InDebted Corporation CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
03/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 296XX
Web
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX In this letter , I gave 30 days notice for XXXX XXXX to respond and provide me with the information that I requested. Additionally, I requested that XXXX XXXX cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that XXXX XXXX cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). XXXX XXXX continues to ignore my requests, and XXXX XXXX has failed to provide me with the validated debt they claim I owe them. XXXX XXXX has apparently placed this alleged debt into the hands of a third party, InDebted Corporation, and I have received a total of XXXX XXXX emails from InDebted Corporation. These emails began on XX/XX/XXXX, with the most recent email today, XX/XX/XXXX. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed allegeddebtmust be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the InDebted Corporation et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this motion for the record on the public record to be made part of the record, and does put XXXX XXXX et al and InDebted et al on notice, due to continually demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by XXXX XXXX et al, and InDebted et al. XXXX. InDebted Corporation et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that your client named above is the holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. XXXX. InDebted Corporation et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. XXXX. InDebted Corporation et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request adescription of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, InDebted Corporation et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( XXXX ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay InDebted Corporation et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the XXXX ( XXXX XXXX XXXX ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about InDebted Corporation et. al. authority to collect the alleged debt : whether InDebted Corporation et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If InDebted Corporation et. al. are contacting XXXX XXXX from of the state, provide the licensing information from InDebted Corporation et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from XXXX XXXX et. al, XXXX XXXX gives notice that : InDebted Corporation et. XXXX XXXX XXXX et. al. engaged in, and continue to engage in : negligence and harassment against XXXX XXXX by unlawfully and illegally placing the alleged debt with a third party debt collections agency who has been continuosly harass XXXX XXXX via email every week for the last XXXX months. These harassment and manipulation tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, XXXX XXXX et.al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORMThis questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, XXXX XXXX et. al and InDebted Corporation et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before God [ Titus 1:2 ] this 10 day of XX/XX/XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent :
03/15/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44011
Web
XXXX, XXXX I reached out to the XXXX credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( Delta Outsource Group ) jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed on XXXX from my credit profile I sent the letter to the direct furnisher asking that this account be removed do to its inaccuracy, after days gone by, I received correspondence on XX/XX/2021 saying that the letter didnt provide sufficient information to investigate, so I submitted another request in addition to get a resolution for this erroneous account, unfortunately I was unsuccessful again for the second attempt, I got replied the same response as before so I Battled with this furnisher for months going back and fourth getting nowhere wasting time, energy and money that I did not have in a spike of a pandemic jeopardizing my health and families, Till finally I received a letter stating that they had a chance to investigate this matter and made some adjustments and modified the loan and switched information around that they reported accurate in the past! So how was this information verified accurate in the first place? Before investigating this information I was told this information was verified accurate, which was contradicting to themselves and also I notified and disputed this account with the Credit reporting agencies figuring Ill at Least get a fair investigation, upon a additional 30 days unfortunately I had no luck and was giving the same contradicting response as the furnisher I feel the XXXX CRAs have not only violated my rights as a consumer with what they have allowed this furnisher to report on my credit profile putting me and the integrity of my credit at great jeopardy but also they have violated FCRA LAWS and Consumer I feel the proper actions should be taking against them. I received a letter from a new creditor name ( Delta Outsource Group ) that I had no acknowledgement of requesting a unknown debt to be paid I challenge them and they stated they now manages the old Creditors account under a new business name because the debt was sold to them which I never gave any consent or authorization to do business with this new creditor in the first place not even verbally so how can you say a debt is mines?? so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of USPS receipts, Im asking that you please remove this account off my credit report.
