They have called me many times saying I paid on a visa card from XX/XX/XXXX-XX/XX/XXXX from XXXX XXXX XXXX which XXXX XXXX XXXX bought. This has never been on my credit report and im not sure how they got my information, but I know for a fact this is not me because I was minor XX/XX/XXXX and I got my first credit card XX/XX/XXXX. They are very rude and telling me ” I guess you are refusing to pay your debt ” and that I owe XXXX but they will settle for XXXX. This is not right!!! They call me daily … this is not my debt. I have had identity theft before but not in XX/XX/XXXX. I was stil in high school.