Last year I learned of an account that had been opened in my name almost a decade previous with XXXX/HSBC. After communicating with HSBC it was determined that the account was fraudulent and HSBC provided me with a letter stating the account and all trade lines are deleted. 

Today I was contacted by XXXX, they gave a distinct impression I was on the verge of a civil action and that I had to schedule a meeting with one of their attorney 's to work out a payment plan. This debt is no longer valid and is over a decade old, why are they harassing me?