Imagine getting a call that claims to be from a credit firm you've never dealt with. Caller ID spoofing makes the number look legit, but the lack of any mailed notice or existing debt is a red flag. Hang up, block the number, and log the incident in a call‑tracking app. Report the number to the FTC and your phone carrier’s fraud department. Never share personal or financial info with unknown callers, and consider placing a spam flag on the contact within your phone. If the calls persist, file a complaint with your state consumer protection agency and consider a credit freeze for added safety.
Taking action against such harassment involves reporting them to the relevant authorities, consulting a consumer lawyer on a contingency basis, and using the provided links to find suitable representation, ultimately leading to potential bankruptcy for these fraudulent entities if everyone took these steps.
The caller ID showed SouthwestCredit, but no message was left and there is no outstanding debt or corresponding mail.