Debt collection -- Written notification about debt -- Complaint #17084294
Complaint Overview
Complaint ID: 17084294
Company: Oliphant United, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New Hampshire
ZIP Code: 032XX
Date Received: 2025-11-06T12:00:00-05:00
Date Sent to Company: 2025-11-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complainant : XXXX XXXX Original Case Numbers : XXXX and XXXX Summary : This is a follow-up to my previous complaints against Oliphant USA , LLC regarding false and continued reporting of an unverified debt. In their latest response, Oliphant has introduced new and contradictory claims that require regulatory review. Key Issues and Misrepresentations : 1. False Claim of Judgment Oliphant now asserts that a judgment was entered in favor of the current creditor on XX/XX/XXXX, and that the obligation remains a valid and enforceable judgment debt. I have confirmed through the New Hampshire court system that no judgment exists in Oliphants name or assigned to them. If a judgment exists in another partys name, Oliphant is misrepresenting its legal status and ownership, in violation of FDCPA 807 ( 2 ) ( A ) and FCRA 623 ( a ) ( 1 ) ( A ). No court assignment has ever been recorded transferring any judgment or debt to Oliphant. 2. Contradictory Statements About the Debt Oliphants previous responses stated the debt originated in XXXX and was validated by a letter that same year. Now, they claim it is a XXXX judgment debt. These inconsistent statements demonstrate that the company can not clearly establish the nature, ownership, or enforceability of the alleged obligation. 3. Improper Credit Reporting Despite multiple disputes and my certified validation demand, Oliphant continues to report this account to credit bureaus. Marking an account as disputed does not cure the inaccuracy when the underlying debt is unverified or misrepresented. Continued reporting constitutes furnishing of inaccurate and misleading information under FCRA 623 ( a ) ( 1 ) ( A ), 623 ( b ). 4. Invalid or Incomplete Validation The validation package provided by XXXX XXXX XXXX contained only a generic pool purchase and redacted account summaries with no link to my alleged account. This does not satisfy FDCPA 809 ( b ). Exhibit A demonstrates that Oliphants claimed validation is comprised entirely of generic pool purchase documents and redacted statements from XXXX. No document identifies me or establishes ownership of the alleged account. This evidence contradicts Oliphants assertion that a XXXX judgment exists or that the account is enforceable.
Frequently Asked Questions
What is Complaint #17084294 about?
Complaint #17084294 was filed against Oliphant United, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-06T12:00:00-05:00.
How did Oliphant United, INC. 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 United, INC.?
Yes, visit the Oliphant United, INC. company profile at readthecomplaint.com/company/oliphant-united-inc 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.