The XXXX XXXX XXXX XXXX XXXX which is the creditor in question has failed to remove a debt that is more than 7 years old. The debt was a car repossession and it should have expired after 7 years or in XXXX XXXX in the amount of {$810.00}. I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year. The date closed now shows XXXX XXXX. 

The XXXX XXXX XXXX XXXX XXXX XXXX was also a repossession of a car and the account has been stated to expire XXXX XXXX in the amount of {$15000.00} also on every credit report I have since XXXX and I received correspondence from Equifax that the creditor validated the debt and they consider it still valid. I have copies of credit reports back to XXXX that state the debt was valid until XXXX XXXX, now magically the date of the debt has changed on the Equifax correspondence and is extended by one year as well and the date closed now shows XXXX XXXX. 

This is not accurate. The car payments were missed in XXXX XXXX and the voluntary repossession was in XXXX XXXX. I have requested documentation via my attorney XXXX XXXX firm to show the validity of the voluntary repossession document, which I signed when the tow truck driver picked up both cars and the XXXX XXXX has not produced the documentation. 
This is fraud and I have documentation to prove on every credit report since XXXX the date that XXXX XXXX XXXX said the debt would be removed. 
I stand ready to pursue this matter to the full extent of the law and have informed both Equifax and XXXX of my intent and expect that the person or persons that are responsible for reporting credit be dismissed from the XXXX XXXX and face criminal charges of fraud and record tampering. 
Please let me know what the next steps are in remedying this situation. This is having an affect on getting credit cards that are required for me to travel as a XXXX XXXX XXXX XXXX XXXX and could have an adverse affect on being employed. 

I have taken snapshots of the credit reports and explained the circumstances in the letter attached, if you however require the full credit report I am happy to submit the full report. 

Thank you for your help in this matter, I sincerely appreciate it. 

Kind regards, XXXX XXXX