Legal analysis: 1. It is possible that the information has been stolen. After it is clear that you do not have a loan, but you really owe a certain amount of the loan, you need to call the police to resolve the debt dispute.

2. If the information is not stolen, then it may be that a friend owes an online loan. In this case, you need to call to verify whether the friend owes the loan.

3. It may be that you have browsed a loan-related website, which led to the leakage of personal information. The loan company will use this as an excuse to attract new users. You should be more careful in handling similar incidents.

Legal basis: "Public Security Administration Punishment Law of the People's Republic of China" Article 42 Whoever commits any of the following acts shall be detained for not more than 5 days or fined not more than 500 yuan; if the circumstances are more serious, , be detained for not less than 5 days but not more than 10 days, and may also be fined not more than 500 yuan:

(1) Writing threatening letters or threatening others’ personal safety in other ways;

(2) ) Blatantly insulting others or fabricating facts to slander others;

(3) Fabricating facts to frame others in an attempt to subject others to criminal prosecution or public security management penalties;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) Repeatedly sending obscene, insulting, threatening or other messages that interfere with the normal life of others;

(6) Peeping, filming, eavesdropping, or disseminating other people’s privacy.