This isn't what happened. See here: http://m.kutv.com/article?id=106632

Specifically: Jen and her husband also disputed the ding with the credit bureaus but because Kleargear.com says the charge is valid the the ding remains.

I've personally experienced what it's like when credit bureaus decide to mistreat you, so I believe this. She likely has no recourse to dispute it short of hiring a lawyer, which is effectively impossible if she happens to be living paycheck-to-paycheck. (It's hard to grok the mental burden placed on you merely to survive, let alone repel an assault from a big, faceless company unless you've been in a situation like "I have to choose between buying groceries or paying for my dying cat's medical treatment," for example.)

If the reported version of events are true, then what this company did to her is reprehensible and should be punished. Otherwise it will set a dire precedent for other companies to try this in the future.