My question involves collection proceedings in the State of: Indiana

My uncle kept getting calls from this number trying to reach me. I called them yesterday. They said their company is called Absolute. I asked what it was regarding and they said an online payday loan that I took out in 2012. They said something about Bancorp. Wanted to know if I had a loan out in 2012 etc. They were trying to tell me if taken to court I would have to pay court fees plus the $500 that I owe. That I would be charged with 2 counts of fraud. First off, the loan wasn’t taken out in 2012 it was taken out in 2011. Second, I had every intention of repaying the loan until they started debiting way more than was agreed upon in the agreement. I’m talking hundreds of dollars. I almost lost my apartment because of it. I went to the bank in tears bc they kept taking so much out. They told me I could have the account closed and open another one to stop payments, so I did. I don’t remember them trying to contact me after that. I moved 8-9 months later for work and had that email open for 2-3 years after I moved. Until I closed it and went with gmail.I don’t understand why someone is just now contacting me and threatening to take me to court and charge me with fraud. It’s been 6-7 years since I even had the loan. It’s not even on my credit report. What should I do?