There is an item on my Credit Bureau reports that is from Citicards showing a charge off. I have requested numerous times for an itemized breakdown of all charges and credits a copy of the application and who made the charges. Have never received a response. The account is now out of statutes. Texas statutes is 4 years the date of last payment is XX/XX/2011 I called citicards today and offered them a settlement and they refused any money for a settlement because the statutes had expired!!! they informed me that the listing on the credit bureau length of time is up to the Credit bureaus. I called XXXX and the told me 7 years. 
The problem is Citicards refuses to settle and I cant get the credit bureaus to remove until after 7 years. seems only right to me that if the statutes have expired and Citicards refuses to settle, the entry on my credit bureau reports should be removed -- please help. 
