Community Leader
Epic Contributor
Posts: 26,021
Registered: ‎03-19-2007
Re: Will there always be an OC if there's a CA?

It is not a duplicate entry.


OCs can report activities under their account.  If they refer the debt for collection or sell the debt, the debt collector can also report their collection on the debt.

Even though they appear as "duplicate," being based on the same debt, they are in fact separate reporting of separate activities.

Really no different than an OC reporting multiple delinquencies on the same debt.


The OC can choose not to report on their account, and when a debt collector becomes involved, they make their own decision regarding reporting.

Either party can choose to report to any number of CRAs they wish, including none.