After months of disputing the XXXX XXXX XXXX Tradeline on my Equifax report - and getting this final response from them, stating there is nothing wrong with the account, its been verified, and is reporting correctly - it stays on my credit report. Copied response is below. 

" Response disputedEquifax said : Explanation of closureEquifax has reviewed the complaint and its records. Please be advised that XXXX XXXX XXXX account number ending in XXXX was disputed on XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. XXXX XXXX XXXX has advised that your status is reporting correctly on the Equifax Credit File. Please be advised that charged off accounts that are reporting a XXXX balance are considered to be closed accounts. For any additional information regarding this account, please contact XXXX XXXX XXXX directly at ( XXXX ) XXXX. Our records conclude that a copy of your Equifax Credit File was sent on XXXX XXXX, 2015. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please contact us directly at ( XXXX ) XXXX. " The problem is - on XXXX XXXX, 2015 - this tradeline was deleted. It has disappeared from ALL records at Equifax ( I just called them ) and the only remnants are the XXXX disputes I filed in XXXX and XXXX of this year. 

By Law - I am entitled to a written explanation for all disputes, and this deletion has never been accounted for. 

Equifax - please explain and provide any supporting details for the following. 

1. Why was this account deleted? Please provide the method and the owner of such the decision as well. 
2. Why was notification of a deletion of this disputed account - not provided in writing? 
3. Where is the NEW credit report that reflects the change to this disputed account? 
4. All responses are requested through US mail. 
5. This account has not aged out, as per FCRA/XXXX reporting specs.