A consumer becomes delinquent on January 25, 20xX, brings the account current in May 20xx, but then stops making payment after the September payment. The credit card lender charges off the account in December 20XX. Within 90 days, the credit card lender must report to the credit bureau which month and year as the commencement of the delinquency:
A. January 20xx
B. September 20XX
C. October 20XX
D. December 20xX
