Wrong link. Sorry.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm

No validation, no debt. It's that simple.

Validation of debts   [15 USC 1692g]
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

http://800notes.com/~sys~/post/reply.aspx/KAA ... iAjrPSrFrxSDBAA

On 9/24/2013 I received a call on my cell from 334-649-6781 {Dynamic Recovery Solutions} saying I owed Visa over 7,000.00. As I have never had a Visa card, I started to try and ask her about the details. She began to become very irritated that I would not confirm that I owed the money and would not immediately do so. She asked me to confirm the last 4 of my SSAN and I told I would not and she said she had all my information in front of her. I told her again that I have never had a Visa card. She told me that I had been making payments until 1998 and then stopped. From 1986 to 2004 I had no credit cards of any kind. As I asked questions, she talked faster and not acknowledging my questions. At that time I lost it and told her to shut the hell up and listen to me. She started in again about confirming that I owed the money and I hung up.
She never provided me with any facts or answers to my questions. She was in Bully mode from the start.

They say they have all my personal information and will use it against me for a bill they won't even identify... like I am supposed to give them money just because they ask for it, lol.

THIS IS A COMPANY CALLED DYNAMIC RECOVERY...THEY WILL USE LOCAL NUMBERS TO CALL YOU BUT THEY ARE ACTUALLY IN NEW JERSEY... THEY COLLECT MEDICAL BILLS, BAD CHECKS AND CREDIT CARD BILLS.  LOOKS LIKE THEY TRY TO COLLECT ON BILLS THAT ARE TOO OLD TO COLLECT AND SOME THEY DONT EVEN HAVE AUTHORITY TO TRY AND COLLECT ON...BE VERY CAREFUL....

Say I owe a bill

They claim you owe money from a credit card and trying to bullie you to paying part to settle.