My Girlfriend Received A Collections Letter for a Card She Doesn’t Remember Having

Title.

She received a standard collections letter from a company. However, she doesn’t recall having the card and further they spelled her first name wrong and used her maiden name which she hasn’t used since 2010.

We looked up the company and they appear to be legit and registered to do collections but we’re hesitant to do anything. She recently cleaned up some other debts she had and meticulously checks her credit score and marks against her. This debt has never been reported which seems odd since it would be AT LEAST 9 years old due to it being under her maiden name.

Just like any collections letter it lists the creditor, original creditor and gives 30 days to dispute it via letter or call to discuss. Is this a phishing attempt? Flat out scam? What is the best way to proceed?

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