This is a credit agency hired by a company that you have a delinquent account with. It's UC Fidelity (I think??) I have an account that was not delinquent because I had been making 2 payments every month to the company, but they still hired the company. If you don't return the calls, then they will report your account the the credit bureau, so I would at least call them and find out more about your account. For me, it actually turned out to be a good thing becasue I was able to make an arrangement where if I sceduled payments with them, they would take off 30% of my total, which inmy case knocked off about $150.
your the scam if you owe a company money they will.send you.notice in the mail first. unless your address has changed. If not call the company with your old cridit card and confirm their claim.