It's inhuman to throw stones at the moon. It illegally enters information before accessing the credit information system, and its own business is illegal before accessing it! Will the People's Bank of China admit it? However, private entry does not help, but is used as a blackmail tool. Even if it is returned, it will be slaughtered, because the new version of the credit information stipulates that from the moment it is paid off, the bad records will still be kept for 5 years, 5 years! Do you want it to blackmail at will? The only way out is to complain to the Prime Minister on the Chinese government's internet and jointly resist this black-hearted company that eats people and doesn't spit bones! If they file a case, it's a fart. If they can't file a case, even if they sue, they can't repay the principal. You really can't. There's nothing anyone can do. It's not illegal. It's just a private lending dispute. This illegal usury is illegally engaged in financial business. You can leave a message and report it on the Chinese government's website. There is no other way. If you don't return it, it will hack your credit information, because it has accessed the credit information system of the People's Bank of China on April 20th, and illegally entered the information before accessing it (in the past, it was forbidden to enter it) to blackmail you. In fact, at this point, even if it is painful to be blackmailed, it will not help. It will take five years from your "paying off the penalty interest" (essentially being blackmailed) to the elimination of PBOC's bad credit record. The only way is to leave a message to the Prime Minister on the Chinese government website, asking the People's Bank of China to completely cancel the credit information illegally entered by illegal usury companies such as Jieyue. The so-called hotline of the People's Bank of China, the so-called complaint (it's no use running off your leg), might as well give it a try to ensure that you are desperate enough to doubt your life.