If you filled out loan aps online, this is one way they manage to steal folks information. Its not hard for them to search and gain other information even if its old.  Even if you had taken a loan, they can not use fraud nor file fraud. Debt is a civil matter, not criminal, not even for a payday loan, which in some states is illegal BTW.

You can go here and see the laws for your state, also links there for who to file complaints with as well.
Payday loans
http://www.paydayloaninfo.org/state-information

For Extortion Scam Operations,  File reports with the FBI, your state attorney general and Department Of Justice,CFB,FTC & FCC..  Emails can be attached to complaints filed with IC3, the cyber crimes division of the FBI.
www.naag.org (you can find your state AG at this link).

http://www.nw3c.org/
http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
https://consumercomplaints.fcc.gov/hc/en-us
http://www.fraud.org/
http://www.stopfraud.gov/report.html
Tip off FBI about this extortion attempt by filing form at: stips.fbi.gov/
http://www.consumer.ftc.gov/blog/haunted-phantom-debt

Also see here:
http://800notes.com/arts/I2neMkbUAAo/where-to-report-phone-crime
https://www.westernunion.com/us/en/fraudaware ... and-answer.html

Also read up on the laws and your rights:

http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

And see:
http://www.dfi.wa.gov/consumers/alerts/nationwide-debt-association.htm
http://www.fbi.gov/scams-safety
http://www.ic3.gov/media/2014/140627.aspx
http://800notes.com/forum/ta-944ec1426a8bcbb/ ... service-attacks
http://www.clarkhoward.com/news/clark-howard/ ... r-phones/ndF4c/
http://www.net-security.org/article.php?id=1828
http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
http://800notes.com/forum/ta-b95e185ca7ca356/ ... debt-collectors
http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
http://www.fdcpa.me/fake-process-server-injunction/
http://800notes.com/forum/ta-9413b3202bc8b6c/ ... net%27s-tactics
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http://6abc.com/archive/7806938/
http://dfi.wa.gov/consumers/alerts/cashnet-payday.htm
http://www.cashnetusa.com/consumer-notices
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Extortion Scam Related to Delinquent Payday Loans

Washington, D.C.
December 07, 2010  FBI National Press Office
(202) 324-3691

— filed under: Press Release

The Internet Crime Complaint Center has received many complaints from victims of payday loan telephone collection scams. Callers claim the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. The callers purport to be representatives of the FBI, Federal Legislative Department, various law firms, or other legitimate-sounding agencies. They claim to be collecting debts for companies such as United Cash Advance, U.S. Cash Advance, U.S. Cash Net, and other Internet check-cashing services.

According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started.

The fraudsters relentlessly call the victim’s home, cell phone, and place of employment. They refuse to provide any details about the alleged payday loans and become abusive when questioned. The callers have threatened victims with legal actions, arrests, and, in some cases, physical violence if they do not pay. In many cases, the callers harass victims’ relatives, friends, and employers.