What should I do if I receive a dunning message and have no loan?

If you don't have a loan, but you receive a dunning message, you can take the following measures:

1. Ignore it: If you are sure that you have not borrowed money, you can completely ignore such a message. Don't click on links in text messages, especially some old Android phones, because this may involve the risk of personal information disclosure.

2. Wait patiently: If you are worried that you may forget some loans or borrowings, you can log in to official website to check the credit report and see if there are any online loan records. If you find that there is indeed a loan record, you should contact the platform immediately to pay off the money.

3. Verify the information: If the personal information in the collection message matches you, it may be the loan or loan you applied for before. You can try to verify the information through the court electronic delivery platform. Most courts will send it electronically by telephone 12368. You can call 12368 to inquire about the case and transfer it to the relevant court.

4. Provide proof: If it is determined that the loan in the SMS is not yours, you can provide relevant proof and contact the staff to modify the credit record. In this way, you can ask not to receive the reminder message.

5. Delete directly: If you are sure that there is no loan or loan, the best solution is to delete these collection messages directly and do not take any measures, because unless you are overdue, the other party cannot take any legal action against you.