On XXXX XXXX 2015 I was contacted by " XXXX XXXX '' stating I was being sued by Shell for an unpaid credit card balance from 2003. I was told if I did n't pay I would be taken to court, sued, lose, and have to pay the dept anyway plus court fees. I am not privy to consumer law so I paid the balance because I did not want to deal with the courts. I do n't remember the person I spoke with but I do have contact information for the " XXXX XXXX '' based in New Hampshire and a debt collection satisfaction letter from the " claims department '' which I paid {$310.00}. The letter itself has the name in quotations. I should have researched it more but I was threatened to make a decision in one day. This company also had my personal information and social security number. As I learned more through my lender she stated this was done illegally ; that this " group '' used unfair, deceptive and unreasonable collection practices to re-age a credit card debt, which according to the FTC was time-barred debt. I am writing to dispute this and have it removed from my credit report as it is preventing my wife and I from refinancing and buying a new home. I feel as if I were well informed and went to court ( assuming is was actually a real and legitimate case ) that this would have been resolved and this negative item would have never reached the bureaus. 
