The reps I spoke to before told me everything from Equifax is the only one who can remove that item and Citibank is not reporting. My loan was sold we no longer havee any info and aren't reporting it CSAc that is reporting under Citi's name. I know this is all crap and I usually got mad and hung up on the rep. I even tried Ombudsman but they were useless. So my question is why do they neeed to see it? And this item was verified at least 2 times.