There's your problem, the formatting in your file is bad.

The output of that command should have looked like this:
As I asked before, how did you make this list?

I don't know when mapfile was added to bash, I'm using this version
Here's how to do it without mapfile
IFS is bash's Input Field Separator, the value $'\x0A' makes it be only a newline, google ANSI-C quoting
x=($(cat < fred.txt)) creates the array x
you still need to set y as before to the number of items in x, but as I'm using the same terminal its still there for me.
IFS=$'\x20'$'\x09'$'\x0A' resets IFS to its default values, any one of space, tab or newline.

Bash is a delightfully arcane language. If you need a tutorial for it, try http://mywiki.wooledge.org/BashGuide or http://www.grymoire.com/Unix/Sh.html
The second one is a subset of bash, but as a single page it is easy to download and use offline, as it only references itself.

I think these suggestions are getting needlessly complex. The problem is the formatting in his file, as evidenced by post #14. More intricate and complicated ways of calling chage which still depend on newline-separated fields in the file aren't going to help matters, because his file is apparently not newline-separated...at least not properly.

We need to go back to the source - how was the file created, and why does it not look like what any of these scripts expect? If that can be resolved, I think almost any of the solutions already posted in this thread will work fine.

Just my thoughts on the matter...

I tried:

for ((i=0; i<y; i++)); do chage -l ${x[$i]} >> test.txt; echo "Above Entry for User ${x[$i]}"; done

which produced nothing. Not even an output file. Again I appreciate your help.

Then I think you should check the format of your input file, as others have suggested. A hex editor (bpe is a command-line hex editor often installed by default) will show you explicitly how each line is terminated. In a unix type file, each line should end with the hex character '0A', e.g.
? in bpe accesses its help pages

so bpe doesn't exist on my system. The file was created from an ls -l > userlist.txt and then opened in excel, deleted what I didn't want and saved as a text file. Once transferred back, I checked it with vi.

vi will also work as a hex editor

Why all those steps? The excel part is almost certainly your problem. Try not to edit linux files in windows if at all possible, Windows likes to take over and mess everything up.

In the mean time, try running "dos2unix userlist.txt", and then re-run the test you did in step 14.

Thanks everyone. I found a post by Ricky_ds that came at the problem from a different angle and I ran that to an output file and I have everything I need. Again I appreciate all your time. Still not sure why this wouldn't work, but I have what I need. Just changed the location of the users and it's all good.

#!/bin/bash

formatDate() {
date +%d"."%m"."%Y -d " $1 day"
}
padr() {
string="$1................................................"
echo "$string" | cut -c1-$2
}
length() {
length=`echo "$@" | wc -c | cut -c1-8`
length=$(( $length -1 ))
echo $length
}
padl() {
string="................................................$1"
length=`length "$string"`
echo "$string" | cut -c`expr $length - $2`-$length
}

if [ "$#" = "0" ]; then
echo
echo "List of user accounts with password information"
echo "==============================================="
echo `date`
echo
echo "Legend: M=Minimum password age W=Warning in days before exp"
echo " Dis=Account Disabled"
echo "------------------------------------------------------------------------------------------"
echo "Username |Full name |UID |LastChange|M|Max |W|Passwd Exp|Dis |Acct Exp "
echo "----------|-------------------------|-----|----------|-|-----|-|----------|----|----------"
fi

sort /etc/passwd |grep ":/home/" | awk -F":" '{print}' |\
while read line ; do
name=`echo -e $line | awk -F: '{print$1}'`
uname=`cat /etc/shadow | grep -r "^$name:" | awk -F":" '{print}'`
thisuser=`echo -e $uname | awk -F: '{print$1}'`

if [ "$#" = "1" ] && [ "$1" = "$thisuser" ] || [ "$#" = "0" ]; then

a=`echo -e $uname | awk -F: '{print$3}'`
b=`echo -e $uname | awk -F: '{print$4}'`
c=`echo -e $uname | awk -F: '{print$5}'`
d=`echo -e $uname | awk -F: '{print$6}'`
e=`echo -e $uname | awk -F: '{print$7}'`
f=`echo -e $uname | awk -F: '{print$8}'`

uid=`echo -e $line | awk -F: '{print$3}'`
fullname=`echo -e $line | awk -F: '{print$5}'`

now=$(( ($(date +%s) / 86400) ))
pass=$(( $now - $a ))
last=`formatDate -$pass`

if test "$f" != "" ; then
next=$(( $f - $now ))
exp=`formatDate $next`
else
exp=`echo NEVER`
fi

pexpt=$(( $a + $c ))
pexpt=$(( $pexpt - $now ))
pexp=`formatDate $pexpt`

if [ "$#" = "1" ]; then
echo
echo "===Information for user $name==="
echo "Full name: $fullname"
echo "User ID: $uid"
echo "Password last changed: $last"
echo "Minumum password age: $b"
echo "Maximum password age: $c"
echo "Password warning age: $d"
echo "Password expires on: $pexp"
if test "$e" != "" ; then
echo "The account will be disabled *$e* days after expiration"
fi
echo "The account expires on: $exp"
echo
else
name=`padr $name 10`
c=`padl $c 4`
if test "$e" = "" ; then
e="."
fi
e=`padl $e 3`
exp=`padl $exp 9`
fullname=`padr "$fullname" 25`
uid=`padl $uid 4`
echo "$name|$fullname|$uid|$last|$b|$c|$d|$pexp|$e|$exp"
fi
fi

done

As per suicidaleggroll; that was exactly my reaction as well