<prompt> Human: So this morning I got a call from Penn Credit Corporation saying they have an important personal message for me. In the message they used my name specifically, not my either of my parents. I just assumed it was spam and just let the phone ring and deleted the message, but I looked up the company at it appears that they may be an actual collection agency. Should I be worried? Im a minor 16 and Ive never done anything that would put me in debt.  <response>: Maybe a relative is using your info. I would check into freezing your credit. Some states allow this for minors. 