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Good morning. This is what I would do if I were you. First, since it's easier to prevent the report to the credit agencies than remove it, I would pay the $650 so they have no basis for making the bad credit report. Alternatively, you can not pay the $650 and send this same letter with the warning that if they make any negative credit report on you, you will also include a suit for defamation. Second, I would send them a letter by certified mail detailing the history, informing him of the definition of replication (Verb: Make an exact copy of; reproduce; Noun: A close or exact copy; a replica) demanding that they refund your money in total within a short specified period of time. Inform them that if your demand is not timely complied with, you will have no choice but to file a suit against them for your damages. Be sure to specifically mention that you will be filing this claim not only as a breach of contract
case, but also as a deceptive trade practice
action, which will entitle you not only to your damages, but also an additional amount equal to multiple times your actual damages as punitive damages. That should provide plenty of incentive to comply with your demands; but, if it does not, file your suit.
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