I just recieved a copy of my equifax credit file. The first 2 items under Public Record Information are really the same issue. The first says Lien Filed 7/2004 Marion Recorder FED Leins and does NOT show it paid. The second shows it being paid 2 months later. They have the same Case or ID number. A real person should be able to tell they are the same, but does the credit scoring program? It was a local property tax bill in Indiana and every county was delayed 2 to 12 months by a reassement under a brand new system... I never got a bill or a late notice... other than the court summons...
If their system screwed up your bill, it probably screwed up a lot of other people's bills. Have you contacted your Assessor or Tax Collector? Are they elected officials? Have your local papers reported on problems similar to yours?