Well, I don't know where you got the notion that just because "1" shows on Experian's buggy website that Chase sees the same thing when they get the report in a different (presumably machine-readable) format.

Go to www.annualcreditreport.com and request your Experian credit report there. There it shows different numbers for the "opened on" day of the month, not a consistent "1".

So IMHO since this proves that Experian's report may be shown differently depending on how it's obtained, how can you know that there are only two versions? How can you rule out the possibility that there might be a third version (in the presumably machine-readable format the Chase gets) which leaves off the day of the month completely? You don't get your credit report in the same machine-readable format that Chase does, do you?

Btw, I got a 2014 Experian report from annualcreditreport.com too (which I saved as a PDF printout), and I just compared it to the one I got today, and the one from 2014 only showed the month and the year for the "opened on" date. So such formats do exist out there, and how can you prove that Chase doesn't get it in that format, or put it into that format for its own internal use? (For example, what if Chase is using credit report processing software written 4 years ago when only the month and the year was shown for the "opened on" date. In that case, Chase itself could be throwing away the exact day of the month, couldn't they?)