Legal options for an annoying situation?

[RollTideTyler]

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I would send the letter, but not the check. Sending them any more money might act as a "ratification" of the contract, when you might want to argue later that no contract ever existed.

Send the letter saying that you do not owe them anything and that you will sue them under the FRCA if they ding your credit.

[/ QUOTE ]

whats the FRCA?

guess: federal something consumer act

[DrewDevil]

FCRA - Fair Credit Reporting Act