215-791-6302

they called my mobile too. they say they are looking for someone I don't know. and threaten me with legal action .what the hell.

this # claiming to be American Credit Adjusters called my house 7 times today and also called my 81 yr old father looking for me.  They said it was a serious matter regarding my personal information.  They said that I or my attorney needed to call them back today.  If this was truly legit, they wouldn't call 7 times.

They also wouldn't have called your father if they already had your number.  it isn't tracing if they have the correct information.  Further, if they called you then first contact was made and they were require by law to do this:

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

So what you must do is this:

You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.

Please note that both you and your father have the beginnings of an FDCPA lawsuit which will get both of you some nice cash for the harassment.

You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.

Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

And also ask yourself this.  "Why would a Georgia company be calling from a Pennsylvania area code?"

Add these to places to file reports on their criminal activities

As well as the Georgia AG:     http://law.ga.gov/

As well as:       http://consumer.georgia.gov/consumer-services

No one calls people regarding their personal information.  These types of issues are done by mail.  When someone calls from Georgia and the caller ID shows a Pennsylvania area code, it is called Caller ID spoofing.  The Caller ID shows one place and the caller is calling from somewhere else, usually overseas.  I reported this number to the Consumer Financial Protection Bureau and it came back a scam.  These people are not registered to do business in te US or in PA.  Don't give them any information.

Actually they are registered in Georgia, and I have this on them:

AMERICAN CREDIT ADJUSTERS AKA ACA AKA INTRINSIC SOLUTIONS INC AKA SINDI ENTERPRISES, LLC.

Posted in:  https://800notes.com/Phone.aspx/1-605-299-4344
https://800notes.com/Phone.aspx/1-844-246-8944
https://800notes.com/Phone.aspx/1-215-791-6302

Web site lists them in Georgia, second to New York for known debt scammers, and yes it is a UPS store (what a surprise!):  http://americancreditadjusters.com/contact-us.html
BBB gives them a C+ rating with 6 complaints:  http://www.bbb.org/atlanta/business-reviews/c ... lle-ga-27591639

Georgia Dept. of State info:
Business Name:    American Credit Adjusters LLC    Control Number:    14077208
Business Type:    Domestic Limited Liability Company    Business Status:    Active/Noncompliance
Business Purpose:
Principal Office Address:    2483 Heritage Village, Suite 16 #204, Snellville, GA, 30078    Date of Formation / Registration Date:    8/8/2014
State of Formation:    Georgia    Last Annual Registration Year:    NONE

Registered Agent Information
Registered Agent Name:    Jahaan Mcduffie
Physical Address:    2483 Heritage Village, Suite 16, Gwinnett, Snellville, GA, 30078, USA

Business Name:    Intrinsic Solutions Inc    Control Number:    15090284
Business Type:    Domestic Profit Corporation    Business Status:    Active/Owes Current Year AR
NAICS Code:    Finance and Insurance    NAICS Sub Code:    Investment Advice
Principal Office Address:    2483 Heritage Village Suite 16 #204, Snellville, GA, 30078, USA    Date of Formation / Registration Date:    9/1/2015
State of Formation:    Georgia    Last Annual Registration Year:    NONE

Registered Agent Information
Registered Agent Name:    Lamar Snow
Physical Address:    4621 Grand Central pkwy, Dekalb, Decatur, GA, 30035, USA

Business Name:    SINDI ENTERPRISES, LLC    Control Number:    07098992
Business Type:    Domestic Limited Liability Company    Business Status:    Admin. Dissolved
Business Purpose:
Principal Office Address:    560 ROCK SHADOW CT, Stone Mountain, GA, 30087    Date of Formation / Registration Date:    11/15/2007
State of Formation:    Georgia    Last Annual Registration Year:    2009
DissolvedDate :    08/24/2011

Registered Agent Information
Registered Agent Name:    NONE
Physical Address:    , GA

LinkedIn page for the head criminal advertising he “works” for a dissolved corporation and is actually the owner of American Credit Adjusters:  https://www.linkedin.com/in/jahaan-mcduffie-0b710354

Note that the above LinkedIn page was up March 23, 2016 when this report was compiled, and 4 days later (March 27th, 2016) it is no longer up.

Other complaints:
http://www.ripoffreport.com/r/AMERICAN-CREDIT-ADJUSTERS/internet/AMERICAN-CREDIT-ADJUSTERS-ACA-SCAM-RIPOFF-ILLEGAL-TACTICS-VIOLATE-FDCPA-1254106
https://rateit.org/company/american-credit-adjusters/
http://www.freereversephoneslookup.com/1925/423-208-9651
http://badfinance.org/review/1339225/american ... debt-collection
http://jerkcall.com/1-844-246-8944
http://www.outscam.com/american-credit-adjusters-38/
https://www.callercenter.com/704-288-0244.html
https://www.everycaller.com/phone-number/1-423-708-3406/

Looks like they have been sued:
https://www.pacermonitor.com/public/case/8605 ... _Adjusters,_LLC
http://harris-county.co/?p=19058

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

As well as the Georgia AG:     http://law.ga.gov/

As well as:       http://consumer.georgia.gov/consumer-services

They called me from a Philadelphia number, when you go to the website for American Crédit Adjusters, the main office number has a 301 area code, which is the Frederick MD area. However their office is located in Georgia. Anyone with a smartphone can easily see this is a scam with about 2 minutes of research. I have been going through this for the last 8 months...several companies have been calling me threatening legal action against me for debts that I do not owe. Every time I get rid of one, another one tries again. I did research and at some point during my online life my information got phished. Usually this happens when you either apply for a payday loan, or inquire about how to get one. The assumption is if you are looking for short term cash at that ridiculous interest rate you aren't financially stable and may have an overdue debt or two. The company that took your information then sells it to these scam companies, and they take shots in the dark hoping to scare someone into paying. The point is don't let them scare you into paying them. Even if you do owe a debt, this is not it. You will end up paying these scam artists, and the original creditor/collection agency to which you owe your legitimate debt. My experience is if you keep calling them back and harass them as bad as they harass you they will stop bothering you. They're in the wrong, not you, so feel free to have some fun with it. I've never paid one of these; I still have perfect credit and no sheriff has come banging down my door to serve me papers.

Hello. Do you have an email that I can contact you. I've having a lot of issues with this company and I have questions. Thank you

I don't give out my email address, and there would be no need for it anyway.  Everything you need to know is in those posts.  There is nothing else I could tell you that you couldn't find out yourself simply by reading the posts and using the links.