ARA, Inc, PO Box 5002, Villa Park, IL CitiFinancial Associates Bank Claimed I paid on a credi card for 12 years that I never had and then stopped abruptly. Villa Park Illinois

Sent me a letter saying I owed on a credit card. Said I had paid on it for 12 years and that since it was on my credit creport until 2008 and never disputed from all three that I HAD TO PAY IT. They did not have any correct previous mailing addresses or correct last names but they did have my social security number. I have never had credit cards. They are going to file a warrant for me. They argued and argued with me and then told me they didn't care what I did even when I told them that I was going ton get a lawyer.