XXXX foreclosed on our house XXXX XXXX. XXXX delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the XXXX delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX.