Oliphant United, Inc.

Oliphant and CFPB About XXXX months ago, I was harassed by text messages from Oliphant Since I do not owe any debt, I asked them the purpose of the contact and they sent me an automated message with no information They did not even say who they were trying to contact They were asked repeatedly to verify the alleged debt. After XXXX different attempts and the refusal to verify the alleged debt, they were asked by myself to cease and desist all communication with me by any methods. They were not to contact me again in the future for any reason at any time. About XXXX weeks later after never verifying the alleged debt, they ruined my perfect credit score of over XXXX by placing a confusing negative entry on my credit report I immediately contacted the XXXX XXXX XXXX and ask them to cease all communication with me once again since they have failed to valid the debt I had to spend much time figuring out how to challenge this unknown entry on my credit reports.…

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OLIPHANT USA LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA LLC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. UndXXXXr U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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This account is time-barred under Alaska law XXXX The last payment was made on XX/XX/XXXX. Pursuant to XXXX XXXX, the three-year statute of limitations expired on XX/XX/XXXX. XXXX XXXX XXXX is therefore legally prohibited from suing or threatening to sue on this debt ( 12 CFR 1006.26 ). Their continued monthly reporting after my XX/XX/XXXX validation request and after the SOL expiration date makes the entry inaccurate and unverifiable under the FCRA. Delete it immediately. On XX/XX/XXXX, I sent XXXX XXXX XXXX a detailed written validation request via email and certified mail with return receipt ( copies attached ). They have provided XXXX validation or response. They began reporting the collection on XX/XX/XXXX and have continued updating it monthly ( most recently XX/XX/XXXX ) in violation of FDCPA 1692g and Regulation F. I have never received any initial communication from XXXX before they started reporting.…

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I am filing a complaint regarding repeated harassment and an unverified debt being claimed by Oliphant USA LLC. Oliphant USA LLC has been contacting me repeatedly regarding an alleged debt of {$3600.00} from a supposed loan. I have never taken out a loan with Oliphant USA LLC or any lender associated with them, and I do not recognize this debt. Despite my lack of acknowledgment of this account, their representatives call me XXXX times per day, which I consider excessive and harassing. The frequency of these calls has caused significant disruption and stress. To date, I have not received proper written validation of the debt, including documentation showing the original creditor, the original loan agreement with my signature, or any full account history proving this debt belongs to me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt and to be free from harassment by debt collectors.…

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Validation of Debt Request - OLIPHANT XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

I was alerted on either Tuesday or Wednesday XX/XX/year> by XXXX XXXX XXXX and XXXX on my phone via there respective apps. about a negative impact on my credit. I quickly flipped through the apps I found out about a " COLLECTION '' placed on my credit account, by XXXX " OLIPHANT USA LLC '' with staggering amount of $ XXXX, only. I browse through the said Oliphant USA llc, to see if I can contact them and know about the suspected figure on my account, I called XXXX, to know the reason for the debt, when? How? and why no correspondence to my address to that effect. They refused to tell me the financial institutions that I was indebted to, that unless i disclose my last XXXX SSN, pay a {$1.00}, my address, phone number, XXXX. respectively. Anyways I still parted with a {$1.00} finally, because I am curious to know, it was when they wanted my full SSN, I opted out.…

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OLIPHANT USA LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I sent a formal debt validation request via Certified Mail on XXXX. The collector responded with a self-generated summary rather than the requested original contract or billing statements. This summary does not provide sufficient evidence of the debt 's validity or my legal obligation to pay it. Despite this lack of verification, the collector is still calling/has not removed the mark from my credit report, which violates the FDCPA. I request that they provide the original contract or cease all collection efforts immediately.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

am disputing a debt being reported by OLIPHANT USA LLC that I do not believe I owe. The account is listed as a collection for {$8600.00} with a reported past due date of XX/XX/scrub> 2026. I have not received proper validation or verification of this debt from the company. According to the Fair Credit Reporting Act, I am entitled to request verification of any debt being collected. I am requesting that the company provide proof that I am legally responsible for this debt. This account has negatively affected my credit report, and I am formally disputing its accuracy. I ask that the company investigate this matter and provide documentation to support the validity of the debt. Until proper verification is provided, I request that all collection actions be paused and that the account be marked as disputed with any credit reporting agencies.

I am filing a complaint against Oliphant Financial regarding inaccurate debt collection and credit reporting. This company purchased a XXXX loan account after I made approximately eight months of payments. Despite this, they are reporting and attempting to collect the full original loan balance of {$25000.00} and are identifying themselves as the original creditor, which is inaccurate. This incorrect balance is now being reported to credit bureaus and is interfering with my active mortgage approval process. I have formally requested debt validation and payment history documentation. The reported balance does not reflect prior payments and appears materially inaccurate. I am requesting immediate investigation, correction of the reported balance, and proper creditor identification. If the amount can not be documented and verified, the tradeline should be removed.…

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Oliphant USA, LLCs continued collection communications, continued furnishing/verification of this alleged debt, and repeated failure to resolve my written disputes and cease-communication demands has caused severe and prolonged stress and resulted in significant health-related harm and emotional distress. This has not been a minor inconvenience ; it has been an ongoing situation affecting my mental and physical wellbeing and my ability to function normally. The constant monitoring of my credit, repeated disputes, reviewing collection messages, and dealing with unresolved inaccuracies has created ongoing psychological pressure. This stress has directly contributed to XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, and it has negatively affected my concentration, emotional stability, and daily functioning. Importantly, I have experienced XXXX XXXX that I did not experience prior to this ongoing situation.…

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In Oliphants CFPB responses, they stated that a validation of debt package was requested from the servicer of the account yet that validation package has never been provided to me. If Oliphant is the alleged owner or has authority to collect/furnish, they should already possess the underlying account-level documentation needed to validate and substantiate the alleged debt. Instead, they reference a servicer and a requested validation package while continuing collection/furnishing activity. This is not consistent with a lawful, reasonable, good-faith approach to collecting or furnishing information about an alleged debt.

