<prompt> Human: My phone blew up at midnight from my credit monitoring services, score down 135 points. Called agency this morning and was told looks like you should have paid then? We can make is 28 50 accounts if you dont pay now.1. Is this allowed under Fair Credit Reporting act? I assume an emphatic no. 2. Who do I report this to? My state AG, agencies AG? FTC3. Do I have to dispute all of these individually?  <response>: So thats amazingly illegal...Report them here - CFPB seems to get things done. 