The message has my name and social security number and city, no address. They are saying I am currently in default under its obligations to Interstate Creditor Reviser in the amount of $1,240.00. Our records indicate that payment on your account is overdue in the amount of $1,240.00. We have been asked to review your seriously past due account, this invoice is long past due and your refusal to remit payment is beginning to concern us. Is there some reason that you feel you have no responsibility to pay this debt? We hereby given (7) days of our intention to commence County Court action to recover the debt shown below. If we do not receive payment of this amount within (7) days from the date of this letter … by the way, this was an email …. we will issue no further notifications. We will immediately proceed with issuing a summons against you for the said amount. Unless payment is received within (7) days we will have no option but to existing we also used a credit score developed by us in making our credit decision, you may experience difficulties in obtaining a loan in the future Few lenders report to the traditional credit reporting agencies. Instead they deal with deal with specialized "subprime" agencies such as Tele Track and DP Bureau. Therefore, demand is hereby made upon you for payment of the entire balance due on said note in the amount of $1,240.00 including interest accrued to date if the entire amount due is not received on or before 08/07/2019 we shall instruct legal counsel to commence legal proceedings against you. They also put a disclaimer in red that this email is for Financial Crime and Investigation Department use only, and any dissemination is strictly prohibited and maybe unlawful.