<prompt> Human: We vacationed in Australia a few months ago where we rented a car. We are from the US. We opted out of their insurance in favor of my credit card insurance. When returning the car they claimed I damaged it. There was a black small mark underneath the front bumper that I know I didnt cause also, its under the car - unfortunately I didnt take photos before. I didnt report it on the form because I thought it was too small. They charged my credit card 325 for this bogus claim that I disputed with my card company because I think they are scamming me becauseI opted out of their insurance. I didnt choose to use the credit card insurance at the time because I strongly feel this is a bogus charge and I feel scammed. Well now Ive received an email from Dunn and Bradstreet Australia debt collector saying they now have the debt and have added 100 to the fee. Incidentally they dont list any contact information and when I google them they only have 13 phone numbers which I cannot dial from the us. Anyway, if they transfer this case to their American division, what authority do they have to collect it from me? They dont have my SSN. They do have my DOB and address. I feel this is so unjust and dont want to pay it. But dont want to accrue interest and eventually have to pay it if they have some sort of authority to collect it.  <response>: If its an insurance claim then tell them to submit it to your insuarance carrier on record... your cc company.Its a scam. They have your ins info but want cash from you directly. 