A debt falls within the scope of the Rosenthal Fair Debt Collection Practices Act even if the consumer being dunned does not actually owe the debt and did not enter into the consumer credit transaction that the debt collector is attempting to collect.  Under Civ. Code, § 1788.2(f), a consumer debt is money due or owing, or alleged to be due or owing.  A consumer wrongly dunned for a debt he doesn’t owe falls within the second part of that definition.  Here, a contract for solar power generated by solar cells installed on the consumer’s house’s roof was a credit transaction since the cells were installed and the power was generated before the consumer was to pay for them.