DawgTalkers.net Forums Thread Like Summary - Need some advice

My mother in law called today. They own their house free and clear. However, their house is in my wife's and sis in laws name - in a trust.

In laws wanted to renew their home equity loan - on which they owed nothing, but HOL's expire. Bank told them there is a claim against my wife - something on the 'docket', in the local court system. Long story short, the 'docket' lists my wife's first name, same last name, but the middle initial and the husbands name are not the same as ours.

MIL called the courthouse to see what was up. Lady at the courthouse gave her the docket number, and said "I can tell this isn't against your daughter." (my wife) It's against a lady with the same first and last name as my wife, but a different middle name, and her husband, which has a name completely not mine. The "docket" thing is for a rental home in a town we've never lived in, nor have we ever rented from - heck, we've lived in our house for 24 years.

However, the credit report showed a case against my wife.

Question is: How do I/we go about clearing my wife's name in this situation? It's not her, it's not us. It's the credit bureau having wrong information.

I had something similar happen once. Sending a notarized letter from the Clerck of Courts, noting this is not your wife, to all 3 Big Credit reporting agencies with a dispute letter should do it.

I had a judgement hit my credit that wasn’t me. I had to do all the footwork and it took almost 3 months to clear. It makes you furious. And in my case it was just some data input that got attached to the wrong name.