Today, the European Union ordered Google to give its AI rivals greater access to Android, the open-source operating system that powers billions of devices worldwide. The demand is hardly surprising. It may look like a defeat on paper for Google, which has spent years resisting exactly this kind of access, but it is a regulatory win. It’s also a sign that Google may have outmaneuvered Apple by playing Brussels’ regulatory game far more shrewdly.
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Debt collection letter for debt you don’t owe? What to do now
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A letter arrives about a debt you don’t remember, from a company you’ve never dealt with, for an account you never opened. For a growing number of people, that notice is how they first learn someone used their identity.
Complaints to the Consumer Financial Protection Bureau (CFPB) about attempts to collect a debt not owed rose about 115% above their prior two-year average in 2025, and many of those consumers reported balances they didn’t recognize and suspected identity theft.
Before you panic or pay, it helps to understand why these letters show up and what rights you have.
WHY LAST YEAR’S BREACH IS THIS YEAR’S IDENTITY FRAUD
A collection letter for a debt you do not recognize can be the first sign that someone used your identity. (John Carl D’Annibale /Albany Times Union via Getty Images)
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Why debt collectors contact you about a debt you do not owe
When a charged-off account is sold to a collection agency, the agency receives the original creditor’s application file, including whatever identifiers were used to open it. That contact information is often 90 to 180 days out of date by the time the account changes hands.
HOW SCAMMERS BUILD A PROFILE ON YOU USING DATA BROKERS
Before the first call, the agency runs skip tracing: matching a name, Social Security number (SSN) and past addresses against public records, postal change-of-address data, property and utility records and data-broker files to find the current person behind the account. At bulk volume, each lookup costs the agency pennies.
The agency then contacts you directly, by phone or mail, whether or not you have looked at your credit file.
How fake debt can start with identity theft
The account behind the notice may have been opened with your information pulled from breaches and resold, then approved by an automated check that matched the data to an existing file without confirming that the applicant was you. Opening a new account is the leading form of attempted identity misuse reported to the Identity Theft Resource Center (ITRC), which counted it more often than takeovers of accounts people already held. What happens after is less understood.
10 SIGNS YOUR PERSONAL DATA IS BEING SOLD ONLINE
Charged-off debts, including fraudulent ones, are sold in bulk portfolios for pennies on the dollar, often with thin supporting paperwork. One fraudulent balance can be sold and resold across several agencies. A debt you dispute and clear with one collector can be repackaged and reappear with another months later.
With medical debt, a bill can sometimes move toward collections before you see every explanation of benefits, insurance update or corrected statement. That is why you should contact the provider and your insurer before paying a collector.
What debt collectors legally have to tell you
Federal law gives you a defined response, and the clock starts at first contact. Under the CFPB’s Regulation F, a collector must send a validation notice describing the debt and your rights in, or within five days of, its first communication with you.
5 MYTHS ABOUT IDENTITY THEFT THAT PUT YOUR DATA AT RISK
You have 30 days from receiving that notice to dispute the debt in writing under the Fair Debt Collection Practices Act (FDCPA). Dispute inside that window, and the collector must stop collecting until it verifies the debt.
One important note: the FDCPA generally covers third-party debt collectors, not every original creditor. However, credit reporting laws, identity theft protections and state laws may still give you rights.
If the debt came from identity theft, send the collector an FTC Identity Theft Report from IdentityTheft.gov. Also, tell the collector in writing that you dispute the debt, that it resulted from identity theft and that you want it to stop reporting the account to the credit bureaus.
IS YOUR SOCIAL SECURITY NUMBER AT RISK? SIGNS SOMEONE MIGHT BE STEALING IT
Ask Equifax, Experian and TransUnion for a block under Section 605B of the Fair Credit Reporting Act (FCRA).
With a valid identity theft report and proof of your identity, the bureaus must block the fraudulent item within four business days. A block is harder to reverse than an ordinary dispute, which counts when the same debt can be resold.
The CFPB has said it may expand the meaning of identity theft under Regulation V to cover “coerced debt,” money run up in someone’s name without their consent, including in domestic and elder abuse cases.
