I understand what you are saying regarding the privacy issue after reading your SWH. If you had put that in the original post, I think it would have helped people to understand where you are coming from. I would be really unhappy to get a bunch of telemarketing calls because of this, and I would tell them to put me on their Do Not Call List.
What I am surprised about is that you know who gave out your name. Usually those marketing folks don't share that info.
As far as a job reference is concerned, it is just DUMB, or a complete gamble to use someone as a reference without asking first. What I did as a manager was call all the references of someone I was considering hiring. If the person said that the only thing they could do was say that the person did indeed work for that company, I knew that they were not asked, did not care one wit about the person, or did not think they were a good employee. I usually moved on.
I have never been asked to be a credit reference, so I don't have any experience with that.
Dawn