They aren't really supposed to do this. ONe may be from a regular company and the other a collection agency. You should dispute this on your credit report to prevent any negative problems.
These mistakes happen more then we realize. First you need to have proof that it is incorrect, and read the credit report and see how you go about challenging the incorrect entry. Be prepared for a long hard battle.
As important as credit reports are, they're frequently wrong. It's your job to contact the company with the false record, verify you owe them $0, & force a correction.
