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.
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.
In many countries this is meaningless.
I just ignore any horseshit that goes to collections outright