You lowering my credit score people

I receive this sms yesterday afternoon and I don't know anything about loan tracker as ,so may please make sure that you clear all this as I never sign anything with you .

And note that even if you Fail to clear I won't pay anything. ( Miss Mdlalose. Ref ?you are in arrears with your account which is a material breach on your part to comply with our service mandate and agreement entered into. You remain liable for all amounts owing to us in terms of the said agreement. Kindly make payment within 24 hours to avoid being handed over for legal collection. Loan Tracker SA, ***)