I received a letter from RJM Acquisition stating I owe a whopping $11,750 on a account for a MasterCard I don't own. Now my first though was it's a scam - considering I'm 20 and don't even own a MasterCard. After looking around it looks like they're a shady company - but legit to some degree. This has me a bit worried - could it be a classic case of identity theft?
I would like to send them a debt validation letter via certified mail - but I'm worried this may put me in a position where they could argue that I've verified it is indeed my debt - when it's not possible.
Advice would be appreciated - I just don't want my credit score (immaculate) to be touched by something hefty from this sketchy company.
Thanks!
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