QUESTION: What to do if collection agencies call about someone else's debt?

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Anyone can encounter calls from collectors regarding someone else's debt, for example, if your phone number previously belonged to another subscriber or if an unfamiliar person indicated your contact as a backup when applying for a loan. In such a situation, it is important to keep a cool head, not give in to emotional pressure, and act strictly within the legal framework to protect your rights and personal peace.

1. Calmly and confidently inform the calling employee that you are not the person specified in the loan agreement and have nothing to do with this debt.
2. Ask to completely stop any telephone contact with you, explaining the erroneousness of the information, and demand that your phone number be excluded from the calling database.
3. Record absolutely every contact: write down the exact date, time of the call, the name of the collection agency, the operator's last name, and the essence of the conversation.
4. Submit an official written application to the agency itself demanding that they stop processing your personal data and calling about someone else's obligations.
5. In case of systematic violation of your rights and the continuation of annoying calls, immediately file complaints with regulatory authorities, including the Federal Bailiff Service and the Central Bank.

Compliance with this action algorithm will help quickly stop unwanted communication and protect yourself from illegal actions of collectors. If collectors continue to threaten or call too often, the evidence base in the form of conversation recordings and printouts from the telecom operator will become the main argument for bringing violators to administrative or even criminal liability.

QUESTION: What to do if collection agencies call about someone else's debt?

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