I was an AU on my ex's Cap1 plat. The card was opened in 2007 and has perfect payment history so I didn't mind it being on my report, but for moral reasons I didn't want it there because it's not mine. It was ONLY showing on EX so I disputed it there and it was removed within 3 or so days. Fast forward a couple of months to now, and it shows up only on my EQ and TU now and NOT EX. The responsibility shows "Terminated" and now only shows the last 24 months of payment history vs. the entire history I used to be able to see. I don't mind the account showing on my reports as an old TL that will age and not update, but don't want the balance to ever update on it because A) It could hurt me if she uses it recklessly, and B) It's simply none of my business. The strange thing is too, that it shows as an open account on TU, and a closed account on EQ. Does anyone have experience with a "Terminated" responsibility account and how it will likely display going forward? Is this just one of those quirky things we just have to wait and see that is very much YMMV? Just looking for some insite before I try and get an over 12 year old TL deleted form my reports.
When I removed myself as an authorized user from dad's PenFed card, I filed a dispute with the 3 bureaus and they removed the entire tradeline. There's not a trace of the account on any of my reports and that's what should have happend with yours as well. Did you actually remove yourself as an authorized user, or did you just file the dispute without doing that first?
I removed myself from the account some years back. It was just weird that it went from only reporting to EX, to then reporting only to the other two instead. I guess I’ll just have to file with the other two bureaus. Not looking forward to dealing with EQ. 🙄 Thanks for the suggestions.
Now I see why it's called EX Credit bureau. 
