A phone call, email or text message from a supposed debt collector is not legally sufficient evidence of debt.
The Fair Debt Collection Practices Act (FDCPA) includes statements such as this:
* Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. ["Written" means snailmailed ... not emailed or texted]
Therefore, if that caller wants you to pay immediately, before you get the written validation notice via snailmail, or if the caller wants payment via green dot, Western Union, or other untraceable means, then the call is definitely not legitimate.
IF you wish to communicate with the supposed collector / creditor, visit the following page, for example "Action Letters" to snailmail:
http://www.consumerfinance.gov/blog/debtcollection/
If you KNOW you owe no money, or believe the call was from a fake debt collector, please take the time to read this:
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
Got a call asking to give my SSN to them. When I declined she insisted that I confirm my address. when I declined she rambled off an address that is not mine. I told her so and she still insisted that I give my SSN as she cannot tell me what the call is about until I confirm my id to her. I do not know her and she spoke to fast to hear the company name she claims to call from. When you ask her a question she will just talk over you and insist that you give your SSN. She will not give any other details until I give my SSN even though the address she claims I live at is not even near where I live.