Yes, I was surprised by that as well and it kinda scared me away for a bit, but I knew they were in the wrong and I couldn't just give up. I'm glad I replied with that letter. I guess they thought their letter would have shut me up or confused me about my rights. I'm glad I had this forum to turn to for advise.
Latest FICO® Scores 10-20-08
TransUnion 615
Equifax 590
Experian 601