Urban Meyer's wife, Shelley, texted Courtney Smith -- expressing serious concerns about her husband, Zach Smith ... saying point blank, "He scares me."
The text exchange between Shelley and Courtney are included in the Ohio State investigation report into the football coach's mishandling of Zach, who was a WR coach for the Buckeyes.
The exact date of the text message exchange that was handed over to investigators is unclear -- but it was AFTER she filed for divorce from Zach and BEFORE it was finalized.