penman

Collection Letter Received regarding old credit card.

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I received a letter from a collection agency regarding a credit card debt.

The debt is past the sol(I am in California) and I am wondering should I respond to it. This account has not showed up on my credit reports, but the letter has the standard language " unless I dispute it within 30 days that

I received this letter they will consider it valid". Also, they are calling my home.

The account is over seven years old since the date of last activity and it does not show up in my credit reports. My question is do I need to respond to this letter?

Can they start reporting it to the credit agencies. Thank you for your help.

Penman

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