Expert: Ontrack Financial Group llc - 10/8/2007

Question
My wife had an apartment prior to meeting me.  She claims they charged her for repairs that were obscene.  I can't verify or not, but this is her say.  Problem is, she made partial payment prior to disputing which is like accepting responsibility.  Since then, she and I have gotten married.  The guy with their collection department is not a very friendly guy.  He got me on the phone one day, I told him I would work with him on clearing up her debt, and requested that he send me a bill.  He absolutely refused and threatened me with how he was going to put it on my credit report also.  I was very nice even though I was boiling, and let him know if he would send me a bill I would be more than happy to work with him as I did not want to just send money to some company claiming my wife owes them something from before I even knew her.  He hung up on me.  2 weeks later I got a call, he did send me the bill and I set up payment with him right then and there.  Today I check my credit report, and it is reported on my credit also.  This isn't for a credit account or anything.  It is a collection for damages that have nothing to do with me.  By law, is it ok to report this on my credit?  She was actually married to someone else at that time.  Thank you for your time.
Kevin

Answer
Kevin,

This should have never been apart of your credit report.  Send a letter of dispute to the collection agency, the three major credit reports and your attorney general.  Contact an attorney for possible damages, and deformation of character.

Good Luck

Eddie