This number is the Commercial Credit based in New Jersey. They are in cahoots with NCO debt collector trying to scare you into paying on a debt that is more likely than not to be bogus.
Don't explain anything to them...don't give them details, Tell them not to call you back and hang up.
If you owe anyone money, deal directly with who you owe the money to. Do not send payments to the collection company, even if you make the check out to your original debtor. Make payments to, and send them to, only the original debtor. Let the collection company hassle your debtor for any collection fees they want.
This gentleman wanted to talk to my husband and when I said he wasn't here he hung up on me....this is a business and I make the decisions on finances..these people who want you to buy something better get it straight that if mama ain't happy ain't no body happy and no body is buying from rude people....