Legal analysis: If you have never made a loan, don't worry, don't pay attention. Even if your identity information is fraudulently used, it is illegal for others, but not for you. If you are really worried, you can check your credit report.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.