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Threatened or suggested your credit would be damaged. A collection notice was received fr om Monterey Collections, dated XXXX for the amount of {$500.00}. Notice indicated payment was to be received by XXXX , the day the notice was received in the mail. Called spoke to a lady named XXXX I tri ed to explain that I had never made that purchase. She indicated she hears this thousands of times and that because it was my name and address it was my debt. That she had proof in front of her that indicated it was my debt. ( invoice ) Once again I tried to explain and XXXX did not accept any explanations. Instead she threaten to report me to a legal institution and that my credit will be affected/ ruined for 10 years so that when I go ask for credit I will be denied. I understand that t