Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
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 XXXX XXXX XXXX  - DISMISSED XX/XX/XXXX These dismissals demonstrate a pattern : debt buyers and their collection agencies systematically lack proper documentation to substantiate the debts they purchase and report to credit bureaus.

PART 1 : OLIPHANT USA LLC - REPORTING WITHOUT CONSUMER CONTACT ACCOUNT INFORMATION : Company : Oliphant USA LLC Account Number : XXXX Amount Reported : {$24000.00} Original Creditor : XXXX XXXX  Date Assigned : XX/XX/XXXX Current Reporting Status : Collection account ( as of XX/XX/XXXX ) Consumer Contact from Oliphant : XXXX - NEVER CONTACTED TIMELINE : XX/XX/XXXX : Oliphant begins reporting collection account to credit bureaus XX/XX/XXXX - XX/XX/XXXX : 2 years, 8 months of continuous credit reporting Total Communications Received from Oliphant : XXXX No validation notice. No collection letter. No phone call. No email. No text message. Nothing.

VIOLATION # 1 : FDCPA 809 ( a ) - FAILURE TO SEND VALIDATION NOTICE The Law : FDCPA 809 ( a ) requires debt collectors to send a written validation notice within five days of the initial communication with a consumer. The notice must contain : The amount of the debt The name of the creditor A statement that unless the consumer disputes the debt within 30 days, it will be assumed valid A statement that if the consumer disputes in writing within 30 days, the collector will obtain verification A statement that upon written request, the collector will provide the name and address of the original creditor The Violation : I have NEVER received ANY communication from Oliphant USA LLC. For 2 years and 8 months, Oliphant has been reporting a {$24000.00} collection account to credit bureaus without ever sending me the required validation notice or making any contact attempt.

Legal Issue - Reporting to Credit Bureaus as " Communication '' : Courts have recognized that furnishing information to credit reporting agencies constitutes a " communication '' under the FDCPA. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
If reporting to credit bureaus is Oliphant 's first communication with me, they were required to send a validation notice within 5 days of beginning to report. They never did.

FCRA 623 ( a ) ( 8 ) Violation : FCRA 623 ( a ) ( 8 ) provides specific requirements for debt collectors who furnish information to credit reporting agencies. A debt collector may only report if they comply with all FDCPA requirements, including the validation notice requirement.

By reporting without sending the required validation notice, Oliphant violated both FDCPA 809 ( a ) and FCRA 623 ( a ) ( 8 ).

VIOLATION # 2 : FCRA 623 ( a ) ( 1 ) ( A ) - FURNISHING INACCURATE INFORMATION The Court Dismissal Proves Inaccurate Reporting : On XX/XX/XXXX, the County Court of the Eleventh Judicial Circuit ( XXXX XXXX , Florida ) dismissed Accelerated Inventory Management 's lawsuit against me for " failure to effectuate service. '' Case Information : Case Number : XXXX Plaintiff : Accelerated Inventory Management , LLC Defendant : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Dismissal Date : XX/XX/XXXX Reason : Failure to effectuate service ( plaintiff could not properly serve defendant ) What This Proves About Oliphant : Oliphant USA LLC operates as the collection agency for Accelerated Inventory Management. This is documented through my research and is the reason Oliphant has been reporting this debt on Accelerated 's behalf since XX/XX/XXXX. 
The failure to serve reveals a critical problem : Oliphant has been reporting my debt for 2.5+ years, yet when their principal ( Accelerated ) needed my address to serve legal papers, they apparently could not provide adequate information for service.

This proves one of two scenarios : Scenario A : Oliphant Never Had Correct Contact Information Oliphant has been reporting a debt with incorrect or incomplete consumer identification Oliphant may be reporting about the wrong person Oliphant 's reporting violates FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirement How can information be " accurate '' when they don't have correct contact details?

Scenario B : Oliphant Had Correct Information But Never Used It Oliphant possessed my contact information but never contacted me ( proving 809 ( a ) violation ) Oliphant failed to provide this information to Accelerated for service This demonstrates systemic breakdown in basic collection practices Proves Oliphant is not a functioning collection agency, merely a credit reporting entity Either scenario constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ) - reporting inaccurate information - and FDCPA 809 ( a ) - failing to contact consumer before reporting.

