other creditors that were IIB do not report any of these, they just have a zero balance and say IIB.  Should I try to dispute this???

Status as ofDate opened [?]Date of last activity [?]Largest past balance [?]Account Type [?]Account holder [?]Scheduled Payment Amount [?]Industry

Sep, 2011

Jan, 2008

Sep, 2008

$2,169

Revolving

Individual

$25

Wholesale, Not Elsewhere

Descriptions [?]

• Account transferred or sold
• Charged off account

No contact information provided by Equifax

Balance [?] Current Status [?]

$0	Bad debt/collection

Seven year payment history [?]30 days late60 days late90+ days late

2 times

1 time

4 times (Mar 2009, Feb 2009, Jan 2009)

Worst Delinquency [?]

120+ days past due

The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score. Here's an example of what one of my other creditors look like that say IIB. Status as ofDate opened [?]Date of last activity [?]Account number [?]Account Type [?]Account holder [?]Industry Dec, 2011 Jan, 2008 Aug, 2008 XXXXXXXX3481 Unknown Individual All Banks Descriptions [?] Bankruptcy chapter 7 Account closed by credit grantor No contact information provided by Equifax Balance [?] Current Status [?] $0 Included in Bankruptcy Seven year payment history [?]30 days late60 days late90+ days late 0 times 0 times 0 times Worst Delinquency [?] None Reported The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO® score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO® score.

[Siopao]

Crap...  The formatting got all messed up.  I'm going to try and post some screenshots instead.

[Siopao]

Ok.  Here's a screenshot of the account in question.

And here is what one of my other accounts that was included in bankruptcy looks like.  All of the accounts that were IIB look similar to this.

[Countingpennies]

it can still show lates and chargeoff if they occurred before filing. Should say $0 balance and included or discharged in BK. Yes, you should dispute.

The sample CR you provided appears to be a 3rd part CR. If you haven't already done so since discharge, get copies of your reports from all 3 bureaus and check them for errors. 3rd party CRs are fine for regular monitoring activity, but they vary in info from your full reports, for example, 3rd part CRs often only show 2 years of payment history, and your full report will show 7.

[Siopao]

Thank you for the advice!

I will definitely look into it.

[Scupra]

Like stated before, if it was charged off prior to your BK it is reporting correctly. I have like 4 of these :/  All set to fall off 2015