"This item was verified and updated on Jul 2008." Responsibility for the account is shown as "Joint" on my credit report, but is shown as "Individual" on hers. My wife then disputed the account on her credit report through their online system. Again, it came back as verified, but this time we received a validation packet from the collection agency in the mail. It shows the account holder's name, address, balance, seller of the account, and date the CA purchased the account. It also had an affidavit of sale from when the CA purchased the account from the original creditor. This information clearly shows her as the only account holder. The only piece of paper with my name on it is on a copy of a check when I made a payment on the account back in April 2003. The OC was never on my credit report; it only showed up on my credit report after it was sold off to the CA. Clearly there is a FCRA violation here - I have not yet checked my TransUnion or Equifax reports because I'm having trouble accessing them online for some reason, so I'm waiting for hard copies. I'm assuming that this account is probably on those reports as well, and if so, I'll be disputing. I've never actually had to deal with a situation quite like this, so I wanted to see if anyone had some input on how I should proceed from this point. Thanks!