THE RELATIONSHIP BETWEEN OLIPHANT AND ACCELERATED : Through research, I have confirmed that Oliphant USA LLC operates as a collection agency on behalf of debt buyers, including Accelerated Inventory Management. This means : Accelerated owns the debt ( purchased from XXXX via XXXX XXXX XXXX XXXX ) Oliphant collects on Accelerated 's behalf Oliphant is acting as a " debt collector '' under FDCPA 803 ( 6 ) This relationship makes Oliphant 's violations even more egregious. Professional collection agencies exist specifically to locate and contact consumers. Yet Oliphant has : Reported for 2.5+ years without contact Failed to provide adequate information for legal service Destroyed my credit without ever attempting to communicate This is not legitimate debt collection - this is credit terrorism.

PART 2 : ACCELERATED INVENTORY MANAGEMENT - COLLECTION DURING VALIDATION PERIOD ACCOUNT INFORMATION : Original Creditor : XXXX XXXX Original Amount : {$21000.00} ( per XXXX credit report ) Accelerated 's Claimed Amount : {$23000.00} ( per dunning letter dated XX/XX/XXXX ) Oliphant 's Reported Amount : {$24000.00} ( per credit report dated XX/XX/XXXX ) COMPLETE TIMELINE : XX/XX/XXXX : Accelerated Inventory Management purchases XXXX debt ( via XXXX XXXX XXXX XXXX, serviced by XXXX ). Accelerated hires Oliphant USA LLC as collection agency. 
XX/XX/XXXX : XXXX XXXX, XXXX. ( law firm ) sends dunning letter on my behalf of Accelerated Inventory Management : States debt is owed to " XXXX XXXX XXXX XXXX serviced by XXXX '' Amount claimed : {$23000.00} This is the first and only communication I have received regarding this alleged debt XX/XX/XXXX : Accelerated Inventory Management ( via XXXX XXXX  ) files collection lawsuit against me in XXXX XXXX Court ( Case No . XXXX ) XX/XX/XXXX : I send debt validation letter to Accelerated Inventory Management via certified mail, specifically invoking FDCPA 809 ( b ) and requesting : Proof of ownership ( bill of sale, assignment documents ) Complete chain of custody ( XXXX XXXX XXXX XXXX ) Original loan agreement bearing my signature Complete account statements showing how debt was calculated Accelerated 's license to collect debts in Florida Itemization and verification of amount ( {$23000.00} ) XX/XX/XXXX - XX/XX/XXXX : Accelerated continues prosecuting the lawsuit without providing any validation whatsoever ( 77 days of continued collection during validation period ) XX/XX/XXXX : XXXX XXXX dismisses Accelerated 's lawsuit. Order states : " The case is dismissed without prejudice for failing to effectuate service. '' XX/XX/XXXX- Present : Despite the dismissal, Oliphant ( on behalf of Accelerated ) continues reporting the debt to credit bureaus as valid and collectible.

VIOLATION # 3 : FDCPA 809 ( b ) - COLLECTION DURING VALIDATION PERIOD The Law : FDCPA 809 ( b ) states : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Key Requirements : Upon receiving written dispute/validation request, debt collector must CEASE collection Obtain verification of the debt Mail verification to consumer Only then may resume collection Accelerated 's Clear Violation : After receiving my validation letter on XX/XX/XXXX, Accelerated was legally required to : STOP prosecuting the lawsuit ( litigation is a collection activity per FDCPA ) Obtain verification of the debt Provide that verification to me Only resume collection after providing verification Instead, Accelerated : Continued prosecuting the lawsuit for 77 days ( XX/XX/XXXX - XX/XX/XXXX ) Never provided any validation Never responded to my validation letter Eventually had the case dismissed for failure to serve This is a textbook violation of FDCPA 809 ( b ).

Legal Precedent : Courts have consistently held that prosecuting a lawsuit after receiving a validation request violates 809 ( b ). See XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) ( continuing lawsuit after validation request violates FDCPA ).

The fact that the lawsuit was ultimately dismissed for procedural reasons ( failure to serve ) does not excuse the substantive FDCPA violation of continuing collection during the validation period.

