Person states that I have taken out loan which I have not. When I pressed him for information, he kept hanging up on me. He called me at work, and he told them that I had a legal problem. I work at a hospital so that is a problem. He also told me that I will be arrested. I have filed a complaint with the Federal Trade Commission, and two credit report agencies. I am filing a report with the police tomorrow. I like the whistle idea. I might try that too.