OXYGEN XL on a credit report: Oxygen XL
OXYGEN XL is Oxygen XL, a debt collection company.
If it is on your report, a debt was placed with it or sold to it, and the original creditor is usually listed on the same entry.
How to contact Oxygen XL
- Website: oxygenxl.com [2]
Complaints to the CFPB about YSA ARM LLC DBA Oxygen XL
The CFPB has received 203 complaints about YSA ARM LLC DBA Oxygen XL, 70 of them in the 12 months to October 10, 2026 with the latest on October 8, 2026, and the company answered 87% on time. [1]
The CFPB publishes complaints without confirming the facts in them.
| Most common issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 89 | 44% |
| False statements or representation | 24 | 12% |
| Incorrect information on your report | 22 | 11% |
| Written notification about debt | 19 | 9% |
| Took or threatened to take negative or legal action | 18 | 9% |
Checking this account
If you don't recognise the debt, the CFPB explains what a debt collector has to tell you about it, and you can dispute the entry with the bureau that shows it.