A guy with a foreign accent has called me several times claiming that I took out a payday loan in June of 2008 and told me it was deposited into Regions Bank. After checking with Regions Bank, no money was deposited into that account because it had already been closed. I called the local sheriffs department and went and spoke with an investigator. The investigator even called the number and tried to get information from the guy and the guy refused to give the sheriffs department any information the hung up on him. After about a month I started getting these calls again.. Can someone tell me what I and others like me can do legalally.