I seriously doubt you should be worried. Heart rate monitors aren't all that reliable at times and there are a lot of different factors in a work
Another dissenter. I do HR training with the 305 and it's accurate. I caught a virus a while ago which developed into viral myocarditis. I could tell immediately - shortness of breath, increased HR, chest pains etc.
If your daughter has no symptoms and is able to speak while exercising, then it's more a case of using a dodgy formula (as M...eldy said) rather than a dodgy HRM. If I used some of the formulae available, my max HR would come out in the 160s, when it is in fact 197.
If you have concerns, by all means see a GP, but at the same time, check out some of the more reputable HR training advice that's around - if you're going to use it, you'll need to calculate the actual max HR which can only be done by doing a road test - not by using the calculator!