Well they are calling my 12 year old who I am positive hasn't borrowed anything, nor does he have any debt.

Shouldnt loan money to poor people that they know do not have the means to payback. Tempting and tantalizingly.

You probably owe them money too, which is why you found this forum...

Why are you here?

Have been getting calls 5-8 times a day, usually two at a time (from a Columbus number and a Dayton number), and usually between 9 and 10 a.m.  Not sure how CheckSmart got my number because: 1) although I used to live in Columbus several years ago, I now live in South Carolina, where I have not seen a CheckSmart in my vicinity; and 2) I have never stepped foot in one of its facilities.  Checked annualcreditreport.com to see if someone used my identity to default on a debt with these schleprocks and my credit is still as strong as it has been.  I am pretty confused why they need to call me like I've defaulted on a car loan and am hiding out with their collateral.  What is wrong with you guys?