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If you had a BK discharge from back in 2010, how then would a credit card opened in 2015/2015 be discharged under the BK?
Regardless, you must first dispute the accuracy of the specific item of information that is considered to be inaccurate, and then the dispute is limited to the verification, correction, or if neither can be done, deletion of only that item of information.
A dispute of a specific item of information is not basis per se for requiring deletion of other information, or of the entire account.
What do you assert as inaccurate?
The open date of the credit card(s), or that they were discharged prior to their open date?
Confusing......
Is it on all 3 CRA's or just 1.
Sorry. Are are 3 cards from the same creditor? If not. All accounts that were part of your BK should say IIB and 0 balance and noting else. The DC date should be the last of dates on the account. Nothing else after that. You could dispute it and upload your DC document when you dispute them.
Then file a dispute with the CRA under FCRA 611over the accuracy of the reported open date.
A furnisher must first be provided the opportunity to review/investigate the accuracy of their reporting before they become subject to any liability, so yes, the first step is to file a dispute with the CRA and either get the open date corrected or verified. See FCRA 623(c).
If they verify the accuracy of the open date and you still disagree, you then have the right to bring civil action asserting liability for inaccurate investigation of your prior dispute.