This account was turned over to XXXX in ( I believe XXXX XXXX XXXX. There has been no activity XXXX NONE XXXX yet every few months they keep " updating '' my report ( they did this in XXXX XXXX, XXXX XXXX, XXXX XXXX & again in XXXX XXXX ). Even though this account has no activity & is set to come off of my report next year, every few months it appears as " new '' again. I received an " alert '' from XXXX last week that a new derogatory account had been added to my report. It 's the same account that 's been on here since XXXX. Even though it 's an old account, it caused my score to drop XXXX XXXX XXXX dropped my credit limit as a result XXXX