I got a letter dated March 22, 2001 from a collection agency that is asking for $1900+ on a debt from what I believe is a Visa card that I had way back when. They're looking for a dispute within 30 days or they say, they will assume the debt is valid. What is surprising to me is that this debt does not appear anywhere on my credit report from Experian or Equifax. There is an account listed as Inactive/Never Late from this same bank on my Experian report, but the account number given does not match the one on the collection agency's letter. Is it possible that this debt is on my TU credit report? I plan on ordering a copy of that one very shortly. I was going to send a certified letter to the collection agency informing them that the SOL has expired and to cease contacting me, but I wonder if the debt is possibly listed on the other credit report. There is no way I used any Visa card after 1993. The letter begins by saying that this debt was originally Performance Capital's but has now been purchased by this new agency. Coudl they just be doing a mass mailing type of thing to all the names in teh database they just purchased from Performance in an attempt to get unsuspecting SOL'ers to pay? Any advice is gratefully appreciated.