I contacted all my creditors about a non-collectible debt ( XXXX XXXX on my credit report. I proved that I am exempt from the debts under federal law as a XXXX Veteran. They all agreed with me and said that they have removed the debt ( s ) from their records and requested that the XXXX XXXX XXXX XXXX major credit bureaus to remove the adverse information, as of XXXX XXXX, 2015. However, all three credit reporting agencies refuse or delay to remove the adverse information from the record. The accounts are : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. All XXXX credit reporting agencies are not doing what they have to by law. 1. Experian 2. XXXX 3.XXXX