I've just recieved my second letter of concern now stating a CLD on a MasterCard account regarding info. on my Equifax Report. I can see nothing wrong with Trans Union, or Experian but when I recived the first letter in Dec. I followed the directions and ordered a report. But nothing ever came in my mailbox. When I tried the online order after recieving the second letter I got a message telling me I had ordered a report on 12/2008 and click here to buy one... I'm still entitled to see my report? But nopeople to explain this to. I think something may be up.....