I too had one of these on my credit except it was with Equifax. Mine was due to a closed Verizon account that was paid off five years ago. I had to call Verizon and have them send a new report stating as such to Equifax. Hopefully, it should show by the end of July. I have tried to check my Equifax information using annualcreditreport.com but it tells me, "We are not able to deliver your free Equifax Annual Credit Report online". I'm not sure why that is.