Best Buy RZ MC duplicate reporting

[IvDogg]

Hello All,

I've been a Best Buy RZ MC holder since 4/2011 (I know it's not the best card, but at the time I was doing some major rebuilding)...

I only recently found out that the card was sold from Capital One to Citibank on or around October last year...

Upon reviewing my credit report I found that it's being reported both by Cap One and Citibank:

Cap One, Opened 4/2011, Closed 10/2013.

Citibank, Opened 4/2011, Currently Open.

Same account number.

For the Capital One account it reports my credit history for the period that Cap One owned it, to include 2-30 day lates, and 1 60 day late.

For the Citibank account it reports only the history since it was owned by Citi; blemish free.

Do I have a legitimate dispute to have the Capital One account removed as two creditors are reporting the same account?

If so, who do I dispute this with?  CRBs? Cap One? Citibank?

Thanks everyone.

[IWOL]

I will just say be very careful with this one. I had the same sitution with both accounts reporting and I disputed the Cap 1 tradline and it caused all kinds of crazy stuff to happen.

After disputing the Cap 1 tradline with EQ, somehow they automatically put the Citi tradline in dispute as well. Then EX, did the same thing without me even filing a dispute with them.

I had to call both to try and fix it and even though I explained what had happened they insisted that I needed to dispute the dispute. After many long  converstions with 3 blithering idiots I got tired and gave up.

I now have the Cap 1 tradline reporting twice on EX and EQ, one says transferred and one says open plus i have the citi account reporting as well.

[IvDogg]

I know what you mean, I already tried disputing it via mail by sending a standard dispute letter saying it's inaccurate...  Then both account went into dispute, I didn't get anymore duplicates as a result.

I think I'm going to try disputing it again, but I'm going to call in the dispute to those executive resolutions numbers so someone with a little more experience is hopefully handling the call....

I'm also going to send a bunch of letters towards Capital One regarding this, hopefully something will work.

[IvDogg]

Does anyone know for sure if the way it is being reported qualifies as a valid dispute?

[gdale6]

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@IvDogg wrote:

Does anyone know for sure if the way it is being reported qualifies as a valid dispute?

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It is a most unconventional way of reporting for an account that is sold to another bank usually the TL is just changed to the new bank s name and that it is the end of it. I would not dispute it I would write a letter to the EO of Cap-1 asking it be  removed as a duplicate of your Citi account that is also reporting.