I have to say that I never has received any report/phone call or piece of mail from these folks. This is a total RIP OFF, search some more they are literally attempting to scare people into paying them!! I have great credit, trust me, when I seen this without any alerts from any of the credit bureaus and I checked my credit again just to see on external sites and nothing pulled up. That is how I knew it was a SCAM and I am trying to help anyone who receives this garbage. DONT PAY! DONT EVEN CALL!! I BET THEY WILL HARASS YOU! /Good deed done for the day... I can't believe they tried me like that.. fools.