Complaint Review: ARA Inc

I received a letter a few weeks ago saying that I owe a clothing creditor over $8,000. I sent it back to them stating that I didn't owe the debt they are trying for as I had a small credit card & that was paid off just about 20 years ago.

Well, this morning I get a call at my job from ARA Rep giving me my SS #, mortgage co & car info. How I owed the creditor and a notice for garnishment would be sent to human resources dept and a lien put against my home. I closedmy office door and went in on the caller how I don't know how they got my info and/or calling me especially my job for a BOGUS debt & that I was not the one to fall for it. Caller hung up. So I called the number back.

When I called them back I was put on hold by a couple of reps asking my issue then transferred to legal dept. the 1st one must couldn't handle it so another person got on named Logan being nasty & trying to get loud & threatening as if I would back down, but I gave him the book. Just because they bought an old list of charge offs, etc and thinking they are going to collect anything from me was crazy and if he or they thought they had a legit case why hasn't it been taking to court, etc. coming up after almost 20 yrs after debt paid off and then said Don't Contact Me Again because I will be going after them for harassment for this fraudulent debt. So take me to court and I will handle it from there & then I hung up. 

I contact the so called creditor that they claimed bogus debt from as it had been paid off and they apologized for this situation. They had succesfully emerged from bankruptcy under new ownership and all accounts prior to that they no longer have access to (never owned the banks that put that credit card out) and all accounts from old company were permenantly closed in 2014.

I looked at my credit report and see where ARA had done an inquiry on me in July 2015 which is right after I did my 1st credit card application in over 10 years  for Capital One (how odd).