Duplicate Entries on credit report

Both can report as long as they do it accurately. If they follow the rules, you may NOT be able to get it off if they choose not to remove it.

Your query has been replied to in the given page: http://www.debtconsolidationcare.com/Dealing-With-Collection-Agencies/Duplicate-listings.html . Please take a look at it. I hope it will help you.

The only way to fix this problem is to pay off the debt. If you can pay off the debt in full, then you can ask them to update your account status as "Paid in Full". You can request them to delete the item from the credit report. However, they can refuse to delete the item from the credit report.

Yes it is legal for both the creditor and the collection agency to report the debt on your credit report. The credit bureaus list the debts as per the reports of the creditors and the collection agencies. The listing by the creditor will drop off after 7 years from the first date of listing. However, the creditor too is supposed to report the account as charged off. So, I think you need to talk to the credit bureaus about this and get the whole thing fixed. You will have to request them to update the status as "charged off".

Hi Sweet,
The double entry by the OC and the collection company/buyer is permissible. The OC must show a zero balance and you say that is the case. The collector/buyer can report the trad line with the balance owed.
The collector/buyer will often report the date of last activity (DOLA) as the date they got the account and even sometimes update that date in the future, using some date they pulled your credit as part of collection review. Resetting of the DOLA to anything other than the date you last paid the original creditor is impermissible.
If you settle the account, be sure that you go back and clean up any DOLA discrepancy with the CRA's so that both entries fall of 7.5 years from the date you last made a payment to the OC.

Best of Success!