message from Kredit Coin Loan app from repayment

Name of Complainant Tarun
Date of ComplaintJuly 3, 2022
Name(s) of companies complained against
Category of complaint Cyber Crime
Permanent link of complaint Right click to copy link
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Text of Complaint by Tarun:

received a message from Kredit Coin Loan app for repied loan but I am loan taking any loan from him.
message are in below –

Important Notice ❗ *[KreditCoin]*Dear user, we regret to inform you that your loan on *[KreditCoin]* is overdue. Despite our best efforts to contact you and request payment, your loan has not been repaid. If you don’t pay, it will be considered a *serious* violation and we will take legal action against you. Worst of all, you will be identified as a willful defaulter, will be convicted of wilfully defrauding a loan, and criminal proceedings can be instituted under Sections 403 and 415 of the Indian Penal Code, 1860 (IPC). Your case will be heard in public, and your family, friends, colleagues and leaders will be contacted for audit and hearing. So please consider this text message as our last chance to remind you.
If you are interested in negotiating payment, please log in *[KreditCoin]*
Download link https://bit.ly/3Hj3kjW

Please help me and tell me what can I do for this type of haresment.

Image Uploaded by Tarun:

message from Kredit Coin Loan app from repayment

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