I have XXXX chapter XXXX bankruptcies on my report : XXXX that was filed in XX/XX/XXXX & XXXX that was filed in XX/XX/XXXX. Both of them were dismissed. Chapter XXXX 's are deleted from your report after 7 years. However, Equifax refuses to remove them stating that " dismissed '' Chapter XXXX 's are to stay on the report for 10 years while " discharged '' Chapter XXXX 's are removed after 7 yrs. They will not allow me to open a dispute for it because according to them that is the law.