The XXXX Card account on my credit reports XXXX Equifax, XXXX XXXX is being reported incorrectly. The account is closed and it appears to be open and active. 

Also, the creditor is reporting that the debt was charged off and if that is the case, the debt has been forgiven and the balance should show as {$0.00}. If XXXX Card is issuing a XXXX that means they are reporting that the debt is forgiven in exchange for a tax credit. Also, the late payments should not be reported as of the date the debt was charged off. 

Because XXXX is reporting that I have an active debt with an outstanding balance ( when the account is actually closed ) it is lowering my credit score. 

I disputed this issue with the all three credit bureaus and XXXX directly but the information on my credit report remains inaccurate.