Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bonded Collections of Rice Lake Inc
State: WI

Complaint narrative:
Bonded Collections Of Rice Lake WI is reporting to the credit bureaus the same accounts that are included in a judgment they have against me. This is making it appear as though I have More derogatory remarks than I really should have. This is proven when looking at my recent credit report from XXXX and XXXX XXXX because the amount that these bureaus are reporting is significantly higher that the amount that Bonded is requesting that i pay them. The amounts are as follows XXXX has the accounts totaled at {$13000.00} ( this report is also a couple month earlier than the latest bill from bonded i have received and does not include the incurred interest ) and YET it is still higher than the amount of {$11000.00} that bonded is showing that I owe. The ONLY explanation of this occurring is because Bonded is knowing reporting collection accounts that they know are included in the XX/XX/XXXX judgment account. I have followed the steps recommended by this website and brought this matter to the attention of Bonded and the credit bureaus. Account number XXXX is included in the judgment account numbered XXXX I have been able to have the smaller amounts included in this judgment removed from two of the credit bureaus but not XXXX at this time account number XXXX, XXXX, XXXX, XXXX have been deleted by XXXX and XXXX because of online disputes reason Inaccurate information but at this time Bonded is refusing to admit that account numbered XXXX is also included in the judgment and is fighting to keep it double listed on my credit reports. They are reporting it as two separate accounts at this time. Making extra derogatory remarks appear on my credit reports. XXXX XXXX XXXXXXXX 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? 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. At this time I am including copies of My XXXX and XXXX  reports from earlier this year as you can see if you add the amounts of the accounts Bonded is reporting it is significantly higher that the amount on the most recent itemized bill they sent me on XX/XX/XXXX - Which again can only be possible if the same accounts are being reported to the credit bureaus more than once. Also as a side note When I called they were very rude to me. I told the lady answering the phone that i had concerns regarding inaccurate information and her first words out of her mouth were " Are you going to make a payment arrangement? '' As if i was going to pay them while these glaring conflicting amounts between what they are reporting and what they are asking for is unsettled. I was also told by the ceo XXXX XXXX that my personal life ( meaning the fact they are messing up my credit reports knowingly reporting inaccurate information was " Just Business '' to him.

Company response to consumer: Closed with explanation