For all to know, Unifund Pilot Receivables just posted a CA for an account from CITI that had been settled with prejudice for no listing due to the precarious legal basis of the claim (Citi had knowledge of CARD ACT violations). This agreement was prepared by a top credit attorney in NYC with notarized signatures on both ends. Had I not had alerts, I would not have known about this. My scores are plummeting and I am hopping mad. Is this a $1000 violation? I paid the attorney and he is on it but I would love to sock it to them...deliberate misrepresentation of a legal agreement and fraudulant inducement to pay?