One derog listed 3 x on CR?

[CreditFromHell]

There are three different listings for the same derog on my Credit Report. Here is an example of what I am talking about:

First listing is MIDLAND, Acct # 11111, is listed on my CR with DLA of 11/00 and date reported of 02/07.

Secong listing is MIDLAND CREDIT MGMT, is listed with same acct # but with date reported as 03/07 and late dates of 9/06 and with the statement: Collection Client: Fairlane Credit Placed for collection

Third listing is FAIRLANE different acct#, Date reported 04/06, DLA 03/01, Late Dates 04-5/2001. AMOUNT IS ORIGINAL LOAN AMOUNT PURCHASED BY ANOTHER LENDER UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR AUTO LOAN

Question: Does each listing effect my credit score and shouldnt the first one fall off by the end of this year and the third one by middle of 2008? I am in the process of sending off my DV letter for the second one. Am I doing the right thing since the second one will not fall off anytime soon?

Help!

CreditFromHell

[swtguy]

Assuming that these are all for the same account:

1. Only one entry should appear for Midland.

2. The CA is required to use the same DOFD as the original credit.

3. All entries related to the same account are required to fall off your report no later than 7 years and 180 days since the DOFD.

[divemedic]

and the first collection is the one that hurts most, after that they still cost points, but not as much.

What I do is dispute all of the tradelines that pertain to the same debt. When they come back verified with unmatching information (even if the TL on EQ does not match the one on TU), they just violated 15 U.S.C. § 1681s-2(, which states:

( Duties of furnishers of information upon notice of dispute.

(1) In general. After receiving notice pursuant to section 611(a)(2) [§ 1681i] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall

(A) conduct an investigation with respect to the disputed information;

( review all relevant information provided by the consumer reporting agency pursuant to section 611(a)(2) [§ 1681i];

© report the results of the investigation to the consumer reporting agency;

(D) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis

after all, if the tradelines don't all match IN EVERY DETAIL, then they cannot be "complete and accurate." Since they just verified an obviously inaccurate tradeline, that is prima facie evidence that they violated the law. In that case, I would file FDCPA (false and misleading statements) and FCRA lawsuits, naming both CAs as defendants.

[CreditFromHell]

I will dispute all three entries with the CRA's and let you all know how it goes.