Good afternoon Tosha,
I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
The word estranged means there is a situation where the person you are married to and you are living apart, and are not actively participating in your marriage.
You will want to pull your credit reports from the top 3 credit reporting agencies and look to see whether a loan was taken out using your name and social security number. If there is no record of such a loan then it is pretty unlikely that there was a loan taken or that the calls from this loan company are anything other than a scam.
If you children are minors, they would probably not have any financial information about them anywhere, though again, if they are still minors, you could ask the credit reporting companies to check to see if your children's names and social security numbers show any credit activity and determine whether they have been the victims of identity theft. If you find any evidence of fraud or identity theft, then you would want to immediately report the crimes to the local police.
Here's how to contact the three major credit bureaus to ask about or obtain your credit report or credit score, alert creditors to a possible fraud using your name, or for any other reason:
Equifax:(###) ###-####(general) or***-***-**** (fraud); P.O. Box 740241, Atlanta, GA 30374; www.equifax.com
Experian:(###) ###-####(general and fraud); PO Box 2002, Allen, TX 75013, www.experian.com.
TransUnion:(###) ###-####(general) or***-***-**** (fraud); P.O. Box 2000, Chester, PA 19022; www.transunion.com.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
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I wish you and yours the best in 2016,