Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
This

Furnisher has reported false information across all 3 credit bureaus for years. I have sub
mitted multiple disputes with XXXX XXXX, and XXXX  to have these tradelines removed or corrected. This furnisher has been allowed to provide false and misleading information against me violating my rights. All 3 credit bureaus are culpable for allowing clear FCRA and FDCPA violations to continue to be reported. 

Violations & Objections Summary =============================== The tradeline reported by Oliphant USA , LLC to XXXX  contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These include illegal re-aging, failure to disclose the time-barred status of the debt, inaccurate and unverifiable data reporting, and furnishing information that creates a misleading impression of current activity. These violations result in financial and reputational harm and justify a demand for full deletion of the tradeline. 

1. Re-Aging of the Account ========================== Violation : FCRA 605 ( c ) ( 1 ) - Oliphant reports the account as 'Opened : XX/XX/XXXX ' - The last payment was made in XX/XX/XXXX ( XXXX  : XX/XX/XXXX ; XXXX  : XX/XX/XXXX ) - This gives the false impression that the account is newer than it is, which illegally resets the credit reporting clock and damages the consumer 's credit score for longer than allowed. 

2. Failure to Disclose Time-Barred Status ========================================= Violation : FDCPA 807 ( 2 ) ( A ) False or misleading representation Violation : CFPB Regulation F 12 CFR 1006.34 ( c ) ( 3 ) ( ii ) Debt collectors must disclose when a debt is time-barred and may not threaten or imply litigation or continued collection without informing the consumer of their rights. 

- The debt is time-barred in Texas ( XXXX = 4 years ) as of XX/XX/XXXX - No disclosure was made prior to legal action, and monthly updates continue to be furnished, misleadingly suggesting enforceability Context : XXXX XXXX XXXX initiated litigation in XXXX XXXX XXXX after the 4-year Texas statute of limitations had already expired. No advance notice was provided informing the consumer that the debt was legally time-barred and unenforceable a clear violation of FDCPA 807 ( 2 ) ( A ) and CFPB Regulation F ( 12 CFR 1006.34 ( c ) ( 3 ) ( ii ) ), which require disclosure of time-barred status prior to any collection attempt, including litigation. 

The court ultimately dismissed the lawsuit based on the expired statute, which serves as judicial confirmation that the debt was no longer legally collectible. However, the fact that legal action was pursued without the required time-barred debt notice reflects a knowing and willful violation of the consumer 's rights under federal law. 

3. Inaccurate Creditor Reporting / Chain of Title Confusion =========================================================== Violation : FCRA 623 ( a ) ( 1 ) ( A ) Duty to provide accurate information Violation : FCRA 609 ( a ) ( 1 ) Right to know the sources of all reported information - Oliphant USA , LLC is listed as the current owner, but the original creditor is shown as XXXX, not XXXX XXXX, causing confusion in creditor identity - XXXX XXXX XXXX pursued legal action on this time-barred debt, possibly under the guise of Oliphant USA , LLC - No clear transition or history of ownership is visible - XXXX XXXX XXXX, the party who attempted the lawsuit, is not mentioned at all This obscures the chain of title, impeding the consumer 's right to verify the debt origin and validity. 

4. Inflated and Unsubstantiated Balance ======================================= Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information Violation : FDCPA 808 ( 1 ) Collection of any amount not permitted by law - Original charge-off by XXXX : {$4200.00} - Current balance reported by Oliphant : {$4400.00} - Discrepancy : {$150.00} added with no legal basis or itemization ( no judgment, no legal fees awarded ) This balance is being reported despite : - The debt being charged off and sold - The debt being time-barred - No court order awarding post-charge-off fees 5. False Impression of Continued Collection Activity ==================================================== Violation : FCRA 623 ( a ) ( 1 ) ( A ) Violation : FDCPA 807 ( 10 ) False representation of legal status or implication of activity - Monthly ' C ' ( collection ) notations are being reported for XX/XX/XXXX through XX/XX/XXXX- This implies that the account is currently delinquent or active, when in fact : - It was charged off in XXXX - No payments have been made since XX/XX/XXXX- The debt is no longer legally enforceable This could lead to creditor misinterpretation and further illegal collection attempts by third parties. 

6. Misleading 'Account Type ' and Status Presentation ==================================================== Violation : FCRA 607 ( b ) Reasonable procedures to assure maximum possible accuracy - Account type : 'Open Account ' is misleading ; this is a charged-off, sold debt - The original contract was closed installment, not revolving or open - Labeling it 'open " can trick the system into scoring it as active instead of dormant/closed Conclusion & Remedy Demanded ============================ Given these violations , the XXXX  tradeline reported by Oliphant USA LLC is : - Illegally re-aged - Inaccurately identifying the creditor - Failing to disclose its time-barred status - Reporting a false balance - Creating a misleading impression of active delinquency Therefore, under FCRA 623, 605, 607, and FDCPA 807, 808, the consumer demands : Full deletion of the tradeline For failure to report the following despite past disputes : - Accurate XXXX  ( XX/XX/XXXX ) - Accurate status ( Closed/Collection ) - Disclosure of time-barred status - Balance reset to legal post-charge-off amount ( {$4200.00} or {$0.00} if sold )

Company response to consumer: Closed with explanation