HSBC reporting account as IIB when it was not

[BearChaser303]

I had an HSBC card with zero balance that I did not include in my BK filing (since the balance was zero). Not long after I filed, HSBC closed the account and are now reporting it to the CRA's as IIB. I disputed it once and had thought that they had corrected it, however I noticed it is again reporting IIB. When I tried to do another online dispute TransUnion said it was previously validated and they consider the 2nd dispute as frivolous.

Question is, should I pursue this or does it really make any difference in the big picture? If I should pursue it, does anyone have a sample letter and should I dispute directly to HSBC or by mail to TransUnion (and possibly others)?

[BearChaser303]

Just to clarify, I disputed it as "not included in bankruptcy" however HSBC supposedly verified it as being accurate. HSBC was not anywhere on my creditors matrix or petition.

[magyar123]

Write to HSBC and ask them why they are reporting an account NOT included in bankruptcy as ONE included. Send the letter CMRRR.
No use arguing with the CRA - they are probably just too lazy to really investigate your dispute.

[dp1969]

Just a question about the "IIB" terminology, is that something that will appear on your CR? I see it posted and haven't pulled my report since the discharge. Wanted to know what that meant. Thanks.

[BearChaser303]

I dont think the credit report actually says "IIB", it is just one of many (WAY too many in my opinion) acronyms used on this and other forums. IIB = Included In Bankruptcy.

[dp1969]

I dont think the credit report actually says "IIB", it is just one of many (WAY too many in my opinion) acronyms used on this and other forums. IIB = Included In Bankruptcy.

LOL. I get it. Just thought I might be behind on my CR terminology...not the case. Thanks!