Equifax — is a fraud!
If Equifax is obligated to remove or correct an adverse item on your credit report (ie, you paid off the balance in full), but refuses to correct it, you cannot even file a dispute with them unless you buy one of their products. For example, if you have already gotten your free annual credit report and something else pops up that is incorrect, if you want to dispute it you must have a "confirmation number". The only way you can get a confirmation number is to order a copy of your credit report, for a price. Believe me they know what they're doing. Even if it's not your fault you can't even talk to someone unless you order their product (credit report) in order to find a 800 number to call to dispute- you can't call unless you have the number - can't get the number 'till you buy the report.