I have just decided that I have been through enough with Equifax. Personally, I am tired of doing their quality control for them. They have repeatedly verified inaccurate information, and keep reporting duplicate accounts with open dates of 00/0000. WTF??? SO, I am enlisting your help in drafting letters to all 3 about my credit reports. I like LKH's letter, but may not suit my needs. Should I modify it to what my situation is? Any help is appreciated.