Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
I am submitting this formal written complaint against Oliphant USA LLC for unlawfully furnishing and reporting a fraudulent, previously deleted debt to XXXX  under Account # XXXX. This tradeline is directly tied to a prior account with XXXX XXXX XXXX XXXX ( # XXXX ) that was removed from my credit file after I submitted a validated FTC Identity Theft Report, supporting documentation, and multiple disputes. 

Despite this resolution, Oliphant began reporting the same debt under a new name, account number, and without legal notice or validation, in violation of numerous federal and state consumer protection laws.

Nature of Violations and Misconduct : Oliphant 's reporting is inaccurate, misleading, deceptive, and unlawful for the following reasons : No debt validation was provided before or after the tradeline appeared.

No notice of debt assignment or transfer was ever issued, as required under Florida law.

The reported balance is inflated to {$7400.00}, exceeding the original charge-off of {$7000.00}, with no documentation or breakdown. 

The tradeline contains a false open date ( XX/XX/year>2020 ) and is missing the Date of First Delinquency ( DOFD ) and last payment date, both of which are essential for legally reporting charged-off debts. 

The tradeline fails to identify the original creditor ( XXXX XXXX / XXXX ), giving a deceptive appearance of a new and unrelated debt. 

I have no agreement, contract, or communication with Oliphant USA LLC.

This unlawful reporting has negatively impacted my credit score, led to credit denials, caused emotional and financial harm, and forced me to expend time disputing an already resolved matter.

Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information that is inaccurate, incomplete, and unverified.

1681e ( b ) : Failure to ensure the maximum possible accuracy of information.

1681b : Reporting without a permissible purpose. No relationship, account, or authorization exists between me and Oliphant.

1681c ( a ) ( 4 ) - ( 5 ) : Failure to report Date of First Delinquency and date of last payment critical for compliance with credit reporting time limits.

1681i ( a ) ( 7 ) : I am formally requesting the Method of Verification Oliphant allegedly used to verify the accuracy of this tradeline, if any.

Fair Debt Collection Practices Act ( FDCPA ) : 1692g ( a ) - ( b ) : No written validation or notice of my right to dispute was ever provided.

1692e ( 2 ) ( A ) : Misrepresentation of the amount, character, and legal status of the debt.

1692f : Unfair and unconscionable means to collect or report a debt that has not been verified.

Florida Statutes Violated : 559.715 ( FCCPA ) : No 30-day written notice of assignment was provided prior to collection or reporting.

501.204 ( FDUTPA ) : Deceptive and unfair trade practices, including reporting a rebranded, blocked debt without disclosure, validation, or consent. 

XXXX XXXX Credit Reporting Guidelines : The tradeline fails multiple XXXX XXXX fields : Field 22 ( DOFD ) : Not furnished Field 24 ( Payment History ) : Missing Field 25 ( Account Status ) : Incomplete Field 27 ( Special Comment Code ) : No notation of dispute, identity theft, or pending validation Reporting data in this incomplete and deceptive manner misleads lenders and violates industry-standard credit furnishing obligations.

Harm to Me : This unlawful and deceptive credit reporting practice has caused me the following harm : Significant credit damage, lowering my score Credit application denials, including personal financial opportunities Emotional XXXX, wasted time, and repeated disputes of an already resolved identity theft matter XXXX  had previously removed the original XXXX XXXX XXXX XXXX account. The reappearance of this same debt now under Oliphant USA LLC is clearly an attempt to re-age and reinsert a fraudulent account in a deceptive and unlawful way.

Company response to consumer: Closed with explanation