The first call I received months ago - accusing me of having an outstanding auto loan - that call didn't come up on Caller ID. The second time, today, I got on Caller ID. She identified herself as Debt Recovery Services. Also accusing me of having an outstanding auto loan. I too, have excellent credit. Not to push a full credit check - but just in case & if it hasn't been done in a while, it is recommended to rule out someone stealing/selling your identity. Anyway..The key give-away in all of this ridicule.. I've never ever had an auto loan. So come on over, with your papers in hand. Because I'll never verify my SS# over the phone!