Which report (EQ, TU) is this?
Something has changed in the way that the lender is coding the loan, and so it is reporting incorrectly. You probably need to get with the lender, but you'll need to have your report in front of you. And most frontline CSR's won't have a clue what you're talking about when you call, so you will need to keep politely escalating until you reach someone who understands how SL's report to the CRA's and understands the problem.
I would have a copy of an older report (where it's reporting correctly) and a newer report (where it isn't) in front of me. If you save them all to disk, or have access to all of them, try to determine when the reporting changed.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007