I received a threatening phone message from Concord Resolutions XXXX asking me to contact them regarding a " sealed matter '' or I would face legal action. When I contacted them they had the last XXXX digits of my social security number and an address that I lived at many years ago. They told me that I owed money for a Payday loan taken out online in XXXX. They were vague about the dates and the original creditor. They had the last XXXX digits of my bank account listed as XXXX, which is not my bank account and was not my bank account in XXXX or XXXX. I do not think that I ever had a bank account with those numbers. They agreed to stop contacting me until they sent verification of the debt, which I received yesterday via email. The original creditor listed in XXXX XXXX, a company with no contact information or online presence. I am not sure if this is a debt collection scam or a legitimate debt collector collecting on a fraudulent debt.