What should I do if I don't borrow money from Lender Bao but receive a dunning message?

It is possible that someone is using your name to borrow money under a pseudonym. You should find out whether this is the case. Many borrowing companies have methods to collect credit information, which will lead to bad credit information. Bad credit information will affect your future mortgage and car loan, so be careful. Make yourself clear first. If someone does borrow money in your capacity, you can contact the local police as soon as possible.