I contacted Equifax regarding an outdated listing on my credit report. I advised them that " The listing for " XXXX '' is outdated. Please note the following The " Date of XXXX Delinquency '' is XX/XX/XXXX The account " Date Closed '' is XXXX XX/XX/XXXXEither date is beyond the seven year provision that adverse information is listed in credit files. These listed dates reflects the timeline that you should apply to determine when this account should have been deleted from my credit file. Again this merchant listing should have been deleted from my file during XX/XX/XXXX ''. 

Equifax did a slipshod investigation and refreshed the dates on the account and deemed it an investigation. The information was not removed as required by the Fair Credit Reporting Act ( FCRA ).