I apologize if this issue has been addressed before, but I wasn't able to find what I was looking for when I tried to search for threads on it. Can an OC and their internal collections department both list on your reports? I know an OC and a CA can report, but I have a listing from an OC and another one from the same OC for the same amount under a different account number with a different DOFD which lines up with the day they transfered the account to their internal collections department. They have confirmed it is for the same paid account (over the phone so I have no hard evidence, I did it before I found these forums), but they both report as installment loans instead of one loan and one collection. I have been digging for a while to try and find an answer to this question and have even read through the various laws until the legalese was making me go cross eyed and have found no answer. If anyone has any insight or could at least point me to the section of whatever law covers it I would be most thankful.