Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, a XXXX  was filed title XXXX XXXX XXXX and the discharge was on XX/XX/XXXXXXXX XXXX The credit bureaus after 7 years eliminated the bankruptcy  code for the year XXXX since the time required to eliminate the bankruptcy code had passed. 
Banco Popular de PR ( now BPPR ) had never reported to the Credit Agencies Balance {$0.00}. Until XX/XX/XXXXXXXX 
For eleven years, the BPPR continued to send credit reports, placing payment and progress information on the credit bureaus and the history. 
I frequently check my credit and it is not until XX/XX/XXXX, that I see in my story that they report and put the balance at {$0.00} to the credit bureaus, incredibly eleven years after the discharge and elimination by the credit bureaus of the bankruptcy code. This is affecting the credit that I'm working to raise the empirical. 
Now the credit bureaus say I need to work on my mortgage account because of this change. In made a complaint to the BPPR I sent them the evidence that I had never, in eleven years reported the balance at {$0.00} that according to their response to my complaint to the BPPR # XXXX that I include a copy. 
This action by the BPPR is untimely, as the credit bureaus have already removed the bankruptcy code from history.

Bankruptcy is a legal process that can stay on your credit reports for up to 10 years, appearing even after your debts are discharged and the bankruptcy is completed. But exactly how long it will stay on your reports depends in part on the type of bankruptcy you file. Of the various types of bankruptcies, two of the most common are XXXX XXXX and XXXX XXXX. 
Note : Type of bankruptcy How long it stays on your credit reports ( from the date of filing ) XXXX XXXX  is 10 years XXXX XXXX Is 7 Years This action by the BPPR is untimely, as the credit bureaus have already removed the bankruptcy code from history.

Bankruptcy is a legal process that can stay on your credit reports for up to 10 years, appearing even after your debts are discharged and the bankruptcy is completed. But exactly how long it will stay on your reports depends in part on the type of bankruptcy you file. In my case have pass 11Years ( eleven years ) Banco Popular de Puerto Rico reactivated a XXXXankruptcy process by notifying the credit agencies after eleven ( 11 ) years, on the month of XX/XX/XXXX on the credit report, when I see the change in my story that they report and it puts the balance at {$0.00} to the credit bureaus, incredibly eleven years after the credit bureaus discharged and removed the bankruptcy code. This is affecting the credit that I'm working to raise the empirical. 

I have already filed complaints to the BPPR, who informed that my mortgage account had been one of the accounts where the service provider XXXX XXXX XXXX  I was a victim of cybersecurity precisely on XX/XX/XXXX, my personal information, name, SS and other sensitive information were stolen, which happened to the BPPR. I include a copy. On XX/XX/XXXXXXXX  three debits occurred to my checking account BPPR. I filed a complaint with BPPR XXXX and the Federal Trade Commission XXXX this issue was corrected. But now the mortgage account appears is mark XXXX in the Credit Bureaus. 
By filing the account at XXXX, to the credit bureaus, as if you were in a XXXX XXXX XXXX it's past 10 years of discharge and now probably I have to wait 10 more years to remove this derogatory mark from credit reports when they're seen applying for credit. 

Note : Credit Bure said that : Debts included in your bankruptcy can also have a negative impact on your credit reports ; Discharged debts will likely be listed as " included in bankruptcy '' or " discharged, '' with a balance of {$0.00}. In a XXXX XXXX  bankruptcy, these accounts should disappear from your reports seven or ten years after the date you filed, unless the accounts were delinquent before the date the bankruptcy filing.

Company response to consumer: Closed with explanation