I concur with Norman as to effect on scoring, with the possible excleption that closure of an account begins the 10 year clock for admin deletion of an account by the CRAs.
That is clearly of no immediate concern.
As for dispute of their reporting, it is not a violation per se for a party to have reported inaccurate information.
Humans are known at times to be inaccurate, and statute cannot mandate human accuracy.
To that end, the FCRA mandates that a violation occurs when a party reports information that is known ot be inaccurate. FCRA 623(a)(1).
However, in your situation, by verifying information that was reported to one CRA while having contradictory information reported to another CRA, they are perilously close to willful misreporting. If they do, in fact, determine that the account is still open, then their reporting with the other CRA would clearly, by their own investigation and finding, be inaccurate. A party also has an obligation under FCRA 623(a)(2) to promptly update any prior reporting as necessary to maintain its current accuracy.
Logic would mandate that the same account would only be either open or closed under whatever basis they may have for making that determination.
Thus, should you wish to push the matter, you appear to have clear basis for asserting a violation of FCRA 623(a)(2), to which you could file a formal complaint with the CFPB.
Personally, I would not want to burn a possible bridge with them unless you clearly have no further need for anything, such as a possbile future GW deletion request.
