[BearCub]

Funny you posted this. A coworker of mine just asked me about the EXACT same scenario because it's happening to him.

Send them a certified letter asking them to never contact you about this again.

That's it. Don't ask for verification, validation, etc... and whatever you do, don't send one of those stupid "validation" letters you can download from some of the message boards.

It's past the 7-1/2 year credit reporting period and very likely past your state's statute of limitations on debt. If you send them the above demand, there is nothing they can do but stop contacting you. If they do contact you after that, Freepmail me and I'll tell you how to get a quick $500 from them.

[AFreeBird]

Well and that's the thing, after almost 15 years, who can recall, and I don't usually keep records after 10 years, unless really important. Canceled checks for utility bills from 15 years ago, in a state I no longer reside in; not so much.

Also, the rep said that they got the file from other agencies, who had been mailing my old address for 15 years (yea right). But even so, it would be reasonable to assume that the "alleged" debt was reported to the credit bureau's long ago and has since expired. So if they report it again, then I figure they get sued.

[rednesss]

Estoppel letter. End of story.

[Big Giant Head]

Only $500? Maybe it’s a state-by-state thing, but we can sue for $1000 in Missouri. Per violation of the FDCPA. I know one guy that collected 5 grand from one company.