I then disputed through EX and it came back no change, still not disputed. I printed out all my proof from each dispute and tradeline. I sent CA a letter outlining their violations and demanding they remove the account from my credit reports. Today I recieved a letter from CA...almost full validation. They have my contract, delivery reciept, drivers liscence and an abbreviated payment history. The bed we bought started out at $480.00 and we paid it down to $271.00 before Heilig Meyers went bankrupt. Thats how it is reporting on my reports $271. Their cover letter to the letter stated account number, name, etc. but a balance of $2077.58 My wife was livid and called them. (I know I couldn't stop her) My wife explained that we sent the bed back because it was damaged, and how are they charging $2000. The rep said they weren't charging that much, DW said I have it right in front of me yes you did. CA said would you like me to send you my computer to show you we aren't claiming that much...DW blew up and hung up. Well we have their letterhead claiming the $2077.58 but their invoice isn't complete, no complete payment history. I know what I should do, but I'm trying to figure out all my violations I guess. I know I got one for not marking the account in dispute on 1 report, but what other violation would that be them sending me a letter claiming $2000, even if it was unintentional...I just need some advice...reassurance.