I read your post twice, but did not see a question. I believe you have confused the statute of limitations with the length of time derogatory information may be reported by a credit reporting agency.
Accurate negative information, such as late payments, will be reported for up to 7 years from the original delinquency date. The original delinquency date is the date the payment was first reported late. So, if you miss a payment today, it will be deleted on this date seven years from now.
There is nothing in your post which suggests the derogatory information which is being reported is more than 7 years old or that the reporting agency has done anything unlawful.
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As stated, I do not see a question here. You should seek counsel from your attorney.
Kevin King, Principal- Essential Law Services. HTTP://ESSENTIALAW.COM, 415-562-6862. The information presented here is general in nature and is not intended and should not be construed as legal advice for a particular case. This post does not create any attorney-client relationship with the author of the question answered. For specific advice about your particular situation, consult with me or another qualified attorney off-site.