I had applied for an unsecured credit card through XXXX XXXX Bank. XXXX XXXX used the credit reporting agency Experian to process the credit information. I was denied credit due to the following reasons. Bankruptcy and foreclosure. I did file for and receive a chapter XXXX bankruptcy in 2014. However i am disputing the reported " foreclosure ''. I have never had a foreclosure. I pulled my credit report from Experian as well as XXXX, and XXXX and could not find any entry about a foreclosure in any of those credit agencies reports. The only thing that I can suppose is that because my morgtage was included in chapter XXXX bankruptcy protection Experian assumes that I was foreclosed on. However that 's not the case. I am current on my mortgage payments, I am listed as owner on tittle and I still physically possess the property. There is a distinct legal definition to the term " foreclosure. To meet the legal definition at a minimum the following terms must exist. The property and tittle must be awarded to the creditor through judicial action. These terms not being met ... using the term " foreclosure '' is not applicable. A mortgage simply not being reaffirmed and included in chapter XXXX bankruptcy does not meet the legal definition of the term " foreclosure '' .Reporting that my I have a foreclosure on file is patently false. 
