Update to original post. Ok I have all 3 CR that was done on 1/29/2008.   Equifax report on 1/29/2008 says Negative accounts 0 Collections 1 but these 3 collections are showing on my report. The $487 collection that looks like a duplicate has 2 different account numbers one with hospital (date of 1st delinquency 10/2001) and one with CA with creditor as hospital ( date of 1st delinquency 10/2001 )  Equifax score was 642 on Jan, 29 2008 also.

 

Transunion report on Jan 29, 2008

$219 medical placed for collection on 7/2002 estimated date item will be removed 8/2008

$487 medical placed for collection on 8/2002 estimated date item will be removed 9/2008

 

$111 medical placed for collection on 6/2001 estimated date item will be removed 5/2008

This isn't one isn't one any other report. Could they be reporting wrong amount on equifax and making it look like a duplicate collection?

 

Experian

$219 medical  Date opened 7/2002 scheduled to continue on record until 6/2008