For the original collection on your husband's report, I would do the following.
Since the CRA “verified” your unpaid collection but the reporting CA did not provide a complete and accurate validation of the account, send this letter to the CA CMRRR.
MEDICAL DV LETTER TO THE CA
After
you receive the green card for the Med DV letter to the CA, mail
this follow-up dispute letter along with a copy of the green card from
the Med DV letter to the CRA(s) CMRRR.
FOLLOW-UP DISPUTE LETTER (2) TO THE CRA'S
For the one on your report, it shouldn't be there. NJ is not a community property state. You'll will have to start from the beginning on this one.
Step #1: Opt Out of two things: Your Credit Reports and
All Creditors. The first one ensures that the CRAs will not sell your
personal data to anyone else (haha…no more data mining). The second one
will prevent JDBs (and CAs) from buying and selling bogus collections.
Use this link to opt-out of your credit reports
OPT-OUT CREDIT REPORTS (or call 1.888.567.8688)
Use
this link to opt-out from all of your CURRENT creditors that you're in
GOOD standing with. Do not attempt to opt-out with any CAs or current
creditors that you're in BAD standing with (i.e. charge-offs, or
currently late).
OPT-OUT ALL CREDITORS
Step #2: Also, be sure to update your personal information with the CRA's before attempting to reestablish your credit.
Step #3:
Send the pre-HIPAA dispute letter to the CRA ('s) CM (no RR, this is
the only letter in the HIPAA process where you will not send it
CMRRR) and wait up to 35 days for the results of the their
investigation(s). Be
sure to handwrite this letter (and the envelop too) using personalized
stationary and teal blue ink. If your med collection is deleted, you're
finished.
PRE-HIPAA MEDICAL DISPUTE LETTER
