Dear Sir or ma'am, Today, I spoke to a representative from Equifax to dispute a dismissed Chapter XXXX bankruptcy on my credit report, which was filed in XXXX 2006. 

However, He stated to me, " This is Federal Law and it Can not Be Removed ''. Hence, I can not dispute this item. Subsequently, he gave me the phone number to the Federal Trade Commission at XXXX. I explained to him XXXX and XXXX gave me a suspense date of seven years for this public record, and could not explain the discrepancy of their-Equifax differentiation of ten years. 

Ultimately, my complaint is for Equifax to remove this derogatory public record as the other XXXX credit bureaus have done.