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Account status incorrect. I am filing this complaint because I have incorrect account status and balance information still being reported on my XXXX credit report. 1. Discover Card This account was charged off and closed in XXXX, but it is still reporting a balance of {$1400.00} and being included in my revolving utilization. This is inaccurate and damaging my credit score. Discover confirmed that they are no longer collecting on this debt. Per the FCRA, the original creditor must report a {$0.00} balance once a debt is charged off and no longer being collected. XXXX. XXXX XXXX This account was also charged off and closed. I was directed by XXXX XXXX to contact XXXX XXXX XXXX, which shows the debt has been assigned to a third-party agency. However, XXXX XXXX is still reporting a {