VIOLATION # 4 : FDCPA 807 ( 5 ) - THREATENING/TAKING LEGAL ACTION WITHOUT PROPER STANDING The Law : FDCPA 807 ( 5 ) prohibits : " The threat to take any action that can not legally be taken or that is not intended to be taken. '' The Violation : Accelerated filed and prosecuted a lawsuit but : Could not provide validation when requested Could not properly serve me with legal papers Eventually dismissed rather than present evidence Never re-filed despite dismissal being " without prejudice '' The Dismissal for Failure to Serve is Highly Significant : After a case is dismissed for failure to serve, the plaintiff has the option to : Re-file the lawsuit Attempt proper service using alternative methods Hire a professional process server Continue pursuing the debt through litigation Accelerated did NONE of these things.

The most logical explanation : After receiving my validation letter on XX/XX/XXXX, Accelerated reviewed their files and discovered they lack the documentation necessary to prove the debt. Rather than : Provide the requested validation Attempt proper service and face my validation defense Risk sanctions for filing without proper documentation They chose to abandon the lawsuit entirely.

This proves the lawsuit was either : A. Filed Without Proper Documentation Accelerated filed suit hoping I wouldn't defend When challenged with validation request, they couldn't produce evidence Gave up rather than face adverse ruling B. Filed to Intimidate Without Intent to Prosecute Lawsuit was threat tactic only Never intended to actually prove the debt Violates 807 ( 5 ) ( threatening action not intended to take ) C. Filed Without Proper Standing Accelerated doesn't actually own the debt Couldn't prove ownership for service Filed frivolously All three scenarios constitute violations of FDCPA 807 ( 5 ).

VIOLATION # 5 : FDCPA 807 ( 2 ) ( A ) - FALSE REPRESENTATION OF DEBT VALIDITY The Law : FDCPA 807 ( 2 ) ( A ) prohibits : " The false representation of the character, amount, or legal status of any debt. '' Multiple False Representations : A. Continuing to Report After Dismissal After the lawsuit was dismissed on XX/XX/XXXX, Accelerated ( through Oliphant ) continues reporting the debt as valid and collectible. The dismissal demonstrates : They could not prove the debt ( couldn't even serve papers ) They lack proper documentation The debt 's validity is highly questionable Continuing to report a debt as valid after abandoning a lawsuit due to inability to substantiate it constitutes false representation.

B. Amount Inflation Without Itemization Three different amounts have been claimed for this same alleged debt : XXXX original : {$21000.00} Accelerated 's claim ( XX/XX/XXXX ) : {$23000.00} ( + {$1700.00} increase = 7.9 % ) Oliphant 's report ( XX/XX/XXXX ) : {$24000.00} ( + {$2100.00} increase = 10.1 % ) No itemization has been provided explaining : Where did the extra {$2100.00} come from?

Is it interest? At what rate? From what date?

Is it collection fees? What fees are legally authorized?

Is it attorney fees? On what basis?

Claiming inflated amounts without explanation violates FDCPA 807 ( 2 ) ( B ) - false representation of amount owed.

C. False Representation of Legal Authority By filing a lawsuit but failing to effectuate service, Accelerated falsely represented that they had : Proper documentation to prove the debt Legal standing to sue Correct consumer information for service Intent to prosecute the case to judgment The dismissal and subsequent abandonment prove these representations were false.

VIOLATION # 6 : FCRA 623 ( a ) ( 1 ) ( A ) - FURNISHING INACCURATE INFORMATION AFTER DISMISSAL The Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate information to credit reporting agencies.

The Violation : After the following events : Receiving my validation request ( XX/XX/XXXX ) Failing to provide any validation Having their lawsuit dismissed ( XX/XX/XXXX ) Abandoning the case rather than re-file Demonstrating inability to prove the debt Accelerated ( through Oliphant ) continues furnishing information that the debt is valid, accurate, and owed. This is inaccurate information because : The debt could not be validated The lawsuit was dismissed No verification was provided despite written request They abandoned legal action rather than prove the debt Courts have held that reporting unverified debts violates FCRA accuracy requirements. When a creditor or debt collector can not substantiate a debt, continuing to report it as valid is inaccurate per se.

