COMMONWEALTH FINANCE did n't send me a letter first, they immediately placed this on my XXXX XXXX credit report.The law is clear they must contact me first.They 're violating the law. I have never visit XXXX in XXXX TXthis is a zombie debt they continuous to past around.according to them account open XXXX 5 years ago. They could n't Violated date.There no account number associate with this account.