Any collection, until terminated or debt paid, has its own status of an Open collection. It is separate from any open or closed status of the OC account.
It is quite possible that the debt collector terminated its reporting to only one or two CRAs, while keeping its status as open with a third.
Thus, I dont see basis for disputing their reporting as inaccurate.
The scoring impact is the reporting of the collection itself, not its current active status.
