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Why two creditors still shows the credit?

Creditors in 1993 included two showing personal bankruptcy and closed in early 2009 in my report, with an added note of "Chapter 7 bankruptcy" and an estimated date of the removal element 7 my record. Is it this an error from the office or the creditor? If this contest?

Sounds like an attack, by collecting agencies were serving illegally old accounts again. By Fair Credit Reporting Act is entitled to request written validation of negative entries on your credit report. This law, which must validate the item (s) within 30 days or remove them from your credit report. Send a letter by certified mail, return receipt to all three credit bureaus (Equifax, TransUnion and Experian). Attach a photocopy of your driver's driving and social security card … If you do not understand, they can write back to ask, that would slow the process of several weeks. For each negative element, write a separate letter and simply include the phrase by the Fair Credit Reporting Act, I request written validation reporting within set allowed by the Fair Credit Reporting Act This item was included in the Chapter 7 filing in 1993 and the other hand, this notation can stay for 10 years. Counselor reported that this element beyond the period authorized by the Fair Credit Reporting Act

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