Ok so I received this letter today, and the date that I supposedly bought items was over 6 years ago. I live in Oregon and 6 years is the SOL. The date was in November, so the SOL ran out last nov. and they sent me the letter in January (I saw).
I have NEVER purchased items from the company they claimed I did. In fact I was only 13 when the purchase supposedly occurred.
I'm worried they will send it to my credit anyhow and I'm quite illiterate when it comes to credit bureaus. Do I need to send a letter informing them that I never bought this item? If I send a DV would that be implying that I think it is me? And, unless it's a DV please tell me what things are (not abbreviations) so I understand.
Thanks