I have an account that should have been deleted from my credit report in XX/XX/XXXX. The credit reporting companies refuse to delete this info even though its past the 7 year reporting period. The account being reported is from XXXX. I have an old credit report dated XXXX from Transunion showing the estimated date of removal to be on XXXX. I have contested this each year with Transunion, XXXX and XXXX and each time the old debt is verified. They are also reporting it as being in a chapter XXXX bankruptcy. I have never filed a chapter XXXX bankruptcy. This old debt is bringing down my credit score to the point I can not qualify for a VA home loan.