Product: Debt collection

On XXXX XXXX, XXXX I recieved a voicemail at XXXX from a woman at document services regarding unsealed documents that had been marked as undeliverable and that I should contact XXXX XXXX XXXX immediately and give the case number of XXXX. Curious, I had called and I was in a conversation with a XXXX XXXX representing XXXX XXXX XXXX regarding an unpaid debt of over {$2800.00} on a Matrix Mastercard issued in XXXX. He said that I had not paid on this card and litigation was going to be pursued if I did not either pay over {$700.00} to " settle '' or appear in court to defend myself and risk paying this balance. He was extremely convincing, having my correct name, almost correct address, and the last XXXX digits of my SSN. He had said that the debt was determined to be mine via their fraud investigation. 

Frightened, I was briefly convinced this was true, and I was told that I could settle if I paid the settlement amount within three hours. I would be sent documents that would assist in setting up the payment. When the conversation ended, I responded to a voicemail my mother left saying that she recieved calls asking for me. I would find out that my father had also recieved a call. Later that evening I sent an email to my boss at work appraising him of the situation in case my workplace had been contacted. I had gone to the bank while talking with my mother to obtain a cash advance in the amount of {$800.00} to cover the settlement amount, NO payment has been arranged and as of this writing the money remains in my checking account. 

I had spent the better part of an hour consulting with my mother, my aunt, and the staff at my bank regarding this matter, and we all came to the conclusion that NO action should be taken until I have consulted with an attorney. I went home and pulled my credit report from all XXXX agencies via XXXX, and found : NO evidence for a " Matrix Mastercard '' issued in my name from " Continental finance company '' in XXXX NO evidence of any debt in the amounts mentioned NOTHING appearing in collection on my credit report NO negative activity that could adversely affect my credit history or score My credit score remains at XXXX with NO evidence of anything that can bring it down If by some chance this debt was legitimate, then I must ask : Why do I see no evidence of such a debt in my credit history? 
If this debt had gone into collection, I would have been hounded by the creditor via physical mail and phone calls, I have recieved nothing. 
If the debit had gone into collection, it would appear on my credit report and my score would be impacted, I have seen nothing when I pulled the report. 

In addition, on XXXX XXXX, XXXX at XXXX I was contacted by someone claiming to be a process server giving me a courtesy call asking when would be a good time to show up and serve me papers to appear in court. Having done my research, I know that process servers do not do this, they just show up and serve you. After a brief argument, I hung up and blocked the number, other numbers associated with this incident have also since been blocked and I can provide them upon request. Since a case needed to be filed in order to get papers to serve, I had called the XXXX County Clerk 's Office to see if such a case existed, none were found.