I have disputed an account with XXXX XXXX several times with experian. The account number is XXXX. This account was closed and charged off in XXXX of XXXX XXXX XXXX has been manipulating the data to keep pushing the date of federal obsolescence forward and maximize the point loss for it. 

As you can see from the enclosed copy, they stopped reporting the delinquency just after they charged the account off and closed it. But in XX/XX/20, suddenly they report that the account was 150 days late for the month of XXXX. 

This is a clear violation of the Fair Credit Reporting Act requiring the bureaus to report the correct present status of an item or delete it. It is willful non-compliance by XXXX XXXX for manipulating data with the sole purpose of moving the obsolescence time frame forward. 

This would be a valuable case for you to publicize. How many hundreds if not thousands of XXXX XXXX customers are having their data manipulated for this reason. What is this manipulation doing for the validity of credit scores which XXXX XXXX and the bureaus promised to Congress would be " empirically derived and STATISTICALLY SOUND ''?