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TAOJeff t1_j9080lx wrote

I believe this is a massive issue in the USA, the debt that is being sold doesn't need to be verified as accurate (no-one on the collections side is liable for incorrect info, so no point in updating it) and also doesn't necessarily show enough detail to be able to identify the person who supposedly owes money. So if you have the same name as someone on the list and you get found first, you get to deal with the debt collector and have to prove that it wasn't you.

So in your case, there's no penalty for incorrectly saying you owed money when you didn't. Which there really should be as it should be counted as fraud.

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