Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
Subject : Formal Dispute and Debt Validation Request under FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681i ) Dear XXXX XXXX XXXX, I am writing to you regarding an alleged debt that you are reporting and attempting to collect under the name OXYGEN XL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I am disputing this debt in its entirety and requesting full validation and proof of its legitimacy. 

This debt appears on my credit report as a collection account under your companys name, reported to Experian, with the following information : Account Information ( as reported ) Collection Agency : XXXX XXXX XXXX / OXYGEN XL Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  Balance Reported : {$390.00} Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Status : Collection / Charge-Off Account Type : Individual Derogatory I have no record, contract, or agreement establishing any debt between myself and your company or the original creditor. 
Therefore, I am exercising my rights under federal law to request full validation of this alleged obligation. Until you provide the documentation requested below, you must cease all collection activity and communication regarding this account. 

Required Documentation for Validation Please provide complete and verifiable documentation, including : Proof that I am legally responsible for this debt, such as a copy of the original signed agreement or contract with the original creditor. 

A detailed accounting statement showing how the alleged balance of {$390.00} was calculated, including any fees, interest, or adjustments. 

Proof of assignment or transfer, showing that XXXX XXXX XXXX has been legally authorized to collect on this account. 

The name and address of the original creditor and the date the alleged account became delinquent. 

Proof of your authority to collect debts in Florida, including your debt collection license number and the issuing regulatory agency. 

Confirmation of the statute of limitations, to verify whether this alleged debt remains legally enforceable. 

Legal Notice Under FDCPA 809 ( b ), all collection activity must cease until this validation is provided.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), if the debt can not be verified, you must immediately request deletion of this account from all credit bureaus reporting it.

Continuing to report or attempt to collect a debt without proper validation constitutes a willful violation of federal law and may expose your company to civil liability under 15 U.S.C. 1681n, 1681o, and 1692k. 

Notice Regarding Identity Verification Attached is a copy of my Florida Driver License for the sole purpose of identity verification related to this dispute. This document may not be shared, sold, or used for any purpose outside of this validation request. 

Demand for Compliance Please be advised of the following : You are not authorized to contact me at my workplace. 

You are not authorized to contact any third party regarding this matter. 

Any continued reporting, collection, or communication without proper validation will be considered harassment and a willful violation of the FDCPA and FCRA. 

If I do not receive a proper response within 30 days of your receipt of this letter, I will escalate this matter to the, Federal Trade Commission ( FTC ), and Florida Attorney Generals Office, and pursue civil remedies for all violations.

Company response to consumer: Closed with explanation