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I received a notice from a collection agency that I owe $1600.00 They are asking me to $50.00 per month for 6 months and they would then discuss the next step.My credit report shows nothing negative for the last 20years. I always pay my bills in full and have never paid a late fee. I spoke with them and and they claim it is a debt from Mellon Bank that Citi Financial purchared they would give me no furthur information except to tell me this came into their hands in 2000. I told them I have never received any late notices etc. - They said that is because the notices were sent to an address that I lived in 25 years ago. They told me to put something in writing contesting it.. Please advise. Thanks