Merchants Credit Guide (aka CFB Financial III) is a fraudulent cash mgmt/debt collection services co. They send letters and leave messages from a Ken Hughes (it's always Ken Hughes) claiming to collect old debts on behalf of some company.
In most cases the debts are plain wrong or are outdated. They hope that consumers who don't do their due diligence or don't know their legal rights will give them money. There are honest, reputable collection agencies out there working for companies to reclaim their owed money. MCG is not one of them.
Any company that has to resort to "fake employees" to get your attention should be a sign of this company's practices.