Not sure this is the best place to put this but I have an account that belongs to an ex on my credit report for a significant amount. I have disputed in numerous times with Equifax and Experian telling me it is valid and I can call the collections agency. I cannot get anyone on the phone at the collections agency. I paid my ex's rent once and they added me as a guarantor. The apartment is now out of business and I am our of options to get this off effectively. ANYONE, have any advice.