<prompt> Human: I know for a fact that this is not my debt. Its addressed to a female variation of my name and not actually me. Additionally, its for Bank of America where Ive only once had a checking account which I closed with close to 500 dollars available. My only credit card is with another bank and Ive never even had a late payment. Ive looked into my credit history within the past 2 months to find no blemishes.The letter claims that I must respond within 30 days. I have no problem doing this if I should, but what are the possible outcomes if I do and if I dont? Do these things generally end with a letter and no further contact? My worry is that theyll use any disputing letter as a reason to continue to mail my address and contact me.I tried searching google but everything contradicts or doesnt give full answers. I mentioned this to an older coworker of mine who said that you have to mail them and that hed done so when receiving letters in the past for debt that wasnt his.Help me, rpersonalfinance!  <response>: It should have the account number or part of it. If it doesnt match anything you have, then you shouldnt be too concerned.Just to be sure, go to and get a copy of all three of your credit reports. Look through them for this. If its not there, ignore it because if you reply they will hound you even if it is not yours. I bet they are fishing to be honest.If it is on your credit report, then file a Debt Validation letter and force them to prove it is your debt. You can find more info on DVs on the Credit Board ForumsGood Luck! 