I have been disputing a charged off account on my credit report with all XXXX agencies. It is my understanding according to NY state law that the debit should be removed after XXXX years. It has been XXXX months shy of XXXX years and I can not seem to get this removed from my credit reports. It is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account number is XXXX. I am a single mom going to college working XXXX and wanting to purchase a home as soon as this is off my credit report. If you could help me that would be great. I have done research and NY law states XXXX years. Thank you for your time.