Same Account Shows "Good Standing" and "Negative" on my Experian

[youngandconfused]

Hi everyone!

On my Experian report, I have Macy's appearing twice - same account number - once under the "negative items" column and once under the "good standing" column.... very confusing.

MACYS
Address:  PO BOX 8218 MASON, OH 45040 (800) 243-6552  Account Number: 410574019....
Address Identification Number: 0025933518
Status:  Paid,Closed.		Status Details:   This item was updated from our processing of your dispute in Jan 2011.
Date Opened: 07/2005 Reported Since: 07/2005 Date of Status: 09/2008 Last Reported: 09/2008	Type: Revolving Terms: NA Monthly Payment: $0 Responsibility: Individual		Credit Limit/Original Amount: NA High Balance: NA Recent Balance: NA Recent Payment: NA
Your Statement:  Y ITEM DISPUTED BY CONSUMER		Creditor's Statement:  Account closed at credit grantor's request.
Account History: 90 days past due as of Jul 2008 60 days past due as of Jun 2008, Nov 2007 30 days past due as of May 2008, Feb 2008, Oct 2007 then... it shows up underneath as this: MACYS Address:  PO BOX 8218 MASON, OH 45040 (800) 243-6552  Account Number: 410574019....   Address Identification Number: 0025933518  Status:  Closed/Never late.  Status Details:  This account is scheduled to continue on record until Dec 2021.  Date Opened: 07/2005 Reported Since: 11/2011 Date of Status: 12/2011 Last Reported: 12/2011 Type: Revolving Terms: NA Monthly Payment: $0 Responsibility: Individual Credit Limit/Original Amount: NA High Balance: NA Recent Balance: $0 /paid as of 12/2011 Recent Payment: $0 Creditor's Statement:  Account closed at credit grantor's request.  My question is, what should I do about this? Do I contact Experian or Macy's and how should I go about getting the negatives off? Thank you for your help!

[RobertEG]

Send a dispute to the CRA under FCRA 611(a)(1) of accuracy of items in your CR, accompanied by those portions of your credit report.  The two are clearly contradictory, and one must be inaccurate.

Let the CRA reinvestigate and give you their version of what occured.

[llecs]

OP, I wouldn't dispute. If the lates are accurate then likely Macys would delete the good account and verify the bad. You wouldn't want that. If I had that, I'd call Macys. The CSRs I talked to in the past are very knowledgable. I once had an extra Macys TL report in error and I called. They had the power right then and there to delete, or so they offered. I waived because I figured it would help my AAoA in the long run. But I'd call them and have a candid conversation. At the worst, you could ask for GW over the phone. But I bet if you dispute, they'll delete the good one if the lates are accurate.