I had bankruptcy about XXXX years ago, Equifax reported this account for XXXX yearswhile the other XXXX reported for XXXX years, Now I have applied for a loan. 
with XXXX XXXX, the loan officer tells me I have bankruptcy, Under federal lawten years is the max time to report but in this case, this is the XXXX year. 

another one is XXXX XXXX reporting XXXX dollar bond that was disputed and the case is pending in XXXX district court of Georgia ( federal Circuit )