Equifax of all the credit reporting agencies is wildly inconsistent and unresponsive. Both XXXX and XXXX reflect most closely my XXXX, and payment history. I have attempted to correct it with Equifax with no success and I am not alone. My wife has also experience identical issues. Both our credit scores fell over XXXX points! This came about after we refinanced a vehicle ( with a perfect pay history ) and they had not removed the old loan. Equifax also is reporting inaccurate open credit, and credit I have not signed for. 
Add to this, multiple emails to review my disputes and the site tells me there are NONE. 
There is a clear liability when XXXX credit reporting agency does not reflect reality and is disruptive to my credit profile and ability to borrow or get decent ratesXXXX XXXX