Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: InDebted Corporation
State: NJ

Complaint narrative:
Re : Dispute of Alleged Debt from XXXX Dear Sir or Madam, I am writing to formally dispute an alleged debt that InDebted, Inc. claims I owe, reportedly originating from a vendor named Prohetx. I am requesting verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ) due to the following concerns : XXXX. Harassment by Calls and Text Messages : Since XX/XX/year>, InDebted has engaged in harassing and excessive communication, including text messages sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, as well as frequent phone calls. This persistent contact, with XXXX text messages over a six-week period, feels abusive and oppressive and appears to violate FDCPA restrictions on harassment under 15 U.S.C. 1692d. 
XXXX. No Knowledge of Debt : I have no recollection of incurring a debt with Prohetx, nor have I received adequate documentation from Prohetx or InDebted verifying this obligation. The lack of clear information about the nature and origin of this alleged debt raises significant doubts about its validity. 

Under the FDCPA, I request that you provide validation of the alleged debt. Specifically, I request : A copy of the original agreement with Prohetx that I supposedly signed or agreed to. 
A detailed account statement showing the origin, itemization, and calculation of the alleged debt, including all transactions leading to the claimed amount. 
Proof that InDebted, Inc. is authorized to collect this debt on behalf of XXXX. 
Documentation verifying that this debt is accurately associated with me, including any account number or reference cited in your communications. 

Additionally, due to the harassing nature of your communications, I demand that you immediately cease all phone calls and text messages to me regarding this alleged debt until validation is provided. Under the FDCPA, debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses, including excessive contact. Your frequent texts and calls, including XXXX text messages over a six-week period, appear to violate these provisions. 
Until this debt is validated, I dispute its validity in its entirety and request that you cease all collection activities, including reporting this debt to credit bureaus. If this debt has already been reported to credit reporting agencies, I demand that you immediately notify them of this dispute and request its removal pending validation. 

Please provide the requested validation within 30 days, as required by the FDCPA, and send all correspondence to my current address listed above. Be advised that I am keeping detailed records of all communications, including screenshots of text messages and call logs, and will not hesitate to pursue my rights under federal and state law, including reporting violations to the Consumer Financial Protection Bureau ( CFPB ) or Federal Trade Commission ( FTC ), if necessary. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation