Massachusetts/Connecticut. I got stuck in the Fleet/Bank Boston merger last summer. I had opened some student accounts with a Bank Boston branch in CT in 1999 (including checking, savings, and credit line), and it got bought by Webster Bank during the whole merger mess. I tried to close my account before that happened, because there *are* no Webster Banks in MA, where I live, and that appeared to have gone okay. About two weeks after I'd called to close the account (they said they'd take care of it), I got a call saying that two checks came in against my account before they could close it and now I owed such and such an amount. No problem; I sent off a check just like the woman said and thought the problem was done. Nope. The check never got there, and I get a letter from Webster saying that I owed them money on a loan. I sent a new check via registered mail (and yes, they got it, but it didn't show up on my statement), I called, I wrote, and so on. Eventually they credited my account and closed it, but it's still on my credit report that I owed them the entire amount of my credit line, plus interest, and my requesting the account closed. Is there any way that I can get them to tell the credit reporting agencies that I never owed the money in the first place? Can I sue them for illegal credit reporting? What are my options?