Debt collection -- False statements or representation -- Complaint #12179154
Complaint Overview
Complaint ID: 12179154
Company: Oliphant Financial, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Georgia
ZIP Code: 30012
Date Received: 2025-02-22T12:00:00-05:00
Date Sent to Company: 2025-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1962 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute of the validity of your claims. Please note : This is an attempt to correct your records and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a station, election, or waiver of status. Best Regards
Frequently Asked Questions
What is Complaint #12179154 about?
Complaint #12179154 was filed against Oliphant Financial, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-02-22T12:00:00-05:00.
How did Oliphant Financial, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Oliphant Financial, LLC?
Yes, visit the Oliphant Financial, LLC company profile at readthecomplaint.com/company/oliphant-financial-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.