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I am sorry to hear about this situation.
What your husband may wish to do is to file a lawsuit under declaratory judgment
- see here
A declaratory judgment is a request to the court to have it confirm rights/duties of a party in a supposed contract, as here. If the Court is shown that the loan company has the wrong person, it should render a judgment making him NOT liable, which can also be used to take this off his credit report via a formal dispute with each credit bureau.
Along with the declaratory judgment, he can actually file a secondary action in the same suit for a violation under the Fair Credit Reporting Act (false credit information), as well as Defamation (false statements)
Finally, the loan company may even be made to pay punitive damages if it is found that they did this knowingly or maliciously. Attorney and legal fees may also be assigned. Some attorney may take this for a contingency, meaning they do not get paid unless you do and/or the matter is resolved positively.
So there is a way to resolve it, but it may take going to court to do so.
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