I was contacted by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. He claimed to be a process server engaged by LPS. He said that I needed to call them ASAP or he would serve me papers. XXXX also called my parents at their home. He was calling from a blocked number, but gave me the number XXXX XXXX XXXX XXXX to contact LPS. I called the number and found out that LPS is Lakefront Processing Solutions. They said that I owed {$450.00} on a payday loan taken out with XXXX XXXX XXXX on or about XX/XX/XXXX that I ned repaid. This sounded incorrect to me, but I gave them a credit card number that I knew would let me dispute the charge and paid the balance with the intention of doing more research when I got home that evening. When I looked into the payday loan, I verified that I did not take a payday loan out and that XXXX XXXX XXXX was most likely not a real company. I called LPS back to discuss and was placed on hold and sent to various voicemail inboxes. Eventually, after several calls from me, they gave me the phone number for XXXX XXXX XXXX. They mailed me a debt verification form ( attached ), but it provided no additional information was very vague. It was also a basic word document form. I disputed the charge with my credit card, changed my card number, and received my money back. On XXXX at XXXX I received a call from XXXX XXXX stating that he had received my file again and would serve me papers in XXXX minutes if I did not resolve the issue with LPS. I called LPS and spoke with XXXX XXXX. I asked for the bank account number that payments had been attempted from and was given the last XXXX digits of XXXX. This is not my bank account nor has it ever been my bank account. I also checked my bank account to make sure that there were no charges coming in or out from XXXX XXXX XXXX. Nothing. No payday loans at all. I am not sure if this is a legitimate debt collector seeking payment for a fraudulent debt or a fraudulent debt collector. Either way I am sure that I do not owe this money and will dispute this debt. LPS has an old address for me, as well as my social security number and former employer 's information.