If you "change the names and wording" you're actually copying and making a modification. However, if by pure chance you came up with some say detective story th

If you "change the names and wording" you're actually copying and making a modification. However, if by pure chance you came up with some say detective story that has a plot very similar to one of the existing billion other detective stories, no can sue you unless there is sufficient evidence that you actually infringed a copyright.