Ally Financial formally knows as XXXX is placing the wrong XXXX delinquency date on my credit report in an attempt to keep this account on my credit report for much longer than allowed by law. All reporting agencies XXXX, XXXX & XXXX show the first delinquency date as XXXX, not XXXX. 
The Law states : Collection accounts and charge-offs ( those the creditor writes off as uncollectible, aka charge to profit and loss remain on file for seven years ; reporting commences no later than 180 days from the beginning of the delinquency rather than on the date of any subsequent action. So if there are multiple delinquency dates ( i.e., a consumer went delinquent, went current and then went delinquent again ), the date of the first delinquency is the one that will apply. The running time ( reporting period ) can not be reset by subsequent payment or for any other reason, in any state, except with certain student loans. 