PART 3 : PATTERN OF SYSTEMATIC VIOLATIONS THREE DISMISSED LAWSUITS IN SEVEN MONTHS : This is not an isolated incident. I have successfully defended three debt collection lawsuits in the past seven months, all resulting in dismissals : 1. XXXX XXXX  ( XXXX XXXX  ) - DISMISSED XX/XX/XXXX Amount : {$5000.00} XXXX  filed lawsuit I defended pro se XXXX  could not substantiate debt Court dismissed 2. Accelerated Inventory Management ( XXXX debt ) - DISMISSED XX/XX/XXXX Amount : {$23000.00} Accelerated filed lawsuit I sent validation letter ( XX/XX/XXXX ) Accelerated continued without validation Court dismissed for failure to serve Accelerated abandoned rather than re-file 3. XXXX XXXX XXXX ( XXXX  debt ) - DISMISSED XX/XX/XXXX Amount : {$14000.00} XXXX  filed lawsuit I defended pro se XXXX  could not substantiate debt Court dismissed This Pattern Demonstrates : Debt buyers systematically purchase debts without proper documentation They file lawsuits hoping consumers won't defend When challenged with validation requests or defenses, they can not produce evidence They dismiss or abandon cases rather than face adverse rulings Yet they continue reporting these unvalidated debts to credit bureaus Accelerated Inventory Management and Oliphant USA LLC are part of this systemic problem of purchasing and reporting debts without proper documentation or legal standing.

PART 4 : THE DOUBLE REPORTING VIOLATION XXXX XXXX CONTINUES REPORTING AFTER SALE : Adding to the violations by Oliphant and Accelerated, the original creditor ( XXXX XXXX ) continues to report this same debt, creating double reporting : Current Credit Report Shows : XXXX : {$21000.00} charge-off, notation : " Purchased by another lender - ACCELERATED INVENTORY MGT '' Oliphant ( for Accelerated ) : {$24000.00} collection account This Is The Same Debt Reported Twice : Same original creditor ( XXXX ) XXXX admits selling to Accelerated Oliphant is Accelerated 's collection agency Timeline matches ( both from XXXX ) The Combined Impact : Instead of one negative tradeline for this alleged debt, I have TWO : XXXXXXXX XXXX charge-off : {$21000.00} Oliphant 's collection : {$24000.00} Total false debt reporting : {$45000.00} ( 107 % inflation ) This creates : Double credit score damage False appearance of multiple debts Debt-to-income ratio falsely inflated Credit denials based on inaccurate totals FCRA Violation : When a debt is sold, only ONE entity may report it : Original creditor ( with {$0.00} balance showing " sold/transferred '' ), OR Current owner/collector Not both. 
XXXX admits they sold the debt ( " Purchased by another lender '' ) yet continues reporting the charge-off. This violates FCRA 623 ( a ) ( 5 ) ( duty to update after sale ) and creates double reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ).

HARM SUFFERED 1. Credit Devastation Oliphant 's {$24000.00} collection account tradeline has destroyed my credit profile : Major negative impact on credit score Combined with double reporting from XXXX ( {$21000.00} ), appears as {$45000.00} in bad debt Two separate negative tradelines for one alleged debt Exponential damage to credit score 2. Credit Denials and Unfavorable Terms Due to these inaccurate tradelines, I have : Been denied credit applications citing " multiple collection accounts '' Received unfavorable interest rates on approved credit Been denied housing applications Suffered higher insurance premiums Been unable to obtain favorable financing terms 3. Professional Embarrassment As someone who has successfully defended multiple debt collection lawsuits, having my credit destroyed by unvalidated debts reported by collectors who never contacted me is professionally humiliating and undermines my credibility.

4. Time and Resources Expended As a pro se litigant, I have spent : Hundreds of hours researching FDCPA and FCRA law Significant time defending Accelerated 's frivolous lawsuit Resources on court filing fees, certified mail, document preparation Lost work time attending court hearings Countless hours disputing these accounts with credit bureaus 5. Emotional Distress The stress of : Defending a lawsuit on an unvalidated debt Having my credit destroyed by a collector who never contacted me Being forced to spend time and resources on frivolous collection efforts Watching my credit score plummet due to inaccurate reporting Professional damage and personal embarrassment 6. Ongoing Harm Despite the lawsuit dismissal, both Oliphant and XXXX continue reporting these accounts as valid. The harm is ongoing and will continue until these violations are corrected.