12/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OK
  • 735XX
Web Servicemember
XX/XX/, I was told by XXXXXXXX XXXX call center representative XXXX, that my XXXX credit card with XXXXXXXX XXXX had been sold to a 3rd party called Indebted XXXX due to me being 6 months behind on payment. The balance on my credit card was then {$320.00} at that time. While my limit was {$500.00} She provided me with the phone number to Indebted XXXX to make my payment. I contacted Indebted XXXX XXXX XXXX on XXXX and I made the payment of XXXX, after making the payment.. I received NO confirmation nor receipt of payment. I continued to call Indebted XXXX as well as XXXXXXXX XXXX over and over again, I even tried to dispute with my bank. I was told by XXXX XXXX that Indebted XXXX has not sent them the check yet. I was told by Indebted XXXX that there was a glitch in the system and that my payment should reflect shortly. Finally in XXXX XXXX I spoke with a supervisor by the name of XXXX XXXX with XXXXXXXX XXXX, who told me all of my calls and complaints were documented and everything I explained aligned with what his data. He informed me that a week after XXXX ( call center rep ) informed me that my account was sold to Indebted XXXX my account was reversed BACK TO XXXX AND NO LONGER WITH INDEBTED. I have never ever notified of any of these changes!! He then instructed me to send a letter explaining everything with my attached BANK STATEMENT as proof that I paid debt. In my letter I requested the issue be resolved and that the false credit reporting be corrected. Weeks later I received a letter in the mail explaining that the investigation was pending and I would receive a temporary credit and there would be no balance on my credit card. Weeks after that I received another letter stating that after investigating, my claim could not be supported and that the credit they provided me would be revoked. Leaving me with a balance if now over {$400.00} I contacted XXXX XXXX and they told me that my claim could not be supported because I could have disputed the charge since that bank statement. I WAS NOT ABLE TO DISPUTE TRANSACTION WITH MY BANKS DUE TO EXCEEDING THE 60 DAY TIME WINDOW. Since then I have given up the fight and decided to pay XXXX XXXX in attempts to XXXX out my balance AGAIN, since then my credit is STILL NOT REFLECTING. My credit report is stating that I have a balance of XXXX with a limit of XXXX which means Im using XXXX XXXX of my credit which is badly affecting my credit. Weeks later I received another letter stating that because of my revolving credit my card limit is now XXXX, but I never received anything about my XXXX out my balance.
10/19/2023 Yes
  • Debt collection
  • Other debt
  • Electronic communications
  • Frequent or repeated messages
  • FL
  • 32765
Web Older American
On XX/XX/XXXX, I received an email from XXXX. The email claims that their client, XXXX XXXX, has placed my account ( s ) with them to get {$25.00} from me. The account ref number they gave me is XXXX. I replied by email on the same date : " insufficient information provided. Please provide specific details. '' Note that I did NOT BUSINESS with a company called XXXX XXXX At XX/XX/XXXX EST, I received an email response from the same email address, a person calling herself XXXX XXXX XXXX XXXX only additional info she provided was : Product Vendor : XXXX XXXX ( NSF Fee ), Referral Date : XX/XX/XXXX, Balance : XXXX USD. In the email she says " If you require an invoice or a statement of account, I recommend reaching out to XXXX XXXX ( NSF Fee ) directly ''. I asked again what the {$25.00} is for, and for more specific information. I am hesitant to call this XXXX XXXX, even if I had their tel number because I do not know if this is a scam. I told her that I suspected that she is not a legitimate debt collector, but a scammer. I sent a follow-up email, telling her that I am not responsible for any NSF Fee and that she was still not providing me with the necessary details. I asked that if XXXX provides services for ANOTHER COMPANY with whom I may or may not have done business, then perhaps I can make a determination. I informed her of FRAUD committed in my Bank account requiring it to be credit only and then closed. I asked for the professional license number in the state of FL and the name, address and tel # of the " original creditor ''. Due to the fraud committed in my bank account, I am leery of any communications with parties I do not know. And I am not getting enough info from them. Please advise. I am unsure if I should cut off communication with them. But I also do not want any negative mark om my credit files. The info about the sender of the email is that it is purportedly from XX/XX/XXXXMO XXXX ( https : //indebted.co )
06/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92507
Web
XXXX and Indebted USA have violated my rights. I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent XXXX, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. XXXX remained silent and acquiesced to the contract. Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports. Furthermore, I received a collection letter from Indebted USA, demanding that I send in a payment for a past due amount. I do not have a contract with Indebted USA. XXXX and Indebted USA have violated my rights. 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692b ( 4 ) not communicate by post card ; 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions..
11/19/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28208
Web
I am a consumer as identified in FDCPA XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). XXXX XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to InDebted. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the XXXX XXXX, which requires all financial institutions to maintain XXXX to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
08/17/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • OH
  • 43231
Web
On XX/XX/21 at XXXX I received a phone call on my cell phone from XXXX XXXX XXXX XXXX XXXX. After answering the phone the representative asked to speak with XXXX. I advised the representative they had the wrong person and phone and do not call my phone again. At XXXX I called the number back and spoke with a male representative that provided the name of Indebted and advised they were a debt collection agency. When I asked what company does Indebted collect for, he said he couldn't give out anyone 's information or any information without me giving him my phone number. Feeling uneasy about the call as my phone number and other personal identifiable information has already been found on the dark web I called back. On the second call I got a female representative who also advised she couldn't tell me the company they collect for or make sure my number and name was not on their call list without me providing them with that information and advised me I was calling in to a call center. On XX/XX/21 my chapter XXXX bankruptcy that included all of my creditors was closed, my number has already placed on the National Do Not Call registery and I also registered my cell phone IMEI to not be tracked using GPS tracking.
