Lawsuit from another country?

Well I got a call from a european number aparently a lawsuit with National Cash Advance. I believe it to be a fraud since i never done business with them and the fact that he was looking over my credit report. Can they get my credit report without my permission? Am i suppose to recieve some letter stating the lawsuit from one of their lawyers or something even if I live in the USA?

Another thing i think it may be fraud since the fact i monitor my report and their are no inquiries or collections from this company and he only wanted either a credit card or prepaid visa card.

What are the usual steps for any lawsuit in general?

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