I received a letter from XXXX XXXX XXXX XXXX , XXXX ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to Continental Finance. I called XXXX, and a representative said it was a Visa that I had opened XX/XX/XXXX and closed XX/XX/XXXX. I never opened a Visa XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted Continental Finance, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry MasterCard, not Visa, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).