I got a call from this company saying I took a loan out back in 2012. They also stated I was going to have 4 different criminal charges and would be receiving a court summons. The personal information they had was outdated by 8 years. They demanded a payment of 650 dollars and when I told them I had no money they said they would settle out at 450. I told them no, that this may have been fraud and identity theft. Jada the rep then told me she will send it to their legal department and hung up on me. I was extremely worried, and ended up calling an attorney.