False claims by credit card companies

3 credit card companies that are reporting delinquent on my credit reports all state the date of 1st delinquency as 8/2003 then show 6/2004 and charge off as of 6/2008. When I contacted Experian and disputed this, I was told that the companies were reporting that I brought the accounts "current" then went delinquent again. I know this is not true since I was totally disabled in 8/2003 and did not have a job nor have I had one since. After Experian investigation, it shows "verified" and the 8/2003 date has been removed only showing the 2004 delinquencies. I sent letters to the original creditors (who are reporting the accounts) and 2 sent letters back stating they no longer had any info on the accounts" stating they had been referred to a collection agency in June 2008 but this collection agency is not reporting anything on my credit reports. I asked for any verification of me "bringing the accounts current" at any time. Experian says the only thing they are bound by law to remove is "late payment listings" after 7 years, not the entire account. If the original creditor is the one who is reporting to the credit bureau, are they not the ones that would have to prove this "catching up payments" thing? I know it never happened but do not know what else to do. It appears that with changing the dates of delinquencies, all these accounts are going to remain on my credit reports longer than they should. Can anyone help me, please?

Thanks everyone in advance for listening to my ramblings. lol I am sorry for going on and on but I am just so frustrated. We have a life changing event in our lives that hurts our credit, then you have companies who want to make you pay for it forever.

God Bless