My account shown on the attachment has been disputed numerous times over the last 7 years. Those investigations by the credit bureaus led to nothing being accomplished. The credit bureaus claim to have verified this information and do nothing about the fact that it is illegal, even if charges are NOT disputed, to charge 600-800 hundred dollars in fees on a disputed balance of less than XXXX. Now it has come time that the account be removed because of the amount of time that has elapsed and the credit bureaus are not enforcing the FCRA rules. As you can see on the attache ; the account clearly states that the account was OVER 90 days past due as of XX/XX/XXXX. The FCRA requires that the 'date of first deliquency '' be used to determine the removal date. The removal date should not be XX/XX/XXXX. It should beJuly or sooner based on their own information. It is also illegal to charge excessive fees and as you can see, the statement of XXXX XXXX is that these are disputed charges of less than XXXX. This credit report is from XX/XX/XXXX. Current credit reports show even higher amounts due that the excessive {$940.00} shown here.