Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
Follow up from previous case XXXX Oliphant USA , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Continued Dispute of Alleged Account Failure to Validate Debt Per Oliphants Reply, Original Creditor : XXXX XXXX  XXXX XXXX XXXX CFPB XXXX # : XXXX Dear Oliphant USA , LLC XXXX This letter serves as my final formal notice and demand for full deletion of any alleged account you claim is owed to XXXX XXXX, XXXX XXXX XXXX per your own reply identifying this as the original creditor. 

You have failed to comply with my previous written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and have therefore not provided legal proof that this debt is valid, accurate, or collectible. 

XXXX. Your validation was legally insufficient Your recent response contained only my name, an alleged balance, and reference to XXXX XXXX, XXXX XXXX. It did not include : - Any signed contract, loan agreement, or document bearing my signature or electronic consent ; - Any detailed accounting or itemization of how the alleged balance was calculated ; - Any chain of assignment, bill of sale, or legal transfer proving Oliphant USA , LLC has authority to collect ; - Any written confirmation from XXXX XXXX  verifying your right to collect this alleged debt. 
Without these materials, your submission does not meet the statutory requirement for proper debt validation under FDCPA 809 ( b ). Any continued attempts to collect or report this debt without complete proof constitute a clear and willful violation of federal law. 

XXXX. Notice of intent to pursue legal remedies Be advised that if you continue to attempt collection, report this debt to credit bureaus, or fail to remove the tradeline, I will take immediate legal action for violations of the following statutes : - Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, 1692g ) - Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) - Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ) - Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) If you do not comply, I will file formal complaints with the CFPB, FTC, and the Georgia Attorney Generals Office, and I will initiate a civil lawsuit seeking statutory damages, actual damages, costs, and attorneys fees under 15 U.S.C. 1692k. 

XXXX. Formal demand for deletion As you have failed to validate the debt : XXXX. Immediately delete and request permanent removal of any related tradeline or collection reference from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) ; XXXX. Cease all collection activity and communications with me in any form ; and XXXX. Provide written confirmation within fifteen ( XXXX ) days that this alleged account has been deleted from your records and all credit bureaus. 
This notice is made in good faith and serves as your final opportunity to comply with federal and state law before enforcement actions commence. 

Sincerely,

Company response to consumer: Closed with explanation