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We purchased a timeshare at Grand Solmar, Lands End in Cabo San Lucas. We paid and used it for a few years then stopped paying over COVID. They turned it over to a collections agency based out of San Diego, Resort Recovery. They have since reported the debt to Transunion (no other agency so far). I disputed it on Transunion's website but haven't heard back. I don't know if this is legal and can only really find out if I hire a lawyer I guess. So keep this in mind...