This is just the Tip of the Iceburg, but a good beginning to understanding the scope
of the deception and corruption we have truthfully allowed, even though unintentional.
FYI, Want to know how to stop those anoying bottom feeder collection calls and letters ??
Ignoring them, may eventually get rid of some, but only to get another one. Address the situation.
You will need the Co. name and address and what ever info regarding the specific debt being claimed. Send a Certified letter to them, explaining that you have no idea who they are and that you have no contractural business or obligation with them, nor have you been notified or agreed to this with the original creditor.
Then you can further inform them that you will be happy to negotiate a settlement with them, however your FEE for doing this is $xxxxxxx.xx (some enormous number greater than the claimed debt). Once you receive and clear their funds you will be happy to settle this matter. Also it is important to include this Notice, That any further contact from anyone at that company/firm or anyone representing them in this matter by any means, will be considered as acceptance of your terms and their payment will be due within 5 business days.
Send it Certified, so you can prove they received it. Trust me this works, you will not hear from them again, I know from personal experience on numerous occasions.