I have been receiving several phone calls on my cell phone as of late but when I listen to the message, it's a recorded message just asking who I am and if I am listening to this message and am the person they are looking for to stay on the line. I didn't make too much of it at first until I noticed whoever it was calling my cell phone several times a day.
Today, I received a call from someone stating they were calling from a collection agency for Direct Merchant's Bank. They asked me if I lived in Redford, and unfortunately I did say yes (stupid, yes, I know). They then proceeded to tell me I owed money on a Direct Merchant's Credit Card and why did I stop paying the card in 2009.
I informed the person on the phone I never even had a Direct Merchant's Credit Card and I had no idea what he was talking about. Of course, I know it's his job to harrass, which is fine, I can handle my own, but I need help on finding out how to resolve this. I don't owe any money to this company, I don't even know who they are. The gentleman told me that I opened this account in 07 and stopped paying in 09, which is impossible because we had paid off our debt and bought a house in 08. I would never have applied for this card.
How do I resolve this with this company??? And get this off my credit report??? SOMEONE somewhere did this to me and I'm nervous.
Any insight would be helpful.
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