I hope it will be! The creditor says something along the lines of “you’ve confirmed your phone number using SMS code so it must be you; no, we won’t tell you which number we’ve sent the code to, that would be privacy violation”. I’ve tried everything I could do online and nah, nobody really cares.

I think I still can dispute it in court, but for that I’ll have to go back to Russia. (I could hire a lawyer, but the amount is like $300.)