Consumer complaint received 2025-09-14 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: MD

Complaint narrative:
Complaint Against Oliphant USA , LLC Continuing Collection Activity After Agreement to Delete Trade Line Summary of Issue : On XX/XX/year>, Oliphant USA , LLC responded to my CFPB complaint ( Case # XXXX ) and stated that, as a courtesy, they submitted a request for the tradeline to be deleted from my credit reports. Despite this representation, I continue to receive harassing text messages from Oliphant demanding payment of {$1600.00} and offering loan products through XXXX XXXX. These messages were sent after the company acknowledged the account was disputed and that the tradeline would be removed. 

Violations of Law : Oliphants actions violate multiple provisions of federal law, including : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d & 1692e Continuing to send text messages demanding payment after agreeing to delete the tradeline constitutes harassment ( 1692d ) and false, deceptive, or misleading representation of the legal status of the debt ( 1692e ).

By simultaneously agreeing to remove the tradeline while still collecting, Oliphant is engaging in contradictory and deceptive practices.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Once a debt is disputed and the furnisher requests deletion from the credit bureaus, it is unlawful to continue treating the debt as valid for collection purposes. Oliphant is failing to conduct itself consistently with its obligations under the FCRA.

3. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 & 5536 Harassing communications after resolving a CFPB complaint constitute an unfair, deceptive, or abusive act or practice ( UDAAP ). 

Evidence Provided : CFPB response screenshot from Oliphant dated XX/XX/year> stating tradeline would be deleted. 
Multiple text messages ( dated XX/XX/year>, and XX/XX/year> ) from Oliphant demanding {$1600.00}, contradicting their written statement. 

Relief Requested : 1. Permanent cessation of all collection activity by Oliphant related to this alleged debt.

2. Written confirmation that the account has been permanently closed and will not be sold or reassigned.

3. Removal of all references to this account from all credit reporting agencies.

4. Investigation into Oliphants harassing and deceptive practices with potential referral for enforcement. 
5. If warranted, I am reserving my right to pursue legal action for violations of FDCPA, FCRA, and CFPA. 

Subject : NOTICE OF INTENT TO SUE DEMAND FOR COMPENSATION Dear Oliphant USA , LLC, This letter serves as my formal Notice of Intent to Sue regarding your unlawful collection and credit reporting practices. 

On XX/XX/year>, you responded to the Consumer Financial Protection Bureau ( CFPB Case # XXXX ) stating you had requested deletion of the alleged tradeline from my credit reports. Despite this, you continued to send harassing text messages ( including on XX/XX/year> and XX/XX/year> ) demanding {$1600.00} and promoting XXXX XXXX products. 

These actions directly contradict your representations to a federal regulator and violate : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692d & 1692e ) Consumer Financial Protection Act ( 12 U.S.C. 5531 & 5536 ) Demand for Resolution To avoid immediate litigation, I demand the following within 10 days of receipt of this letter : 1. Written confirmation of permanent deletion of the alleged tradeline from XXXX, XXXX, and XXXX.

2. Written assurance that all collection activity has ceased permanently and that this account will not be resold, reassigned, or reinserted.

3. Monetary compensation of {$7500.00} for continued harassment, emotional distress, reputational damage, and violation of my consumer rights.

If you fail to comply, I will proceed with filing a federal lawsuit in the U.S. District XXXX seeking statutory, punitive, and actual damages, attorneys fees, and injunctive relief. 

This letter is your final opportunity to resolve this matter amicably before litigation begins. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation