My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX XXXX for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus.