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Joel/AJ,

Thank you so very much for your detailed response! It was my bad not to mention more details about the incorrect listing on my CR. This is from a credit card that I had opened way back in 2000/2001 time frame. The card was issued by Associates Bank, which I believe was later acquired by Citi. The credit limit for this card was $300, but in the highest balance the CR shows an amount of $676. This is what I'm furious about because I cancelled the card without ever using it and also within a time frame of less than a month after receiving it.

So this opens up another can of worms, if I applied for it in 2000/2001 why would it show up on my account till 2016? I thought the time frame for showing closed/active accounts is 10 years? Could it be possible that since Associates was acquired by another bank they somehow screwed up the listing?

I am going to follow your suggestions and see how quickly Equifax/other CRA's can help me with this.

Thanks again so much and apologies for any confusion I might have caused in my original post.
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