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Can a debt be reported twice to the credit bureau?
July 14th, 2009 
admin 
Posted in Law & Ethics 
Tags: 3 Years, Advice, Becuase, Collection Company, Credit Bureau, Credit Card, Creditor, Ftc, Link Phone, Statue Of Limitation, Web Link
Tim
I don’t think that you owe the same bill twice. I am currently going through a bankruptcy, KY, and we only have to bankrupt the last occurence of the bill in collections. Hope that helps!
Carla
If you’ve not acutally paid the debt or had it discharged through a bankruptcy order, then it might be possible for it to continue to reappear if the account has been sold. To get the final answer on the matter, contact the credit bureau (Trans America, Experian or Equifax) that’s showing the debt and dispute it. When you dispute something on your credit report, the bureau showing the charge must contact the company that reported it and obtain supporting information. The credit bureau will then give you information based on the applicable law to indicate whether the charge continues to be valid or if it should be removed. If it should be removed, then they will do so. If not, you’ll have to actually clear it before it drops off. The websites for the credit bureaus are, and.
Patricia
You have to contact each of the three credit bureaus, Transunion, Equifax and Experian and dispute the information. They then have to investigate and correct any inaccuracies. The company who sold your account to the collection company should have it listed as such, not as an outstanding debt. In the meantime, you can have them add a line to each debt on your credit report that you contest that information and why.