Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, CO XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX LLC XXXX XXXX XXXX XXXX, FL XXXX To whom it XXXX concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be XXXX would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form OLIPHANT USA , LLC ( HR12 ) - ( BS-7 ) 182373XXX OLIPHANT USA , LLC - HR-12 Equifax XXXX Account # XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$6000.00} Credit Limit : XXXX -- Creditor Type : - MiscellaneousAndPublicRecord Date Reported : - XXXX XXXX Date : XXXX -- Creditor Remarks : XXXX -- Date Opened : XXXX XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- High Balance : XXXX {$5700.00} Last Verified : Past Due Amount : XXXX -- XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : -- I am disputing the account OLIPHANT USA , LLC ( XXXX ) on my credit report, inaccurately listed as CollectionOrChargeOff, with dates XXXX and XXXX. This impacts my ability to get financing. 
Under 15 U.S.C. 1681i, you must verify accuracy. In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), courts ruled that inaccuracies should be corrected. Please delete this account and provide proof of the {$6000.00}. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CO XXXX SSN : XXXX XXXX : XX/XX/XXXX OLIPHANT USA , LLC XXXX XXXX XXXX XXXX, FL XXXX Also, see the image above for OLIPHANT USA , LLC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both XXXX as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party XXXX be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX SSN : XXXX XXXX : XX/XX/XXXX OLIPHANT USA , LLC XXXX XXXX XXXX XXXX, FL XXXX Page XXXX of XXXX

Company response to consumer: Closed with explanation