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I have had about 6 calls in the last year from an overseas call centre where more often than not a lady has identified herself as being from Microsoft and advised me that my computer is infected with a virus. This happened to a friend a while ago and she started to go down that path until they asked for a credit card number.
No Vendor will ever ring you directly like this. I doubt that even Microsoft would try to maintain a database of ipaddress to users especially when most home users are on a system where they are randomly leased an address from a pool of addresses owned by their service provider (ie their address is not static). Likewise if somebody calls and says they are from your bank and asks for login/passwords to your internet banking accounts I would be suspicious.
With the recent eBay announcement asking members to change their passwords due to a security breach, most users reset their passwords immediately.
I have had about 6 calls in the last year from an overseas call centre where more often than not a lady has identified herself as being from Microsoft and advised me that my computer is infected with a virus. This happened to a friend a while ago and she started to go down that path until they asked for a credit card number.