MCM send me a letter entitled 'Settlement Opportunity'. This debt collections company claims I owe them $1514.71 for a CITIBANK USA debt. I don't owe this debt.
The only time in my life I have ever had credit problems was right out of college. That was 24 years ago. Since then, I have perfect credit and always pay all my bills on time.
I double-checked my 3 credit reports (free at annualcreditreport, by the way) to make sure there are no errors. There ARE no errors - my credit reports are all flawless. I saw that Midland Credit Managment did a credit inquiry on TransUnion - they saw I didn't owe this debt and apparently decided to try to collect anyway!
I will write to them to tell them I don't owe this money.
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