XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Experian reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. XXXX is unreachable. It bankrupted in XXXX and the phone number Experian gives us does not provide any way to access anyone. Below is a copy of the document we sent which includes information we have sent multiple times to Experian