Advice

[Tastraphy]

Ok. So I filed for Ch13 back in 2020. About 5 months left until discharge. I had an issue with Verizon (my carrier at the time) which resulted in $2500 negative account being inserted on all 3. This occurred last year in 2024. I recently got all 3 of my reports, and Verizon has inserted these accounts on all of them as IIB, a balance showing due, and showing that the date of first delinquency was back in 2020. All of these things being incorrect. I’m trying to think of the best way to go at this. Do I just let sleeping dogs lay until after the BK is discharged, and then dispute it as showing a due balance since everything IIB on the report should be showing $0 balance after discharge? There’s a lot of inaccuracies on this trade line, but ultimately don’t want the DOFD updated to reflect last year- extending the drop off time

[bass_playr]

Hiya, help me understand on this one.

The Verizon is, or is not, actually included in your BK?  If it is, then I'm curious as to how you'd expect DOFD to be last year.  A little more info from you will help us to give you the best response.  

If it is part of your BK, then DOFD cannot be last year if your BK was filed in 2020.  

As it stands now, it appears that you may have multiple violations of law present.  If I were in your shoes, I would not worry too much about them keeping this one on your credit longer, because your Ch. 13 will already do the damage to your report and credit scores.  I would honestly pursue what violations you may have.  

However, it's very important that you familiarize yourself with the requirements of the various laws.  For example, with the Fair Credit Reporting Act, you must first dispute the errors through the credit bureaus before that law allows you any right of action against violations.  It's important to know and follow any such requirements or you will put yourself outside of the opportunity to act.  

[Tastraphy]

Thanks. So the Verizon account is not, and was not included in BK. I filed BK in 2020, and this account did not go delinquent until last year. However, they are reporting it as IIB, and backdating it to 2020 when I filed. That's why I'm wondering if I should go after it, or leave it be, because worst case it's only on there until 2027, where is if the correct date it ever updated, it'll be there until 2031. So basically, they inserted it on to my credit report as IIB and put the date as 2020 which all are incorrect. Also, I know that after a BK is discharged, everything that was IIB cannot show a due balance, that's why I was asking about that. Seems like a few different angles I could go at this