Furnishers of information (i.e., creditors and debt collectors) are not the ones who determine whether information is or is not included in your credit report.
The FCRA places that obligation on the credit reporting agencies.
The furnisher is resonsible for accurate reporting of derogatory information. It is the reported date of delinquency for a monthly delinquency or the reported DOFD for a charge-off or collection, for example, that is then monitored by the CRA for determinatin of when then must cease inclusion of the adverse item in subsequent credtt reports they issue.
If the relevant date of an adverse item is correctly reported, then the credit report exclusion date is fixed by statute and must be complied with by the CRA.
That may be 7 years, or it may be longer, depending upon the type of advierse information being excluded.
However, it is possible that a creditor could correct or reinsert a reporting of an adverse item, thus adjustng the ultimate exclusion date.
It is not, for example, improper to correct a reported DOFD it is was initially inaccurate.
However, it is a violation to change a reported DOFD to a date that is knowingly inaccurate, thus extending its credit report exclusion date.
