Wrong information on the credit report...??

Question

My husband has a credit report problem, he has an account in the credit report that is not his....now we called the account's company and they told us that the account is in his father's name and also his sister name ( that has almost the same name)...because the account has never been used by my husband and is not his we want for them to delete the account from the credit report but until now no such luck, we made a dispute online but nothing happened...now we want to send a letter to the credit report to dispute the account again. so I have some question:

1- should I write the letter buy hand or on my computer?

2- should we write in the letter that the account is his father and his sister and my husband never used the account?

3- if yes to nr. 2...how should I write...should I say that we spoke with the credit card and explaind everything but they don't want to help?

4- what more should I write in the letter for them to belive that the account was never my husband's?

Answer 1

A few years ago, I had a problem with a claim on my credit report... an old loan long since paid in full had been sold to several companies and I was getting hit after hit from it on my credit report.... I had to write directly to the company and have THEM send me AND each credit reporting company (Equifax, TransUnion and Experian).... thought that would work...   One year later,  it was STILL on all 3 credit reports... called each and they once again said I needed a letter from the loan company stating I had paid in full (this was over 10 YEARs ago by the way)...and finally it came off my credit report... but it took MONTHS.  Good luck to you.... messing with those guys is more confusing then messing with God...

Answer 2

A typed letter would be better than handwritten, but your husband has to sign the letter.

Dispute the account with the credit bureau indicating that the account belongs to his father and sister.    

If that doesn't get it removed, send a certified, return receipt letter to the creditor asking them to provide copies of contracts or other documentation that proves the debt is yours.

When you dispute with the credit bureau, they contact the creditor and ask for verification. All the creditor has to do is respond yes that's correct -- no prove, not investigation.  That's why you have to go back to the creditor and get something in writing that the account does not belong to your husband.  

It is rather common for credit files of people with similar names to get merged.