I had forgotten about a debt to a certain company. During the transaction, I noticed they had an address and telephone number (probably from my credit report) that was 15-20 years old. I informed the salesperson and credit person to correct the information. I never got a bill from them.
then recently I started receiving calls from National Enterprise System (NEC).
when I inquired about who I owed a debt to and how much, the collector stated an amount about double what I had made a transaction with that certain company.
I was told I owed a original creditor whose name was "Credit Bank".
When I told them that I did not owe anyone that amount, the collector and supervisor both asked me how much I owed.
A ploy to get a figure out of me to agree to pay.
I do not deal with third party collectors. I owe my debt only to the original creditor and will pay only that creditor.
I have sent return receipt a Cease Communication and a Debt Validation Letter (in one envelope).
Never give out your or others phone numbers, social security numbers, Bank numbers or credit card numbers, addresses, or any other personal information to anyone over the phone.
Deal with your original debt with the original creditor.
If they refuse to accept your payment efforts.(the amount is totaly up to you), then they are refusing to accept payment and threfore; validating that no debt is owed.
They can not tell you that you must make payments to a third party. if they do, file a dispute with the 3 credit reporting companies and explain what the circumstances are of their refusal to accept payment for the debt they are claiming.