on the week of XXXX XXXX 2015. I received a " Debt settlement offer '' dated " XXXX XXXX, 2015 '' from LTD Financial services for a debt in the amount {$1500.00}. I did not recognize this debt as mine so I attempted to called LTD financial services to inquire about this alleged debt. I asked the phone representative to verify the social security number on the account. I gave him the last XXXX numbers of my social and he said that it did not match the number that they had on file for the debt. I asked him if they could then remove the fraudulently assigned debt from my credit report. the representative stated that I was a liar and that the debt was mine and that I was making social security numbers up to get out of paying the debt. I was called a " XXXX '' by this person and the representative implied that someone would visit my home to collect on the debt if I did not pay. after this phone call I sent a FDCPA verification letter to LTD requesting verification of the alleged debt which is currently fraudulently assigned to me ( LTD REF # : XXXX XXXX ) on the XXXX of XXXX, 2015 via certified USPS mail with return receipt. on the XXXX of XXXX I received the delivery receipt from USPS confirming that someone from LTD signed for, and received my verification letter. on XXXX XXXX In response to my request for verification under the FDCPA I received another settlement offer letter from LTD. on the XXXX of XXXX I mailed another letter to LTD reminding them of my verification request and urging them to fulfill their legal obligations under state and federal law. to date I have not received any form of verification of this alleged debt from LTD financial services. I believe that LTD has willfully fraudulently assigned this debt to me. this debt is affecting my ability to refinance my mortgage. the CFPBs mediation in this matter is requested.