07/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95842
Web
XX/XX/2023 I paid {$44.00} to the collection company XXXX XXXX for XXXX XXXX ). It was only reported to one of the credit bureaus. Its now XX/XX/2023. I have contacted them through emails, over and over asking them to report to other credit bureaus to show its been paid. No one has reported anything. They dont read emails that Ive sent to them. I just received a response to my email this afternoon and it says this account has been paid and that they are no longer managing this account and to contact XXXX XXXX Ive contacted XXXX XXXX months ago and they told me I need to contact the Collection agency. Back and forth, back and forth. Im trying to clean up my credit reports and its completely wasting my time going back and forth and it still doesnt get resolved. Im hoping to get this fixed. I have several emails showing the times Ive contacted them
11/23/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KY
  • 411XX
Web Servicemember
I am receiving repeated calls from the debt collection company " Indebted ''. I have instructed them NOT to contact, nor attempt to contact me by phone regarding any alleged debt. I instructed them to contact me by US Mail. I notified them : - Once via their website message contact page. - A second time ( XX/XX/2022 ) by email to their contact email address, after calls continued - A third time ( XX/XX/2022 ) to their email address insisting on cease and desist phone contact, notifying them I would contact the CFPB if contact continued. Today, XX/XX/2022, I received yet another attempted phone contact from Indebted with a spoofed Caller ID label, " XXXX XXXX ''. The phone number is a corporate number for XXXX. This company continues to violate the Fair Debt Collection Practices Act despite notifications to cease phone contact.
09/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33418
Web
XXXX XXXX XXXX has reported a debt against my Social Security Number that has heavily affected my credit score.XXXX has reported the debt as being opened in XXXX of 2022. I know that time of debt has adverse affects on scores and they have intentionally listed the debt at a different date. The information on my credit report is inaccurate. I also have another company trying to collect the same debt Who is XXXX giving my personal information to? Please delete my information as it is wrongfully being reported and please stop sharing my information with Indebted. In the response to this complaint.I would like to know how and why Indebted is contacting me and has my private consumer information? In the photos attached, you can see that you can pay indebted or XXXX.
11/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60559
Web
On XX/XX/2023 XXXX added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Dferit\Indebted has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
07/07/2023 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19139
Web
I have no agreement nor account with XXXX XXXX. I've previously requested validation of the debt they claim i owe, to which they have failed to perform. They continue to communicate with non-affiliated third parties that I owe a debt to them. I've never given them written or verbal permission to report and or communicate any information to anyone. I've previously sent a Cease & Desist communication on all mediums including to non-affiliated third parties that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights.
08/06/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • FL
  • 33579
Web
It made me strong to be able to pay my truck, I contacted the XXXX XXXX, I let them know that i surrender up on the payments, I tried to sell the vehicle.it was difficult for me. I call the XXXX for picked up at my house.After they sold the vehicle they contacted me to pay the remaining balance.They tell me that there was a balance of XXXX dollars. I offered to pay XXXX a month.After XXXX years paying without fail.I found myself checking the balance and i had the same balance.They are charging me super high interest.Its super XXXX offered to pay XXXX dollars, and they refused.
11/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32746
Web
On XX/XX/2022 I received email notification from XXXX XXXX at Indebted : XXXX in attempts to collect a debt for XXXX XXXX XXXX on a paid in full account for XXXX. Please reference my case # XXXX regarding XXXX XXXX XXXX XXXX XXXX collect on a paid in full collection account for XXXX. As XXXX XXXX XXXX XXXX XXXX are now attempting to collect on the same closed account, I ask that this practice, and harassment, by these companies be made public as a violation of all legal collection and reporting laws.
08/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48092
Web
The first complaint was withdrawn by an employee of CFPB by mistake. Indebted USA , Inc has violated my federally protected rights under the FDCPA. Indebted employee has contacted me multiple times violating 15 U.S.C.1692c-1. Provide the requested documents in attachments. And your now on notice to cease communication from all mediums, correspondence can be sent through cfpb or mail. Contacting me by any other medium will be a violation of my rights.
06/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95691
Web
Attempted to contact Indebted Debt Collection multiple times to discuss repayment or settlement of debt. Called XX/XX/XXXX and left voicemail requesting a callback. Called XX/XX/XXXX and spoke with a representative from the complaint department. They advised there was someone in the office who could contact me about the account and that they would reach out. Called XX/XX/XXXX and left an additional voicemail requesting contact.
