An car loan that supposedly was taken out on XXXX/XXXX/XXXX, was reported transferred to another office in XXXX/XXXX/XXXX. This was XXXX years after the loan was supposedly created. I have no record of this loan. I have had XXXX car loans in XXXX years. XXXX, after I XXXX from the XXXX XXXX in XXXX, for a XXXX XXXX XXXX and the other in XXXX for a XXXX XXXX truck. Each loan was paid in full with no late payments. Both vehicles were later sold with no lien holders to private buyers. I have no record of a car loan with the company saying I took out a car loan in XXXX. The first year the XXXX XXXX was offered was in XXXX as per research on the internet. Until I graduated from the XXXX XXXX on XXXX/XXXX/XXXX, I could not afford a car loan or any other loan. It is illegal for a company to carry a loan on its books for this amount of time. It also violates the time period a loan can be reported to a credit reporting agency per Federal law. I informed the credit reporting agency that as of this date XXXX years has transpired and they needed to remove this improper account from my credit report. They acknowledged that I have disputed this and still claim they have to wait to remove this based on what the creditor replies irregardless of what the laws are. The advent of long term car loans did not happen until the cost of vehicles made the standard three year car loans obsolete because people could n't afford the payments. This occurred many years after I purchased vehicles and also after this supposed car loan I have no record of in XXXX. I have requested on numerous times before that accounts that were over XXXX years or XXXX years that were being reported after the time periods had expired be removed and they were done without question. This account is over XXXX years old : this does n't make sense.