OK, following the good advice from y'all good folks in this this thread, I ran my free credit report, and found two blemishes that only appear on the Equifax report, and not on the report from Experian. Both are from credit cards I used to have, one from Chase and the other from Citibank. The balance on both are $0 and the the status both state "Pays as agreed." I remember handling both these issues about two years ago and I would have though that they would removed these two delinquent $0 balance accounts by now!
I've disputed both of these items on the website as the option is provided. I'm going to call PenFed and tell them that these problem accounts are technically resolved and that I owe nothing. Hopefully they will understand!