Help! Dispute completed. OC still reporting wrong.

[Anonymous]

My dispute with EQ just completed and an account, Daniels Jewelers, came back with this: The results are: This creditor has verified to OUR company that the current status is being reported correctly. Additional information has been provided from the original source regarding this item. Historical account information was deleted from this account. If you have additional questions about this item please contact: Sherwood MGMT Inc/Daniels. On both my TU and EX, it is reporting correctly as IIB and with a $0 bal. What should be my next step? Try and dispute it again? Should I contact the OC and send them a FCRA/FDCPA violation warning? Get an attorney involved? This is the status it is reporting: Status − Charge Off; Type of Account − Revolving and shows a date of 03/15/2016 as the last date of update. That is my date of discharge. I'm confused as to why it's showing correct on the other 2 and this one they verified as correct. Especially since I provided EQ copies of my schedules for my BK7 and discharge letter including the Certificate of Notice. Can someone please guide me in this?

[gdale6]

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@Anonymous wrote:

My dispute with EQ just completed and an account, Daniels Jewelers, came back with this: The results are: This creditor has verified to OUR company that the current status is being reported correctly. Additional information has been provided from the original source regarding this item. Historical account information was deleted from this account. If you have additional questions about this item please contact: Sherwood MGMT Inc/Daniels. On both my TU and EX, it is reporting correctly as IIB and with a $0 bal. What should be my next step? Try and dispute it again? Should I contact the OC and send them a FCRA/FDCPA violation warning? Get an attorney involved? This is the status it is reporting: Status − Charge Off; Type of Account − Revolving and shows a date of 03/15/2016 as the last date of update. That is my date of discharge. I'm confused as to why it's showing correct on the other 2 and this one they verified as correct. Especially since I provided EQ copies of my schedules for my BK7 and discharge letter including the Certificate of Notice. Can someone please guide me in this?

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An IIB account is a CO and they can report it that way as long as its a 0 balance and somewhere its noted "Included in BK" or other words to that effect. Best thing to do is post the TL here after redacting the personal info for the members to see.

[RobertEG]

The creditor can charge-off a debt after it is discharged under BK, but both the FTC and some case law has held that they cannot report a CO that occured after the BK.

Did they take the CO prior to discharge of the BK, or after?

[Anonymous]

It was already reporting as charged off before I filed. It has a balance listed of 216 and nothing stating it was IIB. The account showed as charged off on TU and EX too prior to filing and reported correctly on those after discharge as 0 bal and IIB. EQ seems to be the one reluctant to update.

[Anonymous]

DANIELS JEWELERS  02/19/2013 $216 01/02/2014 $200 CHARGE-OFF$217

PO Box 3750
Culver City , CA-902313750

SHERWOOD MGMT INC/DANIELS

Account Number:		Current Status:	CHARGE-OFF
Account Owner:	Individual Account.	High Credit:	$ 216
Type of Account :	Revolving	Credit Limit:	$ 217
Term Duration:		Terms Frequency:
Date Opened:	02/19/2013	Balance:	$ 216
Date Reported:	01/02/2014	Amount Past Due:	$ 200
Date of Last Payment:	05/2013	Actual Payment Amount:
Scheduled Payment Amount:	$ 25	Date of Last Activity:	N/A
Date Major Delinquency First Reported:	01/2014	Months Reviewed:	11
Creditor Classification:		Activity Description:	N/A
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Charge Account

Date of First Delinquency:	05/2013
Comments:	Charged off account

Here are the details of the TL with personal info removed. Note the date reported. It was definitely there before I filed on 12/15/15.

[Anonymous]

Bump. Any advice on what I should do next would be greatly appreciated.