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What do you do if you have inconsistent information reported from a creditor?

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Phoenixleigh
New Visitor

What do you do if you have inconsistent information reported from a creditor?

I have an account being reported to all three CRAs that claims the account was opened on 8/18/2020 but on experian it says the date last active is 08/01/2020 which is before the account was ever opened? It also claims the account is closed wheras the other CRAs claim it is open. None of the CRAs have a date of last payment and all 3 report the installment term is 1 month (which makes no sense at all. The only balance and high balance are all the same slightly over $1,000 yet the monthly payment is reported as 0.00

 

The only 2 CRAs that are showing the reported payment history also have conflicting information one claiming only 6% of payments were on time and the other reports 65% of the payments were on time. 

 

Is this something I can dispute using the the information provided within the credit report itself?

 

 

 

2 REPLIES 2
ptatohed
Senior Contributor

Re: What do you do if you have inconsistent information reported from a creditor?

You can dispute anything inaccurate (or accurate) on your reports.  It's pretty easy to do.  

[Until I can make a pretty signature, here’s an updated draft]

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FireMedic1
Community Leader
Mega Contributor

Re: What do you do if you have inconsistent information reported from a creditor?

@Where are you getting this info from? Have you tried annualcreditreport.com? Your real reports.  None of it makes sense,



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