Hi everyone, i came to canada sep 2013 as PR holder from asian country, im trying to build up my credit now and applied PC credit card and approved it and after few months later(march 2014), i applied a another card from different credit company and they also approved and sent me a card with $500 limit but when i was trying to activate the ard then they told me that card sent by mistaken and just destroy it, i asked to send me refusel letter but they said they cant, also in my credit file its showing that i used that card for 1 month and not used as well its saying account closed by consumer request, so my quesion is still i have that card with me but my credit score came down because of it, so can i take any legal action or what is the best advise for me, thanks pls help me,