The problem with bonded collection 's reporting is that they are reporting COLLECTION ACCOUNTS that have gone to JUDGMENT in XXXX They are reporting these accounts as OPEN and not reflecting that these accounts are INCLUDED in the XXXX  JUDGMENT This is having a NEGATIVE IMPACT on my credit report TWO TIMES for the SAME ACCOUNT. This has been going on since the judgment in XXXX - This is also why it appears that ( On my credit report ) I owe {$13000.00} and bonded 's bills is for {$11000.00} ( and this amount is including two accounts that are old and have fallen off of my credit report ) And still the amount Bonded is asking for is lower than the amount that is affecting my credit score ) In my last complaint XXXX you will see this company FAILED to address why the amounts on my credit report are higher than the amount they are asking for. Because they have been reporting it as open and not reflecting that these accounts are included in the XXXX JUDGMENT. XXXX XXXX XXXX XXXX XXXX XXXXl Ask CFPB Credit reports and scores UPDATED XX/XX/XXXX Some of my debts are listed multiple times on my credit report. What should I do?
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If the same debt is listed multiple times ( possibly with different names ) you should dispute the multiple listings with the credit reporting agency and the original creditor or furnisher that provided the information to the credit reporting agency. A multiple listing is not a harmless error. It will likely lower your credit score and lead lenders to give you loan offers with higher interest rates and less favorable terms.
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I would also like to at this time address the SLANDEROUS accusations made by XXXX XXXX in his companies previous response. Number 1. At no time have i said that i quote " Am not interested in paying '' this alleged debt '' I did however express that I wont be paying while there is inconsistencies in the amount being reported by the credit bureaus and the amount being request by Bonded. Number 2. I was not warned " Multiple times '' about profanity. I did at one time say something was XXXX and was told that the call was a business call and I had to remind XXXX that this to me is a Personal call and that I am not the one at work he was. I know the calls are recorded by bonded and hope they are kept as record so that he may review them and see I never said I had no interest in paying anything.
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I hope the team at Bonded Collections understands That I am not trying to do anything other than report the facts and my side of the situation when I send these complaints to CFPB. I would be happy to speak with their company but they have already started to lean towards accusing me of excessive profanity and I 'm sure " Harassment '' will be the next accusation made because I am seeking answers to my questions. The team at bonded has already stated " they feel the mater has been addressed '' and I obviously feel it has not been. So i do n't see any reason to contact them directly at this time. I also feel like Bonded is not interested in being paid and They are only interested in doing as much damage to my credit report as possible even if that means listing accounts as open when they should be listed as changed to judgment. They are not reporting the correct TradeLine and are reporting old and outdated information from before the Judgment in XXXX. Please note This is probably going to be my last CFPB complaint about this issue. I just want to get a bit more clarification on some of the aforementioned questions and concerns before moving this matter forward.
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Every other person besides the team at bonded that I have spoken to ( Including multiple staff members at the CFPB ) have said that a collection account is not allowed to impact your credit score more than once.