As a result of this thread I checked and noticed that EQ (through both TC and SP) are reporting my long ago closed by me Providian/WaMu/Chase account as both "Closed by consumer" and "Closed by grantor", Since I definitely closed it this will have to be dealt with. This mixup must have occurred during the WaMu to Chase changeover. I had a TU problem with this same account at that time as well which was far worse. (I do not have a direct EQ report. Since it reports the same way by two third party sources I am going to have to assume it is real. Both TU and EX report this account correctly on reports pulled directly from them.)