CR in Washington said: “I recently received a copy of my credit report (Triple Advantage) and noticed an HSBC/RC account that shows the account to still be open. It shows a high balance of $762.00 and a current balance of $0.00. I have no idea what this account was for. I found the phone number for the company on a complaint website about HSBC, as no number was listed on the credit report.

When calling 1-800-365-6538, I spoke to Sameerah. As the credit report only listed the first seven numbers of my account (last four were XXXX out), I had to give her my social security number. She could find no account and stated it must have been closed years ago.

When I informed her the credit bureaus show it to be in active open status, she said I had to take it up with them and they must not have updated the status. When I said, “All three of them?,” she reiterated there was nothing she could do and I would have to file a complaint with them to have it closed. Unfortunately, the credit bureau states it cannot close it without documentation from the company. Please help. All I want is the account to be “closed” and removed from my credit report. Thank you.”

HSBC Watch monitors HSBC customer trends for possible violations of Regulation Z and other possible illegal actions. We use your individual HSBC complaints and merchant complaint reports to perform trend analysis. We are not associated with HSBC, Household International, or their merchants. Some items are used by permission granted in the Fair Use guidelines of the 1976 U.S. Copyright Act. HSBC Watch was formerly known as Household Watch and is now part of the Lender Watch network.