Equifax and Duplicate Accounts

[rwhite59]

EQ is reporting the same accounts multiple times. They have my mortgage reported five times, same account nuber everything. I have disputed these as duplicate accounts several times and it seems like everytime I dispute they add another duplicate account. I called them today and convientely got disconnected. Any suggestions.

[IOBA]

Would you copy and paste what is showing up on your credit report, for all of the duplications plus original loan?   Thanks. 

[rwhite59]

Chapter 13 has been discharged and this account has been paid. We closed on the sell of this hous on 091609 . There are other accounts that are being duplicated also.

Mortgage Accounts Show All Account Details   Mortgage accounts include first mortgages, home equity loans, and any other loans secured by real estate you own.

Open AccountsAccount Name Account Number Date Opened Balance Date Reported Past Due Account Status Credit Limit
CHASE 
Show Details 465129507X
XXX 09/2003   $121,4
75 07/2009   $0   n/a $0  

Closed AccountsAccount Name Account Number Date Opened Balance Date Reported Past Due Account Status Credit Limit
CHASE 
Show Details 129507XXXX   09/2003   $121,1
00 09/2009   $0   WAGE EARNER PLAN $0  
CHASE 
Show Details 465129507X
XXX 09/2003   $121,2
88 09/2009   $0   WAGE EARNER PLAN $0  
CHASE 
Show Details 465129507X
XXX 09/2003   $121,2
88 09/2009   $0   WAGE EARNER PLAN $0  
CHASE 
Show Details 465129507X
XXX 09/2003   $121,2
88 09/2009   $0   WAGE EARNER PLAN $0  
CHASE 
Show Details 465129507X
XXX 09/2003   $121,2
88 09/2009   $0   WAGE EARNER PLAN $0  

[IOBA]

Thank you for posting what is on your credit report.

If it were me, I would photo copy the duplications, highlight them, send them in with a dispute form/letter to the CB.  Send it CMRR.

They should respond within 30 days.

[AndySoCal]

You could also call Chase and tell what the problem is.  They may be reporting the account multiple time for some unknwn reason.  If so should be able to fix it

[rwhite59]

I called Chase and they say they are not reporting duplicate accounts, and the kicker is I have several other accounts reporting this way. Chase is just one example

[angie204]

I have the same problem with a JCPenney account.  It is reporting six times one one of the reports, four times another, and twice on another (each with a zero balance, but a derogatory).

I disputed with the credit agency (online) and asked them to remove the duplicates. They responded with a standard debt validation.  Duh...I knew the account was mine, but I only had one account.  I called GEMB about it and the representative said she would send notice to all three agencies, asking to remove the duplicates.  That was three weeks ago...so far they are still there.

Since I hope to close on my house tomorrow, I've left it alone for now.  However, if the information is not corrected in another three weeks, I do intend to dispute by mail, with the duplicates highlighted.  Hopefully that will get me somewhere.

[Anonymous]

Were you ever able to get the duplicates removed?  I have the same problem with my Chase credit card being reported twice every month so it lowers my FICO due to amount of debt.