Okay,
Here is the history, it may be long, but I will make it as quick as possable.
1. My girlfriend at the time we were going out had a GM Master card through HSBC and had me added as asecond card holder. I signed nothing in the original Application nor when the request for the second card was made. Later she filed bankruptcy and included this account with the BK.
2. I goto buy a car and see that it is reporting on my credit as if it was my debt, I dispute it through the CRAs and get responses back that they will remove them do to no verfication.
3 With in a month of the CRA disputes I get a letter from RJM ACQ that they have the debt and I owe it. I talked to my lawyer, he said to send them a letter requesting they provide proof of the debt, which I did, then RJM sends me a letter that they are looking into the matter. I have not heard a word back since that letter, but they are still reporting the debt and now the orginal one from HSBC is reporting (or may not have stopped).
My Question is, I need to get a home equity loan and this is KILLING my already damaged credit. What more should I do to get them to take it off? I sent them a DV letter and they sent back saying they were checking, but its still reporting and I have heard nothing back. It has been at least a month since I got that letter and closer to two months.
I live in Ohio, if that helps at all.

