YOUR NAME, THEIR DEBT — When Identity Theft Rings Your Phone
Getting debt collection calls for bills you don’t recognize?
You may be a victim of identity theft. Learn how R23 Law’s California Consumer Protection Attorneys protect your rights and credit.
Identity Theft Isn’t Just a Nuisance—It’s Financial Sabotage
In today’s fast-moving digital world, a stolen identity can open the door to crushing financial consequences. According to the Federal Trade Commission, 14.4 million Americans reported identity theft in 2019, resulting in $1.6 billion in losses. That’s not just stolen money—it’s stolen credit, reputation, and peace of mind.
One particularly alarming sign? Receiving collection calls for debts you’ve never seen before.
When your personal information is hijacked, scammers can rack up bills in your name. If they default—and they usually do—you’re the one fielding angry calls from debt collectors. For many, it’s the first red flag that their identity has been compromised.
The Real Cost of a Stolen Identity
Imposter scams are more than just irritating. They can:
Tank your credit score
Prevent you from securing loans, mortgages, or rentals
Tie your name to fraudulent accounts
Trigger legal action or wage garnishment if left unaddressed
R23 Law’s California Consumer Protection Attorneys regularly see victims of identity theft blindsided by collection calls tied to unfamiliar debts. These victims often discover that their information was used to apply for credit cards, personal loans, or retail financing—with no intention of ever repaying them.
Red Flags: Collection Calls That Don’t Add Up
If you’re getting calls about accounts you never opened, don’t assume it’s a mistake. Debt collectors may be attempting to recover funds linked to fraudulent credit obtained using your name, Social Security number, or address.
This is especially common with:
Credit cards
Furniture financing
Personal loans
"Buy now, pay later" schemes
Even if you only get a few calls, it’s worth investigating. Identity thieves often use real contact info—your phone number, your address—so collectors reach out to you, not them.
Four Smart Moves to Protect Yourself from Fraudulent Debt
1. Gather Details, But Don’t Admit Anything
Speak with the collector, but don’t confirm the debt is yours. Ask for:
The company name and contact information
The amount claimed
When the debt was allegedly incurred
Who the original creditor is
Be clear that you do not recognize the debt and are not acknowledging it as valid.
2. Protect Your Personal Information
Don’t hand over your Social Security number, birthdate, or payment information. Verifying your name or address is fine—but giving more can backfire. Scammers (or bad data handlers) might use that info to reinforce the fraud.
3. Demand a Validation Notice
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to receive a written notice outlining:
The name of the creditor
The amount owed
Your right to dispute the debt within 30 days
This is a critical step to determine whether the debt is legitimate—or legally disputable.
4. Document Everything
Save call logs, emails, letters, and notes from every interaction. If the debt collector violates your rights or continues pursuing you for a fraudulent account, this documentation will be vital in asserting your legal protections.
California Law Backs You Up
California’s identity theft laws offer strong protections. Under both state and federal law, you have the right to:
Dispute fraudulent debts
Freeze your credit
Block inaccurate information from appearing in your credit report
Seek statutory damages from entities that violate your rights
R23 Law’s California Consumer Protection Attorneys are experienced in fighting back against aggressive collection efforts tied to identity theft. Whether it’s disputing a fraudulent debt or pursuing compensation for credit damage, our team knows how to enforce the protections you’re entitled to under the California Identity Theft Act and the Fair Credit Reporting Act (FCRA).
Reclaim Control of Your Credit
When your identity is compromised, your entire financial future can be put at risk. But you are not powerless.
R23 Law’s California Consumer Protection Attorneys are here to hold debt collectors, credit agencies, and negligent companies accountable. We’ll help you restore your credit profile, protect your rights under the law, and ensure your identity is back in the hands of its rightful owner—you.
