Question on how chargeoff is reporting between 2 agencies

Question on how chargeoff is reporting between 2 agenciesQuestion on how chargeoff is reporting between 2 agencies
Neila asked 4 years ago

Ok, so I have a Chase Auto chargeoff that is paid but it has discrepancies in how it is reported between Equifax and Experian.  Experian shows Jan, Feb, March 2014 as 30 day lates, with April as 60 and May as 90.  Then nothing until March 2015 where it shows Charged-off.  Equifax shows the same late payment history but with June and December of 2014 as Charge off (nothing between June and December) and January and February 2015 as Charged off.  Can they report it like this?  I have tried goodwilling and disputing with no luck.  

 

Looks like this :

 

 

Equifax

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2015 CO CO   * *
2014 30   30  30   60   90   CO * * * * * * * * * * * * * *  CO
2013 * * * * * * * * * * * * * * * * * * * * * * * 30 * * * * * * * *
2012 * * * * * * * * * * * *
2011 * * * * * * * *

Experian

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2015 * * * * *   CO
2014 30  30    30   60   90 * * * * * * * * * * * * * * * *
2013 * * * * * * * * * * * * * * * * * * * * * * * 30 * * * * * * * * *
2012 * * * * * * * * * * * *
2011 * * * * * * * *

 

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