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A company claiming to be ACS Inc. claims that my wife took out a payday loan and never paid it back. We have no record of this. They have been calling her co-workers, giving out her social security number and threatening legal action. I spoke to one of them and told him we would gladly pay them if they supplied us with anything showing that she took out this loan. They e-mailed me a payment arrangement and nothing more. I replied that I needed something proving that we owed them anything. I got an automated response saying that my e-mail went into a spam folder. They are rude, threatening and my wife is becoming physically ill and she may soon get in trouble at work for these harassing phone calls. I have tried to get information about this company on the internet with no luck.