I recently received a letter dated XXXX XXXX, 2015 from " REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of {$3200.00}. The letter states the creditor is XXXX XXXX XXXX. 

On XXXX XXXX, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with XXXX XXXX XXXX and I do not have a loan debt in the amount of {$3200.00}. I requested any future contact regarding this matter be in writing. 

A XXXX search reveals both companies are supposedly owned by a man named XXXX XXXX XXXX. I have not had any direct business dealings with this person.