I have never taken out a loan on a 360 IOU. How did I receive this message? Has personal identity information been stolen?

It can be said that I did not apply for a loan at all. This situation is either fraud or routine loan, and I should completely ignore it. As for whether to disclose personal information, this cannot be proved.

But for such short messages, you must be dismissive, don't reply, don't disclose personal information, and don't bind your bank card to prevent being cheated. Even conventional loans must be avoided, because conventional loans are also disguised fraud, which will make the lender bear an unbearable burden.