I recently pulled my wifes credit report from truecredit.com which shows all three reports and notice that a medical collection is on there and has been paid. It shows paid with a zero balance. How do I get this off of my report. Also the collection company hit the report for an inquiry. I wrote them a letter asking where there were given permission to pull the credit report and haven't heard from them yet.

Any help or guidance would be appreciative.
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http://www.oskie.com/credit-dispute.htm
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm