The Fair Credit Reporting Act states that all information on your credit profile must be reporting 100% accurately, be verified by the creditor , and report within the time guidelines or the item in question is to be updated or deleted. 


Even if the item in question belongs to you, it must be reporting accurately and be verifiable or it must be deleted. Most creditors are poor record keepers and the bureaus are notorious for reporting information inaccurately, so getting negative accounts removed is highly likely depending upon the experience level of the person or company disputing your accounts.