Can a CA backdate a collection acct? PRA added a new collection this month. EQ is reading it as if it was added 5 months ago, as my most recent collection. They didn't even own the acct 5 months ago. They also noted the acct as 120 + days past due. The acct was settled prior to reporting and reported with a balance. The balance was updated today 9/26 to $0 - acct settled for less than full amount.
How can current status be 120 + days late but nothing for 30/60/90?
How can the date opened be June 2013 and Date of Last Activity be September 2011?
What can I do to get rid of them? They are driving me crazy.
Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555