I received an email saying I owe money and if I don't pay within 24 hours papers will be filed. But the funny thing is they have my child's ssn. And she has never filed, and nor have I using her ssn.
This is a criminal extortion scam operating out of India. They are making the calls utilizing VOIP and the names of legitimate firms to make it appear the calls are originating from within the US. There is NO "company" or "debt" and you will NOT be arrested. They are harvesting and/or buying consumers' personal identifying information from unscrupulous websites like the one you may have filled out an application with, and you need to do whatever you can to protect yourself. This includes: Notifying the FTC: https://www.ftccomplaintassistant.gov/, placing fraud alerts with all three credit bureaus, notifying your bank and employer and letting these criminals know you are aware they are attempting to extort money for a non-existent debt and have alerted the authorities.
ABC News released an investigative report on this scam in June. The FTC has indicted one of its ringleaders for criminal fraud:
Received same call from a Joseph Martin and email to my Gmail account with accurate personal information. With legal documents requesting a Western Union payment or MoneyPak with receipt payment of $870.65 or $520.00 settlement. He sounded like he had an accent and the call was not clear. Unfortunately, I sent the MoneyPak information and began investigating which appeared to be a scam. Immediately called MoneyPak after sending info to Joseph Martin and they were able to secure my money and will send a check refund. I am glad I followed my instincts. Because if it does not feel good it is not good.