This complaint is tied to the alleged XXXX account # XXXX and the related alleged tradeline reported by Collection Oliphant Usa LLC under Account # XXXX / # XXXX, which I dispute as inaccurate and fraudulent/ not owed. In addition to improper, inaccurate furnishing and misleading reporting, Oliphants conduct includes ongoing communications that continued even after they were placed on written notice through CFPB complaints and a cease-and-desist/cease-communication demand.

I am filing this complaint against Oliphant USA LLC and Accelerated Inventory Management for systematic violations of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. and Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. These violations include : Collection agency reporting for 2.5+ years without ever contacting consumer Court dismissal for failure to serve proving lack of correct contact information Continued collection during validation period Filing and prosecuting lawsuit without providing requested validation Abandoning lawsuit after validation request rather than prove the debt Continuing to report dismissed debt as valid Inflating debt amount without itemization BACKGROUND : As a pro se litigant with extensive experience defending debt collection lawsuits, I have successfully obtained dismissals in three separate cases within the past seven months : XXXX XXXX - DISMISSED XX/XX/XXXXXXXX Accelerated Inventory Management - DISMISSED XX/XX/XXXXXXXX…

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XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

NOTICE OF NON-ENFORCEABILITY, DEMAND FOR COMPLIANCE, AND CEASE CONTACT This correspondence is provided for compliance and redress purposes. You are hereby placed on notice that the alleged account referenced in your communication is the direct result of identity theft and is legally unenforceable. I have previously and repeatedly documented this fact and submitted a sworn FTC Identity Theft Report executed under penalty of perjury, which constitutes legally sufficient proof under 15 U.S.C. 1681c-2. Despite this, the account was transferred to Accelerated Inventory Management , LLC and subsequently assigned to your office. Once identity theft has been established and notice provided, federal law prohibits any further collection activity, reporting, assignment, or attempted enforcement of the account. Any attempt to collect such an account after notice constitutes violations of applicable federal consumer protection statutes.…

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XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

OLIPHANT USA LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am submitting this complaint regarding an inaccurate and/or unverified collection account that appears on my consumer credit report. The collection account is reported by [ XXXX ] in the amount of {$220.00} and {$87.00}, with an alleged original creditor of [ XXXX ]. The account is reported as opened on or about [ XXXX ]. On [ XXXX ], I reviewed my credit report and discovered this collection account. I do not believe this account is being reported accurately and requested validation and verification of the debt. I disputed this account with the credit reporting agencies on [ XXXX ], requesting that the furnisher provide proper documentation to verify the accuracy, ownership, and balance of the alleged debt.…

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I am disputing XXXX collection accounts that are being reported on my credit file which I do not recognize and never authorized. Waking up to debts that are unverified and do not belong to me has been both frustrating and overwhelming. I have been repeatedly contacted across multiple platforms and subjected to aggressive collection tactics, including threats of legal action. This treatment is completely unacceptable and constitutes a blatant violation of my rights as a consumer. The ongoing stress has significantly affected my peace of mind and sleep.

XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

I received a notice about a debt that I believe is not mine. The amount listed is {$1500.00}, and it appears to be linked to a company I have never dealt with. I tried to contact the company several times to clarify the situation, but I did not receive clear answers. In addition, I found out that the debt was handed over to a collection agency, which made me feel uncomfortable and worried, as I never agreed to or even knew about this debt. The account was marked as " disputed, '' but I still keep receiving messages about the debt. I first found out about this issue when I checked my credit report on [ insert date ], and I've tried to reach the company since then, but there has been no resolution. The last contact I had with the company was on [ insert date ], but there was no progress, and I was left with more confusion than answers.

I was a victim of ID theft ( I will attach police report ). I notified Oliphant of this and I also requested to seize all communications with me on several occasions. Verbally XX/XX/year> and I am still getting calls from them, they say I owe the debt and not to take responsibility for it. They harassment tactics need to stop. I am tired of telling to stop calling and they continue to violate my legal rights by calling me over and over. I demand they stop and remove this from all credit reporting agencies. Oliphant USA , LLC XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, NY XXXX, being duly sworn, state : 1. I obtained a copy of my XXXX credit report dated DecemXX/XX/year>. 2. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I dispute the accuracy, completeness, and verifiability of the following negative items appearing on said report. DISPUTED ACCOUNTS MASKED ACCOUNT NUMBERS Mortgage Serious Delinquency : Servbank Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}

Consumer Financial Protection Bureau ( CFPB ) Nevada Attorney General Bureau of Consumer Protection Re : Complaint Regarding Deceptive Debt Collection Practices Introduction I am submitting this complaint to document deceptive and unlawful debt collection practices involving XXXX XXXX, Oliphant Financial, and Accelerated Inventory Management ( XXXX ). These entities have engaged in misrepresentation, failure to validate debts, and attempts to collect amounts beyond legally negotiated settlements. Their conduct violates the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Nevada Revised Statutes ( NRS ) Chapters 598 and 649. Background I entered into a legally binding settlement agreement with XXXX XXXX, with payments made through an escrow account managed by my debt settlement company. Documentation of the settlement agreement and escrow payments is attached.…

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Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.