This is a XXXX XXXX account for about {$3000.00} taken out in my husband 's name by his ex wife for her ( not his ) son after they were separated. We finally got XXXX to investigate and verify that he had signed nothing, had n't used the account for himself/was n't on the account, and actually has never even been to the place where the credit was issued and used. So they sent us a letter saying yes they investigated and that it was found in his favor, he no longer owed the debt it was going to be taken out of his name/off his credit report. That 's good, but Midland Credit Management, the collection agency handling it, even with that letter from the credit issuer is refusing to stop trying to collect this from us or to take it out of his name and has it on his credit report and wo n't take it off. I have sent them a copy of the letter from the creditor and they said they just wo n't recognize that letter as valid proof and they do n't care what XXXX says because they are " no longer in the picture '' on this debt, that it belongs to MCM now. Can they do that? They know it 's been released by the original creditor as not being valid and taken off the credit report by them but they just do n't want to acknowledge that so they are n't going to do the same??? They said there is n't a police report about it so it does n't matter if the original creditor says it 's fraud. That does n't seem right. I have tons of this stuff to deal with and I am not filing a police report on his ex. They have kids together, she 'll lose her job. I 'm just not doing that, they signed her up for it let them get it from her. I should n't have to. You should n't be able to issue XXXX in credit without someone 's permission. The proof MCM kept sending us and 'verifying ' this debt to the credit reporting companies was XXXX statements showing the card had been used for that total. Well of course it was used. Who would take a credit card out in someone else 's name and NOT use it. In other words they can verify a debt with any random paper they feel like. Is n't that just totally in the favor of the debt collectors? They need to start making these things have a signature, like they use to do. They should n't be able to issue credit /loans in just anybody 's name with no due diligence at all about whom they have issued thousands of dollars of credit and then it 's your problem to find a way to get it taken out of your name or pay it. How about they have to make sure it 's YOU to begin with or they ca n't collect it from YOU since they are the one 's passing out money willy nilly? How about that?