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While I do believe that the creditor likely has at least a potential legal claim against you for the money (you did make the transfer, and you did not set up the account correctly), the only way that they can enforce the claim is by actually suing you to do so - in which case they would have to prove that you were the person who set up the account, that you were responsible for the mistaken transfer, and that you were responsible for repaying them.
Until they actually do all of this, there is nothing they can do to enforce the debt (they cannot use any form of judicial enforcement - wage garnishment, bank levy, liens, etc.; and as the account was not set up properly - no social security number, no bank account, etc. - they cannot make a report against your credit).
So, you can continue to wait until they actually file a lawsuit against you. Currently time is on your side - the statute of limitations is running against them, (you can argue fraud is only 2 years, breach of contract is 4), so they are very close to being unable to enforce this at all - even if they tried.
shall i reply them or just ignore, i guess i will ignore it for now,
If you continue to ignore them, you can play the odds and hope that they miss the statute of limitations.
But, I cannot give you legal advice or strategic advice on the forum, we are strictly limited to providing "general legal information" on the site. A local attorney can provide you with a formal opinion and advise you on strategy specific to your situation after reviewing all of the information relevant to the matter.