Travis, to answer your question, A month or so ago I began sending validation letters to all collection agencies on my credit report. These were a variety of debts, a few were, a few I believe my exhusbands, and a few I truly never heard of. I have so far had 4 companies respond in the 30 day period stating due to being unable to validate the information that is required they are having all 3 credit bureaus remove this information. I even received a couple apologies.