What to do before you pay a debt collector
Before you send money or confirm any personal details, slow down and make the collector prove the debt belongs to you.
1) Ask for proof in writing
Do not pay, promise to pay or give out more personal information during the first call. Ask for the validation notice in writing and save every letter, voicemail and call log. Then send a written dispute within 30 days.
Fake debts can start with stolen personal information and then move from one collection agency to another. (PixelsEffect/Getty Images)
2) File an identity theft report if the debt looks fake
If you believe identity theft caused the account, create an FTC Identity Theft Report at IdentityTheft.gov. Send copies to the collector, the original creditor and all three credit bureaus. Also, place a fraud alert or credit freeze with Equifax, Experian and TransUnion, so it becomes harder for someone to open another account in your name.
3) Check medical bills before paying a collector
With medical debt, contact the provider and your insurer before paying a collector. Ask for an itemized bill and an explanation of benefits. A medical bill can end up in collections while paperwork, insurance reviews or billing disputes are still catching up.
4) Respond quickly if a collector sues you
If a collector sues you, do not ignore the papers. Respond by the court deadline or contact a consumer law attorney or legal aid group. Even a debt you do not owe can create bigger problems if you miss a court deadline.
Why early fraud alerts can save you money
Once a fraudulent account charges off and sells, cleanup gets harder. You may need to dispute the debt with the collector, the original lender and all three credit bureaus. If someone resells the debt, the same problem can come back months later.
YOU HAVE A CREDIT FREEZE. IT STILL ISN’T ENOUGH
Credit monitoring can help you spot a new account or hard inquiry before the debt reaches collections. That gives you time to contact the lender, dispute the account and freeze your credit sooner.
No service can prevent every account opened in your name. However, three-bureau credit monitoring can alert you when lenders report new accounts or hard inquiries. That can help you act before a collections notice arrives or a lender denies you credit.
See my tips and best picks on Best Identity Theft Protection at CyberGuy.com.
Kurt’s key takeaways
A collection letter for an unfamiliar debt deserves a closer look. It may mean someone opened an account in your name. Do not pay just to stop the calls. Ask for written validation and dispute the debt fast. If someone misused your information, file an FTC Identity Theft Report. Then freeze your credit and check all three credit reports. Early alerts can help you catch fraud before collections begin. That can save you money, time and stress.
Have you ever gotten a collection letter or call for a debt you knew you did not owe, and what did you do first? Let us know by writing to us at CyberGuy.com.
Before paying a collector, ask for written proof, dispute the debt and file an FTC Identity Theft Report if fraud is involved. (Daniel de la Hoz/Getty Images)
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In one of two decisions handed down on Thursday, the European Commission — the EU’s executive arm and the principal enforcer of the bloc’s competition rules — said Google must give rival AI assistants the same kind of system features and data access it grants Google’s Gemini. The order stems from Europe’s Digital Markets Act (DMA), which requires dominant platforms designated as “gatekeepers” to give competitors access to certain systems and data comparable to what is available to their own services.
Crucially, Google has until July 2027 to make those changes, giving it roughly a year to continue expanding Gemini, negotiate technical details with the EU, and shape how its rivals will eventually plug into Android. The company could also challenge the decision in court, though it has not commented publicly whether it plans to do so and declined to comment on the record when The Verge inquired.
While Google has made it clear it would rather not open its systems at all — arguing it risks compromising users’ safety, security, and privacy — that yearlong runway compounds an already significant advantage. Gemini is already deeply integrated into Android and often ships preinstalled as the default AI assistant on many devices, giving Google more time to strengthen its position before rivals like OpenAI and Anthropic gain comparable levels of access.
Google’s strategy of shipping first and negotiating with regulators later stands in stark contrast to Apple’s. When Apple announced its long-awaited Siri AI assistant last month, it made a big point of saying the feature would not launch in Europe because of the DMA.
As with Android, the Commission said Apple would need to give third-party assistants comparable access to key systems, features, and data to those of Siri AI. Apple argued that doing so “would be irresponsible” and create unacceptable privacy and security risks. The company said it asked the Commission for 18 months to build a compliant version and introduce the required interoperability on a “gradually rolling” basis. The Commission rejected that proposal.