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29154
Web
Indebted Secure Code: XXXX XXXX The Fair Credit Reporting Act (FCRA, Title 15 U.S.C. 1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically 1681s-3(b)). 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my permission.
07/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92058
Web Servicemember
On XX/XX/3023, I discovered an inquiry on my XXXX consumer file from INDEBTED USA INC. I have no account with them so this is an unauthorized inquiry on my consumer report. They have no permissible purpose to access my consumer file under the Fair Credit Reporting Act and the California Consumer Privacy Act. I have attached the inquiry section of my XXXX Credit report dated XX/XX/2023.
10/16/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80907
Web
I made an agreement with the debt collection through XXXX XXXX to pay a monthly payment for the agreed total amount that I owe they refuse to send me a copy of the agreement of the amount remaining and the monthly payment I called XXXX XXXX and talk to XXXX who is the debt collector he says I don't have any right to a copy of any of that and refuse to give a copy to me.
11/02/2023 Yes
  • Debt collection
  • Payday loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 45240
Web
I was told by this company that I needed to set up a payment with them in order for my loan not go into default. I did I set up $ XXXX monthly only now to be told that my payment plan was cancelled after the making the first payment. I requested a refund only to just be told NO without any reason because I shouldnt have them and the original creditor also.
11/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • IL
  • 60649
Web Older American
Money paid for a flight for medical needs overseas was taken by XXXX XXXX because I was falling out at night after a XXXX and slept when money was sent and couldnt wake up after XXXX XXXX. The money was taken by the sending agent. The amount taken was XXXX dollars. I am very Sick and XXXX XXXX XXXX getting worst because the XXXX is water born.
02/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28269
Web
I made a XXXX XXXX XXXX XXXX online purchase using XXXX. I returned the order and XXXX continues to try and collect for the balance of the order, even after I informed them of the return. Just today, XXXX had a debt collector to contact me requesting payment of the balance.
07/07/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48224
Web
I have filed a lawsuit against XXXX XXXX, XXXX and InDebted USA, Inc, Case number XXXX for violation of the FDCPA, MCPA, and Invasion of Privacy.. I want to know if The Defendants are willing to agree to waive service? *********See attachment**************
12/04/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48092
Web
Indebted has communicated with me via emailed me multiple times with out my prior consent and at a inconvenient time violating 15 USC 1692c. Indebted infringed upon my rights to privacy. You are now on Notice check attachment
07/19/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92243
Web Servicemember
A company by the name of InDebted attempted to collect money from me by requesting my debit card number. Impersonating XXXX, A pay in four payments company. They were attempting to collect an amount more than what I owe.
01/08/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • MI
  • 48092
Web
Indebted is violating my Federally Protected Rights using Harassing and Oppressing practice to coerce me into paying the alleged debt..
11/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Didn't receive services that were advertised
  • FL
  • 339XX
Web
See attachment I paid the account in full and was supposed to be deleted from my file. However they gave me the roundabout.
01/26/2024 Yes
  • Debt collection
  • I do not know
  • Electronic communications
  • Frequent or repeated messages
  • OH
  • 44647
Web
12/14/2023 Yes
  • Debt collection
  • I do not know
  • Electronic communications
  • You told them to stop contacting you, but they keep trying
  • IL
  • XXXXX
Web
11/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76706
Web
11/22/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 44105
Web
11/07/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19121
Web
10/25/2023 Yes
  • Debt collection
  • I do not know
  • Electronic communications
  • You told them to stop contacting you, but they keep trying
  • PA
  • 19121
Web
08/09/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27520
Web
07/07/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60622
Web Older American
06/25/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48224
Web
06/20/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62526
Phone
06/08/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48092
Web
06/03/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30005
Web
05/05/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • MS
  • 39358
Phone Older American
04/30/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • CA
  • 93010
Web
04/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 15321
Web
04/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02125
Web
03/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60653
Web
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90262
Web
02/22/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 49321
Web
02/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94602
Web
02/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48213
Web
01/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48213
Web
12/09/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • IL
  • 60628
Web
12/09/2022 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94521
Web
11/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TN
  • 37138
Web
10/31/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72401
Web Servicemember
09/22/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68132
Web
09/22/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68132
Web
09/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10451
Web
09/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10451
Web
09/16/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NM
  • 88011
Phone Older American
09/06/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 31322
Web
02/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22031
Web
11/29/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77071
Web
10/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77071
Web
10/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77071
Web
09/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30350
Web