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They most likely can also report the collection since its from 2014. I would DV this one if you dont know what it is or contact the OC directly to see whats up.
@Anonymous wrote:
I do a google search on these guys and just about every review it says scamm.
Well they could be thats why I would check with the OC and if they dont have anything then I would file a complaint with the states AG about this.
If yu contest the debt, then start by sending them a DV request.
I would recommend sending a copy of their communications to the CFPB.
They maintain a database of complaints, and may take their own action if they get multiple complaints.