Michigan Duplicate Account Entries Lawyer

Credit report errors can have serious consequences for your financial health, and one of the most frustrating and damaging mistakes is the appearance of duplicate account entries. These duplicate entries can misrepresent your creditworthiness, lower your credit score, and make it harder to access the credit you deserve. A Michigan duplicate account entries lawyer from Lyngklip & Associates is here to help you identify, challenge, and remove these errors, ensuring your credit report is accurate and compliant with federal law.

Why You May Be Seeing Duplicate Account Entries

One of the most common credit reporting errors consumers see on their credit files is duplicate reporting of a single account. There are a number of valid reasons why an account might properly appear twice on a credit report such as:

• Similar account numbers, which may look like the same account.
• Transfer of accounts to another creditor.
• Student loans may be reported in multiple accounts according to the disbursement dates of funds.
• Sale of an account to a debt collector.
• Lost or stolen credit cards resulting in the closing of the original account and opening of a new account.

While there are legitimate reasons why a duplicate account may appear, errors by banks, collectors, and credit bureaus can also be the cause of duplicate reporting that is inaccurate and should be removed. Here are the rules that govern duplicate reporting:

1. The same debt should only appear as owing and collectible once on your report, no matter how many hands it goes through.
2. If a debt is transferred, the balance of that debt should be transferred to the new servicer, collector, or creditor.
3. After the transfer, the balance on the originating entity should be zeroed ($0.00) out.
4. The payment history can remain on the originating entity’s account, but the status should reflect that the account has been transferred.

If you believe that a credit bureau has improperly put the same account on your report twice, contact us. Our attorneys can evaluate whether you are a victim of illegal, duplicate reporting.

Remove Duplicate Entries on Your Credit Report

The most common consequence of reinserted credit information is credit damage. People who suffer from duplicate account information won’t be likely to get the credit they have earned and deserve and can spend countless hours trying to correct the credit bureau’s mistake. Our experience shows that once a consumer brings a lawsuit over a duplicate credit item, the credit bureau will begin to look more seriously at the issue and will resolve credit reporting errors in order to avoid a judgment.

Our attorneys sue these credit bureaus whose shoddy work harms consumers and damages their credit. Our attorneys know how to recognize duplicate reporting and have been offering service to Michigan mixed file victims for over 20 years, and we can help you restore your credit. If you need duplicate credit information permanently removed from your credit reports and your credit restored, contact us now for a free consultation.

Your Attorney’s Fees Paid by the Credit Bureaus

Federal law provides reinsertion victims with the right to attorney’s fees for restoring their credit and fighting the credit bureaus. If you have previously deleted credit reappearing on your credit report, your fees are paid by the other side, and we charge nothing unless we can get a recovery for you.

Follow Up and Monitoring

After your case is done, we will help you to regularly check and monitor your credit report, with a free annual review of your credit reports to ensure that you stay free of duplicate account information. We will help make sure that your credit file remains free from the deleted information.

Common Cases

You may have a case under the Fair Credit Reporting Act if you notice the following things on your background report:

• Fraudulent identity theft accounts on your credit report.
• Someone else’s Information on your credit report.
• Paid accounts still showing a balance due.
• Reporting your accounts in good standing as charged off or in collections.
• Discharged debts still reporting as owed.
• Paid tax lies showing as still owed.
• Derogatory accounts more than 7 years old still on your report.
• Previously deleted accounts that have been reinserted on your report.
• Duplicate reporting of the same account.

If you would like help with one of these problems, contact us today.

Contact a Duplicate Account Entries Lawyer in Michigan

If you have a duplicate credit account appearing in your credit report or credit file, our firm can help. For more than 20 years, the law firm of Lyngklip & Associates has represented reinserted credit victims and has been a resource for Michigan consumers who need the help of an experienced credit report attorney.

To learn more or to schedule a free initial consultation with a Michigan duplicate account entries lawyer, contact us today.