My credit report has the same loan being reported XXXX times. I have a total of XXXX loans being reported XXXX times. So instead of the XXXX loans that I have actually taken out, my credit report is showing XXXX. Each company that has managed my loans has reported them, so XXXX companies. XXXX loans. XXXX accounts showing on my credit report. The most recent loan carrier reporting does not even have an open date for my loans. Then I have one other loan that I paid XXXX years ago and it 's even on my credit report XXXX times even though it was already paid off. So, this other loan, XXXX loan, but showing it as XXXX accounts - and it 's been paid for XXXX years. That 's XXXX extra accounts showing on my credit report that should n't be there. And it 's on XXXX reports that I got XXXX XXXX Equifax XXXX, so I 'm sure it 's just as bad or worse with other reporting agencies.