Why do I receive collection text messages when I don’t have a loan?

Possible reasons for receiving collection text messages without receiving a loan:

1. Your mobile phone number has been bound to a bank card or third-party platform by someone who has used it before. If there is a loan, collection text messages are sent to the bound mobile phone number.

2. You have borrowed money elsewhere, and in order to contact you, the third-party collection agency will send collection text messages under the guise of other channels.

3. Personal information was leaked, someone borrowed money in your name, and the loan was overdue.

Extended information:

If personal information is leaked, we can take the following three forms:

1. If the individual encounters information leakage, he or she has the right to immediately Request network service providers to delete relevant information or take other necessary measures to stop it.

2. Individuals can also make complaints and reports to the public security department, Internet management department, industrial and commercial department, consumer association, industry management department and relevant institutions.

3. The China Internet Illegal and Bad Information Reporting Center under the Cyberspace Administration of China also accepts and handles reports from the public on illegal and bad information on the Internet.

Legal basis: Article 1034 of the "People's Republic of China and Civil Code" The personal information of natural persons is protected by law. For private information in personal information, the regulations on privacy rights shall apply; if there are no regulations, the regulations on personal information protection shall apply.

The personal information of natural persons is protected by law and may not be infringed upon by any organization or individual. If personal information is leaked, you can be required to bear infringement liability.

Legal basis: "The People's Republic of China and the Civil Code"

Article 1034: The personal information of natural persons is protected by law.

Personal information is a variety of information recorded electronically or in other ways that can identify a specific natural person alone or in combination with other information, including the natural person's name, date of birth, ID number, biometric information, address, Phone number, email address, health information, whereabouts information, etc.

For private information in personal information, the provisions on privacy rights shall apply; if there are no provisions, the provisions on personal information protection shall apply.

Article 1,035 When processing personal information, the principles of legality, legitimacy and necessity shall be followed, excessive processing shall not be allowed, and the following conditions shall be met:

(1) Obtaining The natural person or his guardian agrees, except as otherwise provided by laws and administrative regulations;

(2) Disclose the rules for processing information;

(3) Clearly state the purpose of processing information, Method and scope;

(4) Do not violate the provisions of laws, administrative regulations and the agreements of both parties.

The processing of personal information includes the collection, storage, use, processing, transmission, provision, disclosure, etc. of personal information.