REQUESTED RELIEF IMMEDIATE ACTIONS REQUIRED : 1. DELETION OF OLIPHANT TRADELINE Immediate and permanent deletion of Oliphant USA LLC 's tradeline ( Account # XXXX, {$24000.00} ) from all three credit bureaus ( XXXX, XXXX, XXXX  ) Updated credit reports showing deletion within 15 days Confirmation that deletion is permanent and will not be re-inserted 2. DELETION OF XXXX XXXX TRADELINE Immediate deletion or update to {$0.00} balance with " Sold/Transferred '' notation XXXX admits selling the debt and must stop reporting per FCRA 623 ( a ) ( 5 ) Eliminate double reporting violation 3. CEASE AND DESIST ALL COLLECTION ACTIVITIES Oliphant must cease all credit reporting activities Accelerated must cease all collection activities on this alleged debt Neither may sell, transfer, or reassign this debt to another entity Neither may re-file lawsuit or make any further collection attempts 4. INVESTIGATION BY CFPB Full investigation into : Oliphant 's systematic practice of reporting consumer debts for years without ever contacting consumers or sending validation notices Accelerated 's systematic practice of continuing collection during validation periods and filing lawsuits without proper documentation Both companies ' practices of reporting dismissed debts as valid Review of their entire portfolios for similar violations affecting other consumers MONETARY RELIEF REQUESTED : 5. STATUTORY DAMAGES UNDER FDCPA 813 ( a ) Statutory damages up to {$1000.00} per violation : Against Oliphant USA LLC : FDCPA 809 ( a ) violation ( no validation notice for 2.5+ years ) = {$1000.00} FCRA 623 ( a ) ( 8 ) violation ( reporting without FDCPA compliance ) = {$1000.00} FCRA 623 ( a ) ( 1 ) ( A ) violation ( inaccurate reporting/wrong contact info ) = {$1000.00} Against Accelerated Inventory Management : FDCPA 809 ( b ) violation ( collection during validation period ) = {$1000.00} FDCPA 807 ( 5 ) violation ( lawsuit without proper standing ) = {$1000.00} FDCPA 807 ( 2 ) ( A ) violation ( false representation after dismissal ) = {$1000.00} FCRA 623 ( a ) ( 1 ) ( A ) violation ( continued reporting after dismissal ) = {$1000.00} Minimum Total Statutory Damages : {$7000.00} 6. ACTUAL DAMAGES Compensation for : Credit denials and lost credit opportunities Higher interest rates paid on approved credit ( quantifiable ) Higher insurance premiums due to credit-based pricing Housing denials and higher security deposits Litigation costs defending frivolous lawsuit ( filing fees, certified mail, etc. ) Lost work time ( hundreds of hours at reasonable hourly rate ) Emotional distress and mental anguish Professional harm and reputational damage 7. ATTORNEY FEES AND COSTS Under FDCPA 813 ( a ) ( 3 ), even pro se litigants may recover reasonable attorney fees. I request compensation for the substantial time spent : Researching FDCPA and FCRA violations Preparing validation letters and court defenses Defending frivolous lawsuit Preparing this complaint Disputing with credit bureaus CORRECTIVE ACTIONS REQUIRED : 8. POLICY CHANGES AT OLIPHANT USA LLC Require Oliphant to implement : Mandatory consumer contact before any credit reporting Verification that validation notice was sent and received before reporting Quality control to ensure accurate consumer contact information Prohibition on " reporting only '' collection strategies Regular audits of reported accounts for FDCPA compliance 9. POLICY CHANGES AT ACCELERATED INVENTORY MANAGEMENT Require Accelerated to implement : Immediate cessation of all collection upon receiving validation requests Prohibition on filing lawsuits during validation periods Documentation review before filing lawsuits to ensure proper standing Mandatory validation responses within 30 days Deletion of accounts from credit reports when lawsuits are dismissed 10. INDUSTRY-WIDE REVIEW CFPB review of debt buyer practices regarding validation and documentation Investigation of " collection by credit reporting '' strategies that avoid consumer contact Review of lawsuit practices by debt buyers Enforcement actions against systematic violators 11. ACCOUNTABILITY AND DETERRENCE Public enforcement action against both companies Referral to Florida Attorney General for state consumer protection violations Referral to FTC for systematic FDCPA violations Civil penalties to deter future violations Required compliance monitoring for both companies SUPPORTING DOCUMENTATION I can provide upon request : 1. Court Dismissal Order - Accelerated Inventory Management Case No. XXXX Order dated XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX Reason : Failure to effectuate service THIS DOCUMENT IS ATTACHED 2. Debt Validation Letter to Accelerated Dated XX/XX/XXXX Sent via certified mail Invoking FDCPA 809 ( b ) Requesting complete verification 3. Certified Mail Receipt Proof Accelerated received validation letter Establishes timeline for 809 ( b ) violation 4. Dunning Letter from XXXX XXXX  Dated XX/XX/XXXX Shows amount claimed ( {$23000.00} ) Only communication received regarding this debt 5. Credit Reports Showing Oliphant tradeline ( Account # XXXX, {$24000.00} ) Showing XXXX  tradeline ( {$21000.00} with " Purchased by another lender '' notation ) Proving double reporting of same debt Showing 2.5+ years of Oliphant reporting 6. Evidence of No Contact from Oliphant Phone records showing no calls from Oliphant Email records showing no emails from Oliphant Postal records showing no mail from Oliphant 2.5+ years of zero communication 7. Other Court Dismissals XXXX XXXX  dismissal ( XX/XX/XXXX ) Velocity Investments dismissal ( XX/XX/XXXX ) Demonstrating pattern of debt buyer validation failures 8. Credit Denial Letters Letters citing " multiple collection accounts '' Letters citing " derogatory tradelines '' Evidence of harm caused by inaccurate reporting 9. Amount Discrepancy Documentation XXXX  : {$21000.00} XXXX  XXXX letter : {$23000.00} Oliphant report : {$24000.00} No itemization explaining increases CONCLUSION This complaint presents clear, documented, and systematic violations of federal consumer protection law by both Oliphant USA LLC and Accelerated Inventory Management.

