Hello, This sounds like a very well-known scam. Someone contacts you claiming to be a collections agency and tries to convince you into paying for a debt you don't really owe. If you're sure you didn't take out a loan
with this business, I'm sure you're right. I notice right up front that their email address is generic. If they were a real business, they'd likely have a professional email account. Anyone can open up a gmail account, even under a fake name, which is likely what's going on here. You don't have to put up with any creditor who keeps calling you and harassing you. You have substantial consumer rights under the Fair Debt Collection Practices Act. You can check your credit history and see if there's an unpaid loan you owe money on by going to www.annualcreditreports.com.You can get a free copy of your credit history from all three credit reporting agencies and see it on the web, compliments of the Federal Trade Commission
. The site is government approved. Under the Fair Debt Collection Practices Act, you can demand that they validate this debt in writing so that you can formally dispute it. Also, under both state and Federal law, it's illegal for a debt collection company to harass you or threaten you with prosecution for failing to pay a civil debt. You can dispute this debt, which you should do in writing, by sending the collection agency a cease and desist letter, letting them know that they are in violation of both state law and the Federal government's Fair Debt Collection Practices Act. Tell them to immediately refrain from contacting you or anyone else such as your family or employer or that you will report them on the state level to your state Attorney General
and on the Federal level to the Federal Trade Commission. Remind them that from here, every violation could get them fined $1,000. If you really owe this money, they will have to serve you and take you to civil court. But if you don't, this should be the end of it all. The Federal Trade Commission gives a wonderful overview of overaggressive and/or fake collection agencies and how to get them off of your back, where to report them, where to learn more, etc. And it's pretty straightforward. You can access that here. http://www.consumer.ftc.gov/articles/0149-debt-collection Good luck!