Payment profiles start for accounts older that 2 years

Please explain how the payment profile works and what the regulations say. eg> if you had an account in arrears some 7 years ago. During this time it was listed and you could not gain credit. That i may say is being rahabilitated. Thereafter you come into some moneys and pay off the debt. Its now paid and closed. The creditor and you part ways. The creditor walks away. Why does Transunion lists a new profile for a further 2 years. Now thats twice being rehabilited. Its worse that a prison system. You cannot keep people in a situation where they cannot improve their lives. This is unfair, unconstitutional and against my human right to credit for basic services. i am being held a prisoner for accounts 8 years ago. The scoring mechanism is flawed and does not work. Its has since been paid but to no avail. ITC wants to keep you on their database , without you they will have nothing to do or data to sell. Transunion should realise that in this economy is critical to get people credit worthy to stimulate the economy. shocking