I have an unpaid chargeoff with MBNA for $500. They have since sold this account to a CA. When I first ordered my credit reports, all three agencies were reporting this account twice - once under MBNA, and again under the CA name. Same account number, same charged-off balance. After my first round of disputes, TU and Equifax deleted the MBNA tradeline right away, leaving only the CA account on my reports. However, Experian refuses to delete the MBNA account and has told me that since both parties are reporting the account, it has to stay on to "better reflect my complete credit history." However, they are reporting still reporting a balance on the MBNA account - shouldn't this be changed to a zero balance and the status be changed to "transferred/sold"? It doesn't seem right that the balance is being reported twice on my report when it's the same account. Is this right?
