Asset Acceptance Fraudulent

My husband and I are planning on buying a house this year and when I pulled our credit reports and scores which I had assumed to be over 700 each since neither of us have ever been deliquent on a card or a loan, I was shocked to find that my husband had a negative account on his report. According to the report, this account had been originally from Direct Energy and was now an Asset Acceptance account. Having never opened a Direct Energy account (my husband had never even heard of the company) and believing it to be a mistake, we wrote letters to the 3 credit bureaus requesting removal of this account. They wrote back saying that Asset Acceptance had verified the account.

Now realizing we were probably dealing with fraud and identity theft we called Asset Acceptance who informed us of two things: 1) We would have to send them a police report before they would remove the negative account and 2) The Direct Energy account was listed at being at the address of a apartment complex my husband had lived in, however the account was opened a year after he had moved out (it's such a bad complex that someone in the leasing office could have stole his info for all we know).

So my husband filed a police report and today we sent out copies of it to Asset Acceptance and the 3 bureaus along with letters asking the account be removed by certified mail.

However, I started looking around at the complaints about Asset Acceptance and from its reputation I am now doubting that sending them the police report will resolve this matter.

So, my question is: What would be our next step if Asset Acceptance continues to refuse to remove this fraudulent account?

hiiya, and welcome!

OK, the best thing you can do right now is get documentation that leaves no doubt whatsoever that this account cannot possibly be your husband's. What I would do is go to the apartment complex and request a written statement showing when he moved in and when he moved out. The dates will be plenty good enough to show that he was not even a resident there when this account supposedly was originated. Then, keep the original letter, and send a copy of the letter to this debt collector via certified mail, return receipt requested. Include with that copy of their letter a letter of your own. I would say something along these lines:

Thats a basic idea. if you have further questions, feel free to message me.

(name)

Great idea, thank you!