So this doubles my debts on my reports to 80K. From there, I have listings from the Lendor, in various ways on all 3 reports. For example, Experian lists the total amount owed to Lendor, another loan for just year 1, another for year 2, and now the administrative company (AFS Data Corp.) I have read here about duplicates, but this is CRAZY! It looks like I owe twice (or more!) of the amount that I actually owe. Can all of these loans/lendors/administrators report at the same time? Partial and Total Amounts? How best to dispute this? I have already tried disputing one of the lender partial loan amounts w/ Experian, who verified.