What to do

I have an installment loan which is 6 years old, paid and closed. However, the bank is reporting the account as open with a $3000 balance. I had called to ask that the listing be updated to 0 balance and closed, thinking this would help my debt ratio. The bank is a small town bank in rural Oklahoma. I have been told by the bank officer that they no longer report to the agencies and they can't update the account as paid. As unbelievable as this sounds, its true. I called CRA and was told if I dispute the account there is a possibility of it just being removed. I know this is only good for 2 more years but the account is positive TL.

My questions is, is it worth risking deleting the entry to remove the balance from my overall debt or would it be better to leave it on my credit with a balance reporting?