never received loan

because even if you never got a loan just by applying for one it opened you up to scammers that try to use illegal tactics to scare money out of people.first file a police report as you were harrassed.second if you have the name of the pdl file AG,AND FTC complaints asap.then ignore them.you never got a loan,and these supposed lawyers are nothing of the kind.just scammers lying to scare you.however i would watch your bank account now or close it and open a new one as that one will never be safe again.

Follow Paul's advise. These bottom feeders scare people into sending them money, so that's why the won't go away.

I've heard that by applying for a credit card or loan (with a bank or a credit card co.), we're actually agreeing with the creditors to share our names with other creditors or illegitimate companies (which often have a virtual presence only). Is it true? Can't they protect our identity? If it's true, I have every reason to believe that it's gonna destroy a long-term bond that we share with our bank.

well not always.only ipdl sites,and sub prime cc sites seem to be the main culprits.however if you go on a site check to see if it is a secure sight.meaning any info posted will remain in that site and not be compromised.most if not all bank sites,and merchanys have that feature.you will see a window stating such.something like.

you are about to got to a secure section do you wish to continue?or you are about to leave a secure scetion do you wish to continue?if you see those then the sight you are at is secure,and any info will not be comprpmised.