Theoretical question for the heavy-hitters!

I have a theoretical question – I’d love anyone’s input and/or theory.  Let’s say:

 

• an OC and a CA report on a CR; 
• snooping around uncovered that the OC and the CA are owned by the same company; 
• OC is a little suspect because they specialize in granting credit to poor credit candidates;
• CA is very suspect because they hide behind several confusing DBAs and former DBAs; 
• OC and CA made it very difficult to know that they were owned by the same company.  

 

Slimey business practices aside, would this constitute double reporting?  Would it violate any portion of the FCRA?  If it is grey area regarding violation, is it cause for filing complaint with the FTC and/or state AG?  If it’s not a violation, would a FTC and AG threat be enough leverage to have both items removed?