I have paid on my mortgage for XXXX years and they do not have it on my report I have contacted both Equifax and XXXX mortgage. Equifax says it has neverbeen reported. XXXX sent my a letter stating that it HAS been reportedevery month for the last XXXX years. the other XXXX credit agencies show itcorrectly. also Equifax has me with XXXX late payments, they are showing payments that were included in a bankruptcy.