XXXX this account has been on my credit report for seven years now and is suppose to come off i disputed the item with Experian and they refused to remove it and i also called XXXX and an was told the credit bureau have to remove this from my credit file the first date of delinquency was XXXX 2008 seven years to my acknowledgement and what is highlighted on the file i attached on my Experian report your account that my be consider negative that this information is generally removed seven years from initial missed payment that led to delinquency