Apple still has no public timeline for when, or even whether, it plans to bring Siri AI to the EU and did not respond to The Verge’s request for comment. Google, meanwhile, just secured the very grace period for Gemini that Apple wanted for Siri AI: time to comply with the DMA while its AI assistant stays on the market.
The contrast may partly reflect where each company’s AI assistant stood when the DMA began shaping product decisions. Gemini has been the central pillar of Google’s AI strategy for years and has been widely distributed across the company’s product ecosystem, giving Google a strong incentive to stay in the market and figure out compliance with any laws later. Apple, meanwhile, unveiled its new Siri AI very recently and chose to withhold it from the EU, despite having had years to anticipate the DMA’s requirements during the product’s design.
Apple also chose to turn Siri AI’s absence into a political weapon, evidently hoping the court of public opinion would find in its favor and pressure Brussels to relax interoperability requirements. It did so publicly and repeatedly, taking the unusual step of dedicating part of its WWDC 2026 keynote to explaining why Siri AI won’t be coming to Europe, publishing a pointed blog post titled “Due to DMA, Siri AI delayed in EU for iOS 27 and iPadOS 27,” and holding media briefings on the issue. It relayed news that China was missing out on Siri AI through a one-sentence footnote. All of this served to cast Brussels, not Apple’s product choices, as the reason for the delay.
It’s also possible that the split is less significant behind the scenes than it appears in public. Google and Apple both vehemently oppose the DMA’s interoperability demands, framing them as threats to privacy, security, and product integrity. The two companies have also worked together on integrating Gemini into Apple’s AI products, including Siri AI, making it plausible that they have remained in contact while exploring different ways to fight the same set of restrictions.
For now, though, the difference is stark. Google has a year to bring Android into compliance while continuing to expand Gemini. Brussels denied Apple this kind of runway, and who knows when Siri AI will reach the EU.
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A medical emergency behind the wheel is terrifying because every second suddenly feels bigger. You are trying to stay calm, stay safe and get help before things spiral.
That is why John Brandt’s story is getting so much attention. His Tesla Model Y helped keep him moving during a heart attack, while his son used the Tesla app to reroute the car to a nearby emergency room.
The bigger takeaway isn’t that your car can replace 911. It cannot. The lesson is that connected-car settings, trusted app access and emergency contacts should be ready before you ever need them.
BEFORE YOU CONNECT ANOTHER SMART TV, TABLET OR PHONE, LOCK IT DOWN
A Tesla Model Y helped keep John Brandt moving toward help after chest pain hit during an early morning highway drive. (Tesla)
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How a Tesla Model Y helped during a medical emergency
Brandt said he was driving from Atlanta to Birmingham on I-20 around 4 a.m. when severe chest pain made it unsafe for him to keep driving on his own. His Model Y had Full Self-Driving Supervised enabled, which helped keep the car on course while he called his son, Jack.
Jack then acted from his own phone. Because he was an authorized driver on his father’s Tesla account, he could send a new destination to the vehicle through the Tesla app. He found Tanner Medical Center in Carrollton, Georgia and rerouted the car there.
He also called ahead, so emergency room staff knew a possible heart attack patient was coming. Brandt later said doctors found three blocked arteries and told him the fast reroute likely saved his life.
Brandt credited his family, the hospital team and Tesla’s technology for helping him survive. His experience also shows why trusted access should be set up before a crisis starts.
Why the Tesla FSD medical emergency feels so personal
This story hits home because it sounds like something that could happen to any of us. You may be driving to help a parent. You may be on a highway before sunrise. You may think you feel heartburn or stress until the pain gets worse.
Most of us think about car safety in terms of brakes, airbags and tires. However, this story shows that app access, navigation settings and trusted contacts can also play a role in a crisis. That does not mean your car becomes a paramedic. It means your connected vehicle can give your family more ways to help if something goes wrong.
Brandt’s experience raises a question every driver should consider: If you suddenly could not manage the trip alone, would someone you trust know how to step in and help?
