Dar waterfront & associates Sent me letter stating I owe $197.72 bt may pay $98.71 Sherman oaks California

 Mailed me letter stating they are collection agency for luminise (?), states I owe $197.72, bt may pay only $98.71, letter includes a phone number, when called, states option 1, pay amount owed, or, option 2, to dispute. Option 2 runs u in circles to a r turbotax that doesn't exist!, (www.darwaterfront.com and www.darwaterfront.com/dispute. I'm thinking that most people will first, attempt to "dispute", then give up bc no way to dispute and pay the lessor amount only to avoid credit ruin. I called consumer Finance protection, consumerfinance.gov bt they,also hv a list of things to do to dispute and report, which, I plan on doing anyway, only bc so many people hv bn targeted to fall for this scam on Facebook then are stuck in the "darwaterfront" circle.