Just to let you know that Merchants' Credit Guide mailing address is a private mailbox like a Mailboxes, Etc. Or UPS store. They only pick up their mail once a month so if you receive a bogus collection letter from these bozos, fire up a letter immediately, via certified with return receipt, so they can't say that you didn't dispute their collection letter within the 30 days after you received their letter. If they didn't get your letter after 30 days, your debt will be considered valid.
Since they're considered scavenger debt collectors, you can still use the Statute of Limitations and if they insist in collecting, sue them in court for fraud and misrepresentation. You'll end up a winner that's for sure.
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