This HELOC account went into default XXXX. XXXX reports the last activity date of XXXX ( when the house foreclosed ) however, they continue to report 90+ days late as of XXXX ( 6.5 years later ). We sent XXXX credit bureau dispute letters however, XXXX has failed to fix the reporting issues. Please CFPB step in and require them to remove the lates after the account charged off. This is account is now 6.5 years old. It should be falling off my credit report all together as of XXXX. This item is reporting to mine and my husband 's reports. XXXX XXXX. 
