Short answer
Say so in your Answer and gather proof: a police or FTC identity theft report, account records, and anything showing you didn't open or use the account. You aren't responsible for debts someone else opened in your name.
Helpful next
Sources
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell LII)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.