I received a phone call today from XXXX. The man on the phone said that they were preparing a suit against me out of Illinois for a credit card that I supposedly refused to pay. I immediately told him I did n't have any cards that were not current. The man on the phone said that this was a credit card that was opened in XXXX and then said the company reported to them that it was open until XXXX with no issues. I told him I did not have that card and I did n't have a card in XXXX that was open until XXXX and I asked him to reiterate that he was planning to file a suit to collect. He said they were preparing the suit and I again told him I did not have that card. He asked me to confirm my name again and what my maiden name was. I have been married for 13 years. I have n't had any credit cards in my married name that I do not still have. 
He asked me about a mailing address that I had over 15 years ago and I again told him, I did n't have that card and certainly did n't have one that was open in XXXX. He then said that the card was open until XXXX and changed the year he claimed it was open until. 
So he said that he would go ahead and put down that it was indeed a refusal to pay. I angrily told him that I was saying that it was not a refusal to pay but that this card was not mine. I did not have any cards that were open in XXXX. He said " That 's okay, we already have you recorded ''. I told him I was going to report him and he said to " Go ahead and report me ''. 
This company, whose name he said was Asset Recovery Solutions, was stating they planned to sue for a card I did n't have and using fear tactics that I know are illegal. The man on the phone refused to give me his name but he had a deep voice.