You can contact the court to find out the authenticity.

Generally, the bank may only report the case if it is overdue for more than 6 months. If you are not overdue for a long time, it may be a collection company. If you are not sure, you can contact the court to see if it is true. .

In civil litigation, the bank directly files a lawsuit against you in court; while in reporting a crime, the bank goes to the public security agency. After the public security agency files the case, the procuratorate will initiate a public prosecution at a later stage. Normal collection is reasonable and legal, and you must have a correct attitude. If the collection is harassing, threatening, or harassing your friends and family, you can directly complain to the other party. According to Article 68 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", it is expressly stipulated that collections can only be made against the debtor himself and my guarantor, and not third parties unrelated to me.