Boy I just found out from Equifax that I was formerly known as another name! Such idiots. I called and disputed. Also, I disputed the account number my car loan is through because the company changed computer systems awhile back and the other two CRA could not verify late pays, so they were deleted. I disputed with Equifax and they state right on the report "this item is unverifiable", Equifax has verified the account as paid in full. I had asked them to update balance as paid in full. Guess I need to ask them again to verify lates. If they can't verify, they have to delete, wish someone would tell them that. Anyone have any other suggestions?