I just got off the phone with Experian and they once again told me there is no one specific person that they verify this with that it is done by a general letter. I did ask Experian to send me a copy of the reverification letter they were talking about. I also tried to contact First USA and they told me I have to write to their "CDV Team" and include all the information. I suppose that writing would be the better way to go, but I was trying to trip up Experian. The account is mine, but it is being reported incorrectly. I filed BK with them, but my BK was filed in 8/00 and discharged 11/00. They show me being 180 days late as of 2/01 and BK filed on 2/28/01. It is also not showing discharged, just BK filed. What I am worried about is they may eventually show this as a charge off. I have the discharge and the schedule with them listed. Do I have a violation here? I am just so mad and am probably not thinking clearly.