Collector is attempting to re-age a XX/XX/XXXX debt by reporting to credit bureaus that it was opened in XXXX XXXX and to make matters worse reporting that the account went into default in XXXX XXXX, moreover they also claim that the first date of delinquency occurred XXXX XXXX. The the payday loan was originated in XX/XX/XXXX but XXXX solutions has re-aged the account and has confirmed the above dates to all XXXX credit bureaus. They have also claimed that they just found me in XX/XX/XXXX XXXX solutions is in clear violations of FDCPA. I have contacted all XXXX Credit bureaus regarding this matter and XXXX and XXXX and they have failed to abide by the policy in place to prohibit such reporting. I would like this erroneous item to be removed by both bureaus. I have went through the steps of contacting the bureaus but they have just taken the word of the collection agency.