<prompt> Human: As the title said, I never requested the card to be closed. I already called the creditor and asked that it be changed on my credit report. They agreed over the phone; however, today I received a letter stating that their investigation showed that there is no error on their part and will not change anything.At this point, is it even worth the effort to try to get this changed? My credit is in great shape already. I dont know whether a closed by creditor or closed by consumer makes any difference in the grand scheme of things.Edit: thank you all who responded. The consensus is that its not worth my time.  <response>: It doesnt matter that much but personally i think closed by consumer is better - just leave as is 