Here is information directly from the credit agency
What’s the best way to correct negative credit information on your credit report?
Accurate negative information will remain in your credit report for seven years from the date of the late payment.
If an account is charged off and sent to collection accounts, the original account and the collection account will be deleted seven years from the date of the late payment that led to the charge off and collection. That date is called the original delinquency date and must be reported by the collection agency.
If you believe something is inaccurate on your credit report, you should dispute that information.
Disputing Errors on Credit Reports is allowed by the law - see here
Under the FCRA, both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report.
Here is Sample Letter for Disputing Errors on Your Credit Report
While you might not like that - please do not shoot the messenger..
Only if the creditor would admit they made a mistake reporting your account to the credit reporting agency - your negative item could be removed.
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