<prompt> Human: so basically disputed a 450 charge on my credit card, this was a while ago maybe 6 months. And got the money back, as it was fraudulently charged, now today Im getting notices from a collections agency that if I dont pay them the 450 it will go on my record and credit score. Is this legal? is there really no way to get around it and basically I have to pay money for something I didnt do if i dont want it on my credit score  <response>: Is it from your credit card company or the company the merchandise was purchased from? 