Lots of SCAM's going on in the collection business. Most are just fishing, hoping someone will pay a phony debt just to get them off their backs. If your CC company can't find any records, how can a 3rd party agency find one? What they do is trick you into giving them information. Usually, all they have is your name , and a phone number until you give them what they ask. Best to hang up and not answer.
A few years ago someone started calling me saying I owe a debt. They started out asking my name.......Are you Mr. Joe blow?
I said yes.
They asked me to confirm my identity by giving them the last 4 in my SS#.
I said no.....I am not telling you that.....I don't know who you are.
They then asked for me to confirm my address.
I again said no.I don't know who you are.
I asked them to send me something in writing so I can confirm who they were.
They never sent me anything by mail.
So My thinking is someone is fishing for information and I did not tell them anything.
Last month was the first thing in writing I got and it was the notice that I was being sued and it was tape't to my front gate.
They never served me in person, but the letter was from the court, not the suing party.
It wasn't till I received this notice about the law suet did I respond.
I went to the court house the next day.
I have continued to respond to the court through registered mail and have written the judge many times.
Every time I did it through registered mail with return receipt.
I want to make sure that the judge sees that I am not ignoring this and have taken it seriously.