Equifax - Changing When Lates Occurred

[Scuba]

I refreshed my EQ CR today and I see they moved all my lates on 2 trade lines by 2 months, for example a 30/60/90 late reporting went from April, May and June to June, July and August.    Obviously one of the lenders was Citi - a pain to deal with on this kind of stuff.

They did this for all lates from 2013 to 2015 on both lines.

What the hell? 

I thought a late was a late, you can't go changing when the late happened just because they are ready to fall off?

Has this happened to anyone else on EQ.  I will pull my free annual CR from EQ in about a week but this is nuts.

[Anonymous]

Was the account a CO or collection?

Is it paid?

[Scuba]

One was late not a charge off,  and the Citi was paid-in-full in the month is was charged off.  The money crossed paths with the reporting to the Credit Bureau. 

The data is obviously wrong but I don't think I want to challenge it because it will really get messed up. The creditors will simply mark every month late then I have to fight that battle and that takes time.

I think I might wait a couple of months, then if they do it again, not challenge with the CB but simply send a letter to the States AG and see if that gets me any action.  

[RobertEG]

The issue is obviously when the lates actually occured.

If reported incorrectly in the past, and their update now correctly reflects when they occured, they can always correct reporting so as to make its accurate..

It is not per se a violation of the FCRA to have reported inaccurately, provided it was not done wilth knowledge at the time of its inaccuracy.

Upon discovering an inaccuracy, they are required under FCRA 623(a)(2) to provide a timely update to make their reporting accurate.

A dispute would require your account records to support a challenge when a delinquency actually occured.  What are the factual dates of occurence?