I've never got a loan, and Bai Qian always sends me prosecution information?

In order to ensure the security of your account, in case someone borrows your personal information to get a loan or something, you'd better go to the bank to check your personal credit information.

Generally speaking, there should be no problem, so this short message that is often sent to you must be a scam message.

If there is a problem, someone must borrow money on some platforms under the guise of your information. You can complain to the bank or collect evidence to sue in court.