Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: MD

Complaint narrative:
On XXXX and XXXX, I originally opened a complaint against XXXX and XXXX for privacy violations ( for reference : XXXX and XXXX, XXXX ). It is now apparent that there is a more extensive network of deceptive practices and I have supplied adequate proof to support these claims. I am writing to raise serious concerns about violations of consumer protection laws by XXXX, XXXX XXXX, and Oliphant USA LLC, related to my personal loan obtained in XX/XX/XXXX. 
Letters received from XXXX XXXXtate mis-conceived notions that the original loan was a result of fraud, this is not what was claimed. The original claim was about the sharing/sale of my personal information to a non affiliated third party without my consent, and it has not been addressed. TO BE CLEAR, I hold XXXX and XXXX liable for the mishandling of my personal data during the alleged sale of debt to Oliphant USA LLC and its affiliates. This is about my rights being disregarded and my financial well-being thrown into disarray by seemingly predatory practices and carelessness. 
To recap, my experience with this loan began making regular payments until XX/XX/XXXX, when unforeseen circumstances made it difficult to continue.Afterwards, my credit information was allegedly shared/sold to Accelerated Inventory XXXX XXXX an affiliate of Oliphant USA LLC ( herein known as AIM ) without my consent and without verifying the debt 's accuracy. This felt like a betrayal of trust, a violation of the Fair Credit Reporting Act and the Maryland Consumer Credit Reporting Agencies Act. XXXX then employed tactics that bordered on harassment and deception. They opened a lawsuit, produced redacted/doctored documents, and a refusal to correctly validate the alleged debt became their modus operandi. 
XXXX  even went as far as using my full Social Security Number to obtain a SCRA ( Service Members Civil Relief Act ) document without my knowledge. This constitutes blatant disregard for the Fair Debt Collection Practices Act and/or criminal intent. The lawsuit was eventually voluntarily dismissed in court by XXXX and with me present, which further constitutes the level of harassment that had taken place throughout the entire ordeal. 
The debt was written off in XXXX, yet collection attempts continued via third party and inaccurate information remained on my consumer report, further damaging my financial standing. This, coupled with the lack of a 1099-C form for the written-off debt ( which is a violation of the IRC ), left me concerned about potential tax implications. 
XXXX XXXX privacy policy promises security and responsible data sharing. However, the sharing of my information with other including XXXX  via Oliphant USA LLC without explicit consent for an alleged debt collection raises very serious concerns about privacy violations. When requested, the alleged Bill of Sale was absent of my name, account number, or any other identifying information. To add, my consumer report has an inquiry from OLIPHANT which appeared WITHOUT MY CONSENT in XX/XX/XXXX. Whether they claimed to have sold the actual debt is highly questionable, but evidence shows they did sell my PERSONAL INFORMATION. I am unaware of the extent of the sharing of my personal information without my consent or how it will affect me in the future, I constantly think about any unforeseen damages. This, to me, is not just a technicality ; it's a fundamental breach of trust and a violation of Federal and Maryland privacy laws. 
Throughout this ordeal, I felt constantly dismissed and unheard. My requests for clarification and resolution were met with silence or empty promises. This negligence, I believe, inflicted further harm, both emotional and financial. XXXX alleges no wrongdoing, but the attached evidence will prove otherwise. Both are 100 % liable for the mishandling of my personal information to a non-affiliated third party ( without my consent ), in which that third party employed harassment tactics for much of the XXXX calendar year causing distress, humiliation, and other damages. 
XXXX XXXX XXXX and responses proclaiming a narrative of innocence that was far from accurate. Federal statutes penalize making false statements to government agencies, including 18 U.S.C. 1001, which prohibits knowingly and willingly making false statements in any matter within the jurisdiction of the U.S. government. 
Here are the facts ; XXXX had no right to sell my personal information ( this includes my SSN and other personal info ) without my consent to a non-affiliated third party ( I challenge them to produce any document that I signed that says otherwise ), Oliphant/XXXX  used that information to exploit & harass for an alleged sold debt in the sum of {$10000.00} ( which was never validated in a bill of sale they obtained from XXXX ). I am not willing to be a victim of these violations. Again, I am demanding a thorough investigation and appropriate action against XXXX, XXXX XXXX, and Oliphant LLC USA. I deserve : A declaration that their actions violated the law Injunctive relief to prevent further violations Issuance of a 1099-C form for the written-off debt Compensation for damages, including emotional distress, credit damage, and tax-related costs Statutory damages under the FCRA and FDCPA Punitive damages for willful noncompliance Attorney 's fees and costs I have attached documented evidence, including the IRS audit letter, original communication with XXXX, court paperwork, their privacy policies, and my certified mail request for the 1099-C which was blatantly disregarded. These documents serve as tangible proof of the alleged violations and the immense hardship I have faced. 
This is not just about me ; it's about upholding consumer protection laws and ensuring that others don't fall prey to similar tactics. I urge you to take my complaint seriously and act swiftly to rectify these injustices. 
SUMMARY of ALLEGATIONS : Unauthorized Sharing of Credit Information : XXXX and XXXX shared my credit information with Oliphant USA LLC and affiliates without my consent and without verifying the accuracy of the debt, violating the Fair Credit Reporting Act ( FCRA ) and the Maryland Consumer Credit Reporting Agencies Act ( MCCRAA ). 
Unfair Debt Collection Practices : AIM engaged in unfair and deceptive debt collection practices, including threats to sue, sending doctored documents, and failing to validate the debt, violating the Fair Debt Collection Practices Act ( FDCPA ). 
Inaccurate Credit Reporting : Despite the alleged debt write-off in XXXX, inaccurate information remains on my credit report, further violating the FCRA. 
Failure to Provide 1099-C : Despite the alleged debt write-off, I have not received a 1099-C form from XXXX or XXXX, potentially causing tax implications. 
Privacy Violations : The sharing of my information with OliphantXXXX for debt collection purposes without explicit consent raises concerns about violations of XXXX own privacy policy and Maryland privacy laws. 
Negligence : WebBanks/LendingClubs failure to act reasonably in protecting my information, responding to requests, and complying with applicable laws constitutes willful negligence. 
Additional Evidence : Oliphant USA LLC accessed my XXXX credit report without my consent while litigation regarding the alleged debt was active, potentially implying improper purposes for obtaining the report and violating relevant laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation