Interesting comments on Equifax. Yes, they are and have been a pain for many years. Found riding them like a horse and "disputing" legitimate errors until they finally get it right. Their latest thing with me is reporting many old closed accounts as active open accounts. It seems every few months they reported closed then out of the blue they report open. Since their reporting is not actually affecting my credit report I have been letting it ride. Of late, they changed my address and now I am dispute putting back where it has been for many years. Unreal !!! 