Thanks so much for the advice. I am in the process of trying to raise my score to buy a home, so all of this is very helpful! I will definitely be following this and trying to take action against the CA, which will hopefully result in having the account removed. I will let you know if I need the number for legal counsel. I was hoping not to have to go there, but will if I have too! It's definitely amazing the things these CAs try to get away with because people are not really sure of their rights in the matter!
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