Can a creditor outright lie?
I had an overdue credit card over 9 years ago, I recently got a credit report and it was not on it so it was obviously cleared. Today a third party creditor called to offer me a settlement on it, when I said that it was dropped she said that I made a payment on it 4 years ago which "reopened" it. I know I didn't make any payment because I was intentionally waiting for the seven years to run out for it to be dropped. Can a creditor outright lie like that just to scare me into paying it and also if I did make this mystery payment would it reopen the claim and restart my seven year waiting period?