Jan 21, 2011
Got a call, Indian with thick accent, said he was from some company starting with a Z.
It's a collection agency... and if you look on your credit report, you will see that they searched your credit.
It's likely that he doesn't know where the original debt came from, and they are just grasping at straws. If you don't have any debts (for credit cards) listed on your credit report, the debts are no longer valid. Don't answer, and change your number.