A debt collector has contacted the wrong person
If a collector is chasing you for a debt that isn't yours, you can put a stop to it. Mistaken identity happens, and it's fixable.
This guide helps you
- Recognise when you've been contacted in error
- Know how to tell the collector it isn't you
- Stop the contact while it's sorted out
- Find free help if it doesn't stop
5 min read
What's happening
Collectors sometimes contact the wrong person — perhaps because of a shared name, an old phone number now reassigned to you, or an out-of-date address. This is a known problem and you shouldn't have to pay for someone else's debt.
The key is to tell them clearly and keep a record.
Your first steps
Make your position clear and protect your information:
- Tell the collector you are not the person they're looking for.
- Don't confirm personal details that could link you to the debt.
- Ask them to stop contacting you until they verify who you are.
Put it in writing if the contact continues.
Step by step
- State clearly that the debt isn't yours.
- Ask why you were contacted — what details do they hold?
- Request that they stop and correct their records.
- Keep a log of every contact after you've told them.
- Escalate if the contact continues.
Your rights
You shouldn't be pursued for a debt that isn't yours. Collectors must not harass you, and should correct their records when they have the wrong person. If contact continues after you've told them, you can complain to a body in our directory.
Where to get free help
If you can't get the contact to stop, free help is available. Call the National Debt Helpline on 1800 007 007, and see our help centre for how to make a complaint.
Key takeaways
- You shouldn't be chased for a debt that isn't yours.
- Tell the collector clearly and don't confirm linking details.
- Keep a log of contact after you've told them it's a mistake.
- Free help is available on 1800 007 007.
Frequently asked questions
A collector thinks I'm someone else — what do I do?
Tell them clearly you're not that person, avoid confirming personal details, and ask them to stop and correct their records.
Should I give my details to prove it isn't me?
Be cautious about sharing information. You can decline and ask them to verify their own records first. Seek advice if unsure.
They keep contacting me anyway — what now?
Keep a log of each contact and complain to the relevant oversight body. A free financial counsellor can help you escalate.
This is general information, not legal or financial advice. Your situation is unique and rules can vary by state and over time — for advice on your circumstances, speak to a free financial counsellor (National Debt Helpline 1800 007 007) or get legal help.
Know your options, know your rights
A free, plain-English guide to dealing with debt in Australia — and the people who can help.