How Tesla owners can prepare for a medical emergency
If you own a Tesla, start with trusted driver access. Add someone you trust completely, such as a spouse, adult child or close family member. Tesla lets owners add drivers through the Tesla app. Once added, that person may be able to access key vehicle features from their own phone.
Choose carefully. A trusted driver may be able to see your vehicle location and use important app controls. That access can help in an emergency, but it also deserves serious thought.
TESLA ROBOTAXI MIAMI LAUNCH COMES WITH LIMITS
Next, show that person how to send a destination to your Tesla. Do not make this something they figure out during a crisis. Sit in the parked car and test it together.
Have them send a familiar destination to the vehicle. Make sure you both understand what appears on the screen. Then talk through what they should do if you ever call and say something is wrong.
Also save useful locations in your navigation system. Add home, work and hospitals you would likely use. If you often drive between two cities, look at hospitals along that route before you need them.
Why Full Self-Driving Supervised isn’t an emergency plan
Tesla calls the system Full Self-Driving Supervised for a reason. The driver still needs to pay attention and stay ready to take over at any time. Brandt’s experience shows how the technology and app connectivity helped during one frightening emergency. But a Tesla cannot replace 911, an ambulance or a trained medical team.
If you feel chest pain, shortness of breath, nausea, lightheadedness or pain in your arm, back or jaw, treat it as an emergency. Pull over safely if you can. Call 911 immediately. Emergency responders can start care on the way to the hospital and alert the ER before you arrive.
The car’s connected navigation features allowed Brandt’s son to reroute the vehicle to the nearest emergency room from his own phone. (Tesla)
Your car may help your family find you or send a destination. Still, it should never delay a medical call.
How to prepare any connected car for an emergency
You do not need a Tesla to learn from this story. Many newer vehicles have connected apps, navigation tools, roadside assistance buttons or emergency calling features. First, remember this: your car should never replace 911. If you are having a medical emergency, pull over safely if you can and call for help immediately. These steps are about giving your family extra ways to help, not replacing emergency responders.
1) Check your vehicle app access
Open your automaker’s app and review what it can do. Look for vehicle location, shared driver access, remote lock controls, roadside assistance and navigation features. Then make sure your trusted contact can use the app if your car allows it. If the app requires a login, two-factor code or owner approval, handle that now. Also check app access after you get a new phone. Permissions can change when you upgrade. Also, because vehicle apps can show location and control certain car features, use a strong unique password, store it in a password manager and turn on two-factor authentication (2FA) if available. Only give app access to someone you fully trust.
2) Turn on location and alert permissions
Make sure your vehicle app can use location services when needed. Also allow important notifications from the app so you do not miss alerts about your car. Ask your trusted contact to check the same settings on their phone. If they cannot see your vehicle, receive alerts or open the app quickly, they may not be able to help during a crisis.
3) Test sending a destination to your car
Some vehicles let you send a destination from your phone to the dashboard. Others do not. Find out now. Sit in your parked car and send a destination from your phone. Then ask your trusted contact to try it if they have authorized access. This quick test can prevent confusion later. It also shows you what your car will display when a new destination arrives.
4) Learn what your SOS button really does
Many vehicles have an SOS button, emergency assistance button or roadside help button. Do not assume they all work the same way. Check your owner’s manual or automaker app. Find out whether the button calls 911, a private call center or roadside assistance. Also learn whether the system shares your vehicle location. That detail can be critical if you cannot explain where you are.
5) Set up phone emergency features
Your phone may help even more than your car. Add emergency contacts, fill out your Medical ID or emergency information and make sure your family can reach you even when Do Not Disturb is on. Apple says iPhone emergency contacts can receive a text and your location after an emergency call, while Samsung lets Galaxy owners add emergency contacts, medical info and SOS sharing from Safety and emergency settings.
On iPhone
- Open the Health app.
- Tap your profile picture in the top-right corner.
- Tap Medical ID .
- Scroll down and under each section in red, tap Edit or Add .
- Add important details, such as medical conditions, allergies, medications and blood type.
- Scroll to Emergency Contacts and tap Add Emergency Contact .
- Choose a trusted contact and select their relationship to you.
- Turn on Show When Locked and Share During Emergency Call if those options appear.
