Equifax, the agency that just does n't play well with others ... I had XXXX mortgage, not XXXX back in XX/XX/XXXX with XXXX XXXX XXXX loans, it was an interest only ARM loan that I should not have ever agreed to. As the it adjusted annually and our incomes declined we sent in multiple requests for help, lost paperwork, lies, threats, disappointment and then more lies. At least XXXX trees worth of paperwork. then it was transferred, I swear at least 3 times, I received a notification it was being serviced by XXXX from XX/XX/XXXX thru XX/XX/XXXX. Eventually we hired an attorney and after 2 attempts, the loan was finally modified. These places were very understaffed and overwhelmed I am sure. Mistakes happen and mistakes were made, were all human. As you can see, even though we received a settlement from XXXX, XXXX XXXX still continues to retaliate or more likely Equifax never really checks, they just say, " oh, sure we did and that 's what they are telling us '' then I receive more secured credit card offers, we all know what they are doing. You can see FH reports separately from the current mortgage holder, so it appears as XXXX different loans. I had the other bureaus contact them and they are reporting XXXX as agreed with no lates. I made the less than full payments as required for modification and eventually they completed the modification, took from XXXX XXXX to XXXX XXXX but, they pulled through for us. XXXX is AWESOME! In turn, they are not reporting in error for the time it took to process and the fact I sent them over $ 40k to catch up probably helped. What Equifax is doing is just frankly really uncool to me, they should delete XXXX XXXX, the last payment was in XX/XX/XXXX anyway and report XXXX the way the other bureaus and us agreed it would be reported. Let 's all move forward. thank you always, you are really amazing resource for the consumer.