2000년 신용카드가 도용 됐는지도 모르고 한국에서 살다가 지난 주에 Collection agency에서 내용증명을 한국 변호사 사무실을 통해 보내 왔습니다. 너무도 황당하기도 하고...

그래서 credit report를 확인해 봤더니, 아래와 같이 아무 내용이 없다고 나왔습니다. 

Accounts

Typically, creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the creditor's next reporting . This information may include things such as balances, payments, dates, remarks, ratings, etc. The rating key is provided to help you understand some of the account information that could be reported. Pay Status represents the current status of accounts and indicates how you are currently paying. For accounts that have been paid and closed, sold, or transferred, Pay Status represents the last reported status of the account.

"You have no accounts reported"

이렇게 나오면 공소시효 다 지났다고 봐도 무관한건가요? 조언 부탁 드립니다.