Yes, you can trust those dates as they are accurate based on the data provided to the bureaus by the creditor/collection agency. Drop off dates noted on your reports would only be innacurate if the data provided to them is incorrect - in which case you'd have to have proof of the discrepency to dispute.
The drop off is determined by the DOFD of the original debt with the original creditor, not the date the collection account was opened. So if the original DOFD was 2014, then 2021 for the collection drop off is accurate.
@Morphyyy wrote:Oh I see!!! That's what has me confused is it says account opened 2017 for both but fall off next year but it probably went into debt around 2014 but got reported to my credit report in 2017 is what you're saying?
Yes. The original creditor may have held onto the debt for years before transferring / selling to a collection agency. Sometimes, a debt can be transferred or sold to various collection agencies over the years but the DOFD never changes -- it will always be the date the original debt with the original creditor became delinquent. So even if the current collection agency were to sell the debt to a new collection agency, and that new one were to report a new collection tradeline with an open date of 4/2020, the collection would still drop off in 2021 because the DOFD of the original debt is 2014.