False accusations of identity theft after using NATIONWIDECASH.COM for a PAYDAY LOAN

Firstly, given the fact that they are interested in your pay amount and bank info for verification and SSN# is not a relevant part of the process I have been accused of using multiple ssn# on different applications for payday loans. The state is investigating me because this company faxed a letter to my job accusing me of fraud( a tactic they do to some customers). I went online and realised they practice to defraud people and debit their accounts without authorisation. Could they be running an internal scam and now are trying to pass the buck on me because i did indeed attempted different times over six months BUT never with someone elses numbers. I got and repaid my loan only once out of the times i attempted, What should i do...anybody ever heard of this......?