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  1. It's been a few years and I was hoping I'd never have to use these forums again, but alas... Several months ago, the driver of a parked vehicle accused me to tapping and scratching their bumper, merely because my car happened to have been parked behind theirs on this busy, urban street. This accusation came about a month after when it supposedly happened, even though we were at the same social event and they could've given me the accusation immediately there instead of waiting a month to call me. They demanded payment, I told them to lemonade off because I had in no way damaged their car. Their insurance company, Allstate, calls and snail mails me requesting my insurance information so they could process their member's claim. I ignored that business entirely - I'm not giving any statement to someone else's insurance, and there's no reason for mine to be involved because there was never any collision or physical contact. Today, I received a letter from Credit Collection Services (CCS) representing Allstate, advising the damage amount was assigned to them for collection "based upon its investigation surrounding the incident". CCS is demanding either my insurance info or payment in full, and threatening "legal action and/or license suspension (contingent upon applicable state law)". This one's a little bit trickier as it's not just a standard collections demand letter, but has the underlying insurance claim attached (I guess if they can only investigate one side of the story they default to it being true). What my next step?
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