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Public record information inaccurate. I applied for a XXXX Credit card and was denied credit. I immediately called the XXXX credit card department at XXXX and spoke with XXXX, got disconnected and later spoke with XXXX, both on XXXX XX/XX/2019, at XXXX XXXX through XXXX XXXX I asked XXXX for the main reason of denial for the credit card. She stated I had an 18-year-old Bankruptcy against XXXX, that account in question was charged off through the bankruptcy as bad debt, however, XXXX XXXX XXXX recovered most of the money through federal subsidies. Furthermore, it is against the Consumer Credit Protection Act of 1968. to use information no longer listed on my current credit report. I told XXXX that I was only looking for a {$2500.00} credit limit and XXXX had no business using old records