credit report collection for $200 reported five times (collector, dispute, accounts)

[gohewitt]

can the collector report $200 dollars five times for one bill they have it listed as $40 dollars five times

[Pitt Chick]

$200 dollars five times OR $40 dollars five times

Which is it?

[berdee]

Originally Posted by gohewitt

can the collector report $200 dollars five times for one bill they have it listed as $40 dollars five times

If it is one single account for $200 then they cannot split the dollar amount up and report it that way.

If it is for five separate accounts of $40 each then they can report each account.

[dad2jules]

If its a doctor or a similar creditor and you went 5 times and each bill was $40 and your total was $200. You see this as a $200 bill when in actuality it is 5 separate bills for $40 each with the same creditor.

[gohewitt]

Originally Posted by Pitt Chick

$200 dollars five times OR $40 dollars five times

Which is it?

the total bill is 200 and they report it as 5 collections on my credit report of 40 dollars each for the same bill

[sean98125]

File a complaint against them with your state attorney general's office. There is probably an online form to do so at your state AG's website.

[VegasGrace]

Yes, they can report it that way. That's if EACH 40 dollars was it's own contract/bill- with a distinct account #.

[akck]

If it was originally one bill, I'd dispute all five charges.