I recieved a phone call from PAM, LLC while I was at work. When I called them back the woman whom I spoke with said that I took out a XXXX $ loan in XXXX and never paid it back. Further more she accused me of closing my bank account so money could not be taken out as payment. I told her that I did not do any of that. I looked into a loan but never took XXXX out. She go angry and trie to proove her self by telling me my Social Security Number, Email Address and Phone number. She said I could pay her over the phone or meet to try and avoid the corts. I told her I wanted proof so she e-mailed me a colection notice. 
After two days of recieving the e-mail I recieved another phone call by this time I had recieved all bank statments as well as confermed with my bank that I have had a open bank account seince XXXX. I said I would meet too look at any real evidence but I would not pay by phone. She got angry and said that they do not meet and that because I am not going to pay that this will go to the next level of action.