Unless the contract says it can't be transferred it can without your permission. However, the terms must remain the same. Perhaps Ashley did not give RAC the proper information, or RAC chose to ignore it. In any case you need to write both of them about the problem and keep a copy. If they don't resolve it then file a complaint with your Attorney General and the FTC. In the meantime be sure to make at least the minimum payment so they don't try to use that against you. The contract is not void.
