Couldn't you just freeze all your credit reports and never give Adobe your real name, address, phone number, and they wouldn't be able to affect your credit.
I see Adobe as equivalent to a grocery store, they're just a business and don't have a legal right to any personal information, I could totally manifest to them as an avatar and pay for services with an anonymous Visa gift card.
Sure, I don't think Adobe would pursue this and you could just try and stay anonymous to most contracts. But you can't do that to all your payment obligations, so I thought "don't talk to collections" might be a dangerous advice to give out for others. Strictly following that could lead to real negative consequences in some situations.
I see Adobe as equivalent to a grocery store, they're just a business and don't have a legal right to any personal information, I could totally manifest to them as an avatar and pay for services with an anonymous Visa gift card.