Consumer complaint received 2018-02-18
Company: Commonwealth Financial Systems, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are 3 credit collection companies reporting duplicate credit accounts on my credit report. I have challenged several of the accounts and they are initially removed, and then placed back on my report sometimes several more times. The three companies involved are XXXX XXXX XXXX XXXX, Commonwealth Financial Solutions, and XXXX XXXX XXXX XXXX XXXX. 

The first account is owned by XXXX XXXX for a balance of {$700.00}. This account appears on my XXXX  report four separate times. The dates the accounts were opened are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by XXXX XXXX for a total of {$480.00}. This account appears on my XXXX account twice with opening dates XX/XX/XXXX, and XX/XX/XXXX. This same account also appears on my XXXX  report 3 separate times with opening dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of TWO and THREE delinquent accounts for one debt.

The next account is owned by Commonwealth Financial for a total of {$660.00}. This account is reported on my XXXX report FOUR times with opening dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account also appears on my XXXX report FOUR times, with the same dates. This company is fraudulently reporting the same account multiple times for a total of FOUR delinquent accounts for one debt. 

The next account is owned by Commonwealth Financial for a total of {$440.00}. This account appears TWO separate times on my XXXX report. The opening dates on this account are XX/XX/XXXX and XX/XX/XXXX. This same account is reported on my XXXX  report TWO MORE TIMES by XXXX XXXX XXXX XXXX XXXX with opening dates of XX/XX/XXXX and XX/XX/XXXX. This account appears to have been initially owned by XXXX XXXX XXXX and was sold to Commonwealth Financial however both companies are continuing to report the account and both companies are reporting the same account twice for a total of FOUR delinquent accounts reported for one debt. 

The next account is owned by XXXX XXXX for {$400.00}. This account appears on my XXXX report THREE separate times. The opening dates on this account are listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This company is fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt.

And the final account is for a total of {$240.00}. This account appears on my XXXX account under Commonwealth Financial TWICE with the dates of XX/XX/XXXX and XX/XX/XXXX. This same account appears a third time on my XXXX report listed as XXXX XXXX for the same total with an opening date of XX/XX/XXXX. These are all three clearly the same account. These companies are fraudulently reporting the same account multiple times for a total of THREE delinquent accounts for one debt. 

I've attempted to challenge these accounts, but as I stated, when I challenge the account they just add it on to my credit report for a third, fourth, or fifth time.

Company response to consumer: Closed with explanation