I have been repeatedly contacted by a company called Empire Mediation Services, but only refer to themselves as EMS. Their initial call was to tell me that I had taken out a payday loan in XXXX XXXX that I did not pay back. I asked who the creditor of this loan is and was told XXXX XXXX. When I asked what city and state this company is located in I was told that they do n't know. I asked how this loan was taken out and was told online. After telling the company that I did not take out a loan they told me if I did n't do something today they would sue me. I was told that the creditor had direct deposited {$300.00} into my bank account in XXXX XXXX. I indicated to the company that I never had a loan like this and they have the wrong person. I was then told that they hoped I enjoy getting court papers and being sued. I indicated that I do want to go to court with them so this can be cleared up. I have had numerous calls from this company with the same debt. I have been told that they will be filing charges with the court for defrauding a financial institution and writing a bad check. I asked them to please move forward with this process as I want to go to court with them. I have been given different dates that I supposedly took out this loan, with their staff switching between dates in one phone call.I have been told on one occasion that when the creditor had tried to cash my check they found that my account was closed with my bank. When I said that I have had the same account for over a decade, the reason for the check not clearing was non sufficient funds. I asked what the date was for this and received yet another date. I have not received the verification of the debt and creditor as requested. I have also yet to receive any court documents or notice of a lawsuit being filed against me as I was told would happen. I have looked into this type of scam with the Michigan Attorney General 's office and feel that this company is perpetrating a fraud against me with the intent of getting money from me that I do not owe. I have also pulled copies of all of my bank statements from 2 years prior to the earliest date this company claimed and 2 years after the latest date this company claimed. There are no deposits from any loan company or any direct deposits other than my own paychecks or verified agencies such as the IRS. There are also no incidents of NSF in this time period as claimed.