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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?
You can dispute anything inaccurate (or accurate) on your reports. It's pretty easy to do.
@Where are you getting this info from? Have you tried annualcreditreport.com? Your real reports. None of it makes sense,