I am looking for information regarding credit counselling and bankruptcy law in canada. Gained access to my credit

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Customer: I am looking for information regarding credit counselling and bankruptcy law in canada
JA: Have you talked to a Canadian lawyer about this?
Customer: No
JA: What steps have you taken so far?
Customer: Gained access to my credit report and attempted to verify some of the collections
JA: Anything else you want the Lawyer to know before I connect you?
Customer: I am just looking for information regarding an old cell phone bill I had years ago I have been trying to improve my credit score, but it appears both the original creditors balance and the collection agency are both reporting the same debt.
Answered by Debra in 7 hours 2 years ago
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Debra
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Debra
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Debra, Expert

Hello and Welcome to JustAnswer. My name is***** will be working on your question today and I am looking forward to our conversation.

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Debra, Expert

I am sorry to hear of this difficult situation.

When did this cell phone account go into default?

Customer
The cell phone wenninto default on may 2017
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Debra, Expert

So are you saying that when you check your credit reports on Equifax or Trans Union you see the same debt twice as it was first reported by the cell phone service provider and then second by the collection agency? Can you confirm that is correct?

Customer
Correct
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Debra, Expert

Is that the same both on Equifax and Trans Union?

Customer
As far as I can tell though I am waiting for transuinion to send me my detailed report, as apparently they were unable to do it online I had to request it be mailed to me
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Debra, Expert

This is clearly not in keeping with the law and only one of the reports can be kept on your record and not the second.

In each case you will want to pressure the reporting agency to remove the newer one because the other one will fall off sooner.

All you will have to do in each case is prove to them that this is the same debt that has been reported twice. Both Equifax and Trans Union have formal appeals processes that you can undertake online.

So when you get the reports that's what you should do and also, when that happens if you're not sure how to do that come back to me and I will happily help you.

Does that help as a starting point?

Customer
thank you very much!
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Debra, Expert

You are very welcome.

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Debra, Expert

Thank you for trusting us to help you here at JustAnswer. If you have any follow-up questions, or need clarity on anything we went over today, please feel free to let me know-I am happy to help!

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