I was just called today from these same people.  I got a call first on my cell from a "Private Number", when answered, this lady told me that a collection agency had been trying to reach me and this was the final attempt. She gave me the number to PNC Capital Group with an account number.  When I called the lady was talking very fast and said I had taken out a loan back in 2008 first, then she said it was taken out back in 1997 and payments had been made until January of 2010. Every time I tried to ask her a question she would cut me off and after trying again with a raised voice she said she would not be yelled at and hung up on me.  I called back numerous times and kept getting very little bits of information from her.  She said she was going to have papers served on me at my job as well.  I NEVER took out a loan in 1997 or in 2008, as a matter of fact I couldn't have taken out a loan for a piece of gum in either year because of student loans. (Which are current by the way, and nothing is showing in the negative on my credit report).  I think this is all a scam because she said to me that unless I was willing to set payment arrangements up, there was nothing else she would discuss with me.