XXXX mortgage. First Delinquency XXXX XXXX when the company was still XXXX XXXX. Company transferred to XXXX XXXX XXXX and XXXX reset our delinquency as XXXX XXXX. Foreclosed XXXX XXXX Credit Reporting Agencies refuse to delete the account from record despite it 's being almost eight years since first delinquency. They are now telling us we have to wait XXXX years from " last activity '' which was the last time XXXX took payment from us. XXXX is bankrupt as of XXXX and therefore not reachable. Equifax dispute number is above but all three agencies are uncooperative.