I was contacted by a lawfirm by mail about a debt that I owed. I contacted them and they said I had a Visa account debt in the amount of 1300 dollars between the time of 2000 and 2003. I DEFINETLY did not have any Visa account, never ever....and certaintly not between the years 2000-2003! I told them that, they verified my information, SS#, address, ect...everything was correct, they said they would investigate it.
Next thing I know, I received court papers in the mail saying that I am being sued by these lawyers for a debt I NEVER HAD. It's not on my credit report eitheir, I have checked on the major bureaus.
My question is how can I prove I do not owe this debt...is having my credit report enough evidence (it will show all recent opened and unpaid accounts? If not, how else can I prove that I do not owe this debt?
thanks for any advice.