I have filed several disputes with Equifax about removing a chapter XXXX that was dismissed and has been on credit report for 9 years. I have read and done research and understand that it should have been removed at 7 years. It even says on Equifax website that it should be removed. I finally called and was told by XXXX they will not remove it before10 years. He also said I must prove it was a chapter XXXX not a XXXX and I let him know that the letter they sent me states that it is a XXXX not a XXXX. He then told me since it was dismissed it will be treated like a XXXX. I did advise them I will be filing a complaint and XXXX told me to go ahead and file a complaint. That despite everything I have read their policy is not to remove it before 10 years because a dismissed XXXX is just like a chapter XXXX.