In short, yes. Only one lien should appear on your credit reports because you have one lien. The lien amount may increase because of interest, but it is still ONE lien. The second lien is misleading because it appears to your creditors that you have two liens.
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate or incomplete information to the credit bureaus, including Equifax, Experian and Trans Union. You should send your dispute by certified mail and keep a copy of your dispute letter and mail receipt for future reference.
For more information visit www.itsyourcreditreport.com
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I agree with the answer given by Mr. Adkins. You should dispute this directly to the credit bureaus. If you cannot get the duplicate lien removed, then contact a qualified FCRA attorney in your area. Virginia has some of the best FCRA attorneys. Go to naca.net and do a search.
Please note that no attorney-client relationship is created by my answers to questions on the Avvo forum. My responses should not be construed as legal advice, regardless of whether I am admitted to practice in your state or not. I am an attorney in Miami Beach, FL, practicing foreclosure, bankruptcy, credit repair, debt defense, and aviation law. Please consult a lawyer in your state if you seek legal advice.