I have been receiving these calls from two different numbers. Both callers have stated the same info telling me that i took out a payday loan and did not pay it back. I have NOT taken any loans out! I contacted the "attorney generals" office on both of these numbers, and was told directly that this is a scam and to not give any information about yourself to these people. They have obtained your info from a web source and are using it to try and scare people out of their money. The secretary at the attorney generals office instructed me to file a complaint with the better business burea, and to also put a "FRAUD ALERT" on your credit report. It doesnt cost anything, last for 90 days and they will contact you if anything shows up that is suspicious on your credit. The number for TRANS UNION CREDIT is 1-800-680-7289 good luck to all of you!