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Can you dispute negative credit for debt belonging to ex-wife?
Received letter / payment demand from collection agency for a debt that I did not recognize.
NO DETAILS GIVEN. (?!?!?!?!?) So I initially thought it was a scam...
As a precaution, I pulled my credit report. It showed one account “in collection” from a hospital I’d never been to. (???????)
Called the hospital. They had a small account open in my name for service performed for my EX wife (divorce was finalized shortly after she -apparently- visited the hospital). That was the first I was aware that my wife (now my ex wife) had (apparently) visited that particular hospital. I don’t know why the account was in my name as opposed to my ex wife’s name, but anyway...
I asked the hospital why they had never sent me a bill. They said they had sent me several bills. So I asked them for the address they sent the bill to. It was an address I hadn’t lived at since LONG before my wife (supposedly) visited the hospital. So (of course) I never received the bills.
Consequently, through no fault of my own, and no fault of the hospital*…
An account ended up in collections before I even knew that a debt existed.
I offered to pay the bill, but the hospital would not accept payment. They suggested I pay the collection agency.
Considering this was my ex-wife's debt and I had no reasonable way to know that a debt was owed even, can I get this deleted from my credit report?
*My ex-wife had insurance, so why was the account in my name? Also, where did they get the OLD address???
3 Answers
- ?Lv 71 month agoFavorite Answer
File a formal dispute with the credit bureaus including all the facts you have listed here. The hospital or collection agency would have to confirm the debt. If they do not, it has to be removed.
- Anonymous1 month ago
Sympathy to your former wife.