Duplicate Debt in Credit Report

If you have been the victim of double debt reporting, this can prevent you from securing new loans.

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Duplicate Debt

If you find erroneous information in your credit report, then it’s your right to have it removed. Otherwise, you may get unjustly blacklisted from receiving more loans or credit facilities. Consumers with inaccurate credit reports may also have to pay much more interest over their credit history. Several occasions may result in people having duplicate debt reports on their credit history. If you find a double debt entry in your credit records, one of these scenarios may be liable: 

  • Duplicate reporting by a Creditor and Collection Agency 
  • Duplicate Collection accounts for the same bill
  • Co-Mingled Credit Reports

The impact of a duplicate—or multiple times repeat of—debt reports could be life-changing. Moreover, credit reporting inaccuracies could prevent you from getting a dream job or making some significant life movement. If you discover these credit reporting inaccuracies, then we think you need an experienced FCRA attorney.

A victim of duplicate debt reporting needs to claim damages. And that’s where hiring an experienced legal professional becomes necessary. At McCarty & Raburn, our experienced credit report attorneys are one call away to help you handle your duplicate debt reports. Whatever the situation is, we’d like to help you when you possibly couldn’t get it done alone.

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The three major credit reporting agencies produce credit reports and scores based on the information in a consumer’s credit file. Sometimes, information not belonging to you may appear on your credit report. This inaccurate information could include credit applications or denials not belonging to you, or the information could be more personal in nature, such as an inaccurate social security number or date of birth. Additionally, you might see collection accounts or credit cards on your credit report that do not belong to you.  Inaccurate information appearing on your credit report could imply an identity theft issue or that the consumer’s file has been mixed with that of another person. File mixing occurs when information that should appear on one consumer’s credit file is erroneously placed on the credit file of another consumer. Unfortunately, file mixing issues can be very difficult to correct and more common than you might think. One credit reporter estimates that up to six million Americans have mixed credit files. 

It is your responsibility to verify the accuracy of your credit report. You can do this by checking your credit report regularly. If you notice inaccurate information on your credit report, you should consider hiring an attorney. Consumers that have suffered damages because of a mixed credit file, have the right to make a claim for damages in Federal Court. Our law firm can help. With a combined 37 years of experience, our attorneys at McCarty & Raburn, A Consumer Law Firm, PLLC, have successfully represented victims of credit reporting errors.

We Litigate Inaccurate Information on Your Credit Report

Get a Free Copy of Your Credit Report

Due to the COVID-19 Pandemic, everyone in the United States is now entitled to one free credit report from each of the 3 credit reporting agencies per week. Annualcreditreport.com is a free website set up by the three major credit reporting agencies per the request of the federal government. McCarty & Raburn is not affiliated with this website in any way and cannot guarantee its security since we do not have any control over it.


*We are not affiliated with Annual Credit Report*

Credit Reporting Errors Can Be Life-Changing

An inaccuracy on your credit report could mean:


  • A Denied Mortgage Loan
  • A Denied Car Loan
  • Higher Loan Interest Rates
  • Inability to Get a Credit Card