As far as the Credit Collection - NO they can not place it against your credit report as it is ONLY a CLAIM. I wrote them back and told them it is a claim and to stop contact with me. They need to send it back to Masterfile.
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Michael Hilsheimer is the latest extortionist from Masterfile as Copyright Compliance Letter. I received my notice for one image that I have no knowledge of it's origin, their fee is $6,800! Let me know if any updates on dealing with these issues.
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