Covergent Outsourcing Inc Galaxy Assest Purchasing, LLCGalaxy Capital Recoveries, LLCGalaxy Portfolios, LLCWorldwide Asset Purchasing II, LLCGalaxy International Purchasing, LLC Debt from 1995 showing up in 2016 Nationwide

 Today I received a letter in the mail from Convergent Outsourcing Inc. a collection agency. In the letter they are offering me a settlement for an outstanding balance of $5,134.70. It also shows that the creditor is Galaxy Asset Purchasing, LLC and the original creditor MBNA. When I called the number a CRS named Thomas Marrocelli tell me all about that is a debt and so and so and that tbey will use all info to collect the debt and that how will I want to pay for it. To what I interrupt him and said that the debt is not mine. I asked what is the debt about because I know there is no oustanding debt since I just recently purchased a home. He replied back and said it is a credit card debt from 1995!!!??? What the heck!!!! I asked to show me proof of it to what he responded that he needed to get with Galaxy Asset and if anything they will send me something in the mail. I asked him in which of my credit is beeb reported and he said none. I asked which credit card company he said Bank of America. He said oh this is a 21 year old credit card debt. He himself was surprised. They are a scam. I just recently got a new credit card with Bank of America which happen to be my bank. Dont you think they would have said something?