I received a letter from First National Collection Bureau offering a settlement for something I didn\'t even do.
I\'ve read through the forum and noticed a lot of people have received letters like the one I have gotten. FNCB sent me one saying their client Resolution Management, LLC is offering me a settlement on a debt I owe, and I do owe a company right now and I am paying them- but the letter says the original creditor is Quik Payday Inc and I have never done business with that company. So I do not plan on sending money, but what should I do? Is it okay to just ignore them or should I mail them something asking them not to bother me? Should I report them? Can they harm my credit?