XXXX XXXX XXXX reported to Experian a new DOFD ( date of first delinquency ) for a negative account that had reached the 7 year date of removal, the account was removed when it reached the original date but then reinserted years later when XXXX purchased the loan. 

XXXX ( original account holder ) communicated the DOFD to the credit reporting agencies and by law, that date ca n't be changed!! The FCRA Compliance Date is the official beginning of first date of delinquency ( DOFD ) which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time you FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. 


It is illegal for a creditor or collection agency to change the " purge from '' date on a negative credit listing, causing it to remain on a consumer 's credit report longer than allowed by federal law. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. 
The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the " purge from '' date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7.5 years from the date of first delinquency ( DOFD ). 

I have included my credit report pages supporting the original DFOD date, I labeled the pages ( Exhibit A page XXXX and XXXX ) I have tried to remove this entry before and Experian only comes back with " we verified the information is correct '' They have never sent me the evidence that supports the DOFD now listed on the credit report. 