- Tap
To make sure key people can reach you, go to Settings → Focus → Do Not Disturb → People and allow calls or notifications from your trusted contacts. You can also open a contact, tap Edit , choose Ringtone or Text Tone and turn on Emergency Bypass . Emergency Bypass can allow that person’s calls or texts to come through even when Focus settings would normally silence them.
On Samsung Galaxy
Settings may vary depending on your Android’s manufacturer
- Open Settings
- Tap Safety and emergency
- Tap Medical info
- Add important details, such as medical conditions, allergies, medications and blood type
- Tap Save
- Go back to Safety and emergency
- Tap Emergency contacts
- Tap Add emergency contact or Add member
- Choose your trusted contacts and tap Done
- Turn on Show on Lock screen if available
- Go back to Safety and emergency and tap Emergency SOS to review how your phone calls for help and whether it sends SOS messages to emergency contacts
On Galaxy phones, also check Settings → Safety and emergency → Emergency Location Service and turn it on if available. This can help share your location with emergency responders in supported regions.
To let important calls through Do Not Disturb, go to Settings → Notifications → Do not disturb → Calls and messages or Allowed during Do not disturb , then allow favorite contacts or selected contacts. Favorite contacts can be allowed through while Do Not Disturb is on.
6) Keep a written backup in the car
Technology can fail. Phones lose battery. Apps can lock you out. Keep a small emergency card in your wallet or glove box. Include emergency contacts, allergies, medications and your preferred hospital. If you have a heart condition or another medical concern, ask your doctor what details should be listed.
7) Review access every few months
Trusted access should not be set once and forgotten. Remove anyone who no longer needs access to your vehicle app. Add someone new if your family situation changes. Also update emergency contacts after a move, phone change or major health update.
Kurt’s key takeaways
John Brandt’s story is scary because it could happen to anyone. His Tesla helped, but the real lesson is preparation. If your car has an app, know what it can do before an emergency. Add a trusted family member, test the navigation tools and make sure your phone’s emergency features are filled out. A car should never replace calling 911. However, the right setup can give your family one more way to help when every second counts.
If your car were involved in an emergency, would your family know what to do? Let us know by writing to us at CyberGuy.com.
The story is a reminder to set up trusted app access and emergency features before you ever need them. (Tesla)
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Skullcandy announced a new version of its Crusher wireless headphones today featuring a few of Bose’s audio technologies including its QuietControl ANC and head-tracking spatial audio. The Crusher headphone line differentiates itself from the competition through the use of both full-range and dedicated bass drivers in each ear cup to boost deeper frequencies. Skullcandy admits that approach can result in a loss of audio quality when the bass is heavily boosted, but its new Crusher 1080 ANC are meant to address and improve that with Bose’s help.
Available starting today for $279.99 in black, candy, primer, and cement color options, the new Crusher 1080 ANC feature redesigned drivers with a stiffer diaphragm material resulting in enhanced clarity and detail with less distortion at higher volume. As with previous models in the Crusher line, the bass boosting is entirely adjustable using Skullcandy’s mobile app or the on-headphone controls that now include a more prominent dial on the outside.
The Crusher 1080 ANC will be the first non-Bose headphones to feature that company’s TrueSpatial audio technology with head tracking that works whether you’re stationary or out for a run and its WaveForm audio engine that “keeps audio full, balanced, and smooth.” Skullcandy’s latest will also offer industry-leading noise cancellation with Bose’s six microphone QuietControl ANC tech that adapts as sounds around you get louder or quieter. The Crusher 1080ANC even features Bose’s SpeechClarity that reduces noise so your voice comes through clearly during a call, but they’re not the first third-party headphones to offer it.
Battery life is estimated to be up to 60 hours with ANC turned off, or 50 hours with it on, while a 10-minute rapid charge will keep the Crusher 1080 ANC going for up to four hours if they die. There’s multipoint pairing for connecting and switching between multiple devices, auto reconnect and wear detection that pauses music when you take the headphones off, and a design that folds flat for easier storage. The Crusher 1080 ANC supports Bluetooth 5.3 with LE Audio, low latency audio, and Auracast.
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