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Can they find and owner of the inactive card? If I put a fake name to their system

Your debit card bank has your real name and you agreed to share it to get the card in the first place.

In many countries this is meaningless.

I just ignore any horseshit that goes to collections outright

What a great achievement of our society. Inventing a financial instrument to buy and sell debts.

It really is. It decreases the risk and necessary KYC checks so a lot more people can get serviced that would be shown the door in a world where you can't sell a debt.