Here is what's going on. At some point in the last 5 years you applied for an online payday loan. Weather you got the loan or not does not matter. Payday loan systems are a victim of hacking more than they lead you to believe. A lot of time when you apply for a loan at one company you trust it is sent to multiple other companies to try and get you approved. And sometimes these other companies security is not up to par. Once the hackers gets in they look for delinquent loans and loan request that were not approved. This is how they know your employer information and your personal info.  Whatever you put on the application when you applied. That’s why they may be calling your old employer or have an old address. As far as the name of the company he says you owe. Its phony the BBB has been trying to track down this supposed company for about 3 years now. You can look it up on their site. He is not in the U.S so there isn’t much you can do but block the number. I tried to get an address out of him to send a payment. I was told they don’t get mail. The only way I could pay was a western union transfer. And I couldn’t get the info on where to send the payment until I was at the agent location and in line. Yeah that sounds legit. Best thing you can do is not to engage him at all. if he knows someone will answer the phone he won’t stop