Let me guess, they have themselves listed as a Factoring Agent. No, they can't kds "key derrogatories" to your account. They can put collection accounts, but that's it. It's a method they try to get around listing themselves as JDBs.
Contact the BBB and your State Attorney General. Some have had success with that on here.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.