OLIPHANT 'S VIOLATIONS : For 2 years and 8 months, Oliphant has been reporting a {$24000.00} collection account to credit bureaus, destroying my credit profile, without EVER contacting me once. Not a single letter, phone call, email, or validation notice. This violates the most fundamental requirement of the FDCPA - that debt collectors must send a validation notice within 5 days of initial communication.

The dismissal of Accelerated 's lawsuit for " failure to effectuate service '' proves Oliphant either : Never had correct contact information ( making their reporting inaccurate ) Had correct information but never used it ( proving they never contacted me ) Either way, Oliphant can not accurately report a debt for 2.5+ years without having basic, verified consumer contact information.

ACCELERATED 'S VIOLATIONS : After receiving my debt validation letter on XX/XX/XXXX, Accelerated was required by law to cease collection and provide verification. Instead, they continued prosecuting their lawsuit for 77 days without providing any validation.

When the court dismissed their case for failure to serve, Accelerated chose to abandon the lawsuit entirely rather than re-file with proper service. This proves they lack the documentation to validate the debt and can not prove their legal standing.

Yet despite this dismissal and inability to validate, they continue reporting the debt through Oliphant as if it were valid and collectible.

DOUBLE REPORTING : The original creditor ( XXXX ) admits they sold the debt to Accelerated, yet continues reporting the charge-off. Combined with Oliphant 's collection tradeline, this creates {$45000.00} in false debt reporting for what is allegedly a single {$21000.00} debt.

THE PATTERN : I have successfully defended three debt collection lawsuits in seven months, all dismissed because the debt buyers could not substantiate their claims. This demonstrates a systematic industry problem : debt buyers purchase debts in bulk without proper documentation, report them to credit bureaus through collection agencies that never contact consumers, and file lawsuits without proper standing.

Oliphant USA LLC and Accelerated Inventory Management are poster children for everything wrong with the debt buying industry.

They have : Destroyed my credit for 2.5+ years without ever contacting me Continued collection during a validation period Filed a lawsuit they couldn't prosecute Abandoned the lawsuit rather than prove the debt Continued reporting after dismissal Created double reporting with the original creditor Inflated the debt amount without explanation These violations are clear, documented, and ongoing. They must be stopped immediately.

I respectfully request : Immediate deletion of all inaccurate tradelines Full CFPB investigation into both companies Monetary damages as detailed above Corrective action to prevent future violations Enforcement action to hold these companies accountable The FDCPA and FCRA exist to protect consumers from exactly this type of abusive debt collection practice. I ask the CFPB to enforce these laws and require Oliphant USA LLC and Accelerated Inventory Management to comply with federal law.

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation