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On my TU, Midland Credit Management is the collections section. On EQUIFAX, it is in the accounts section, as an open account, with a $0 balance and status is 120 days past due. It is a settled in full account.
Is this affecting me differently on each report because of where it is listed?
I am in the same boat . My tu dropped 40 points, Equifax only dropped 15 points so I think they are scored differently with how they are entered.
A collection should be entered in the collection field but sometimes show up in the account section.
No matter where they are, FICO knows it is a collection and scores accordingly.
Different reports may contain different information, that is why a collection on one will have more impact than the other.