OLIPHANT FINANCIAL, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92806	Web
pOn XXXX/XXXX/XXXX had a car accident my car was total & my insurance issue a check for {$10000.00} on XXXX/XXXX/XXXX I deposit the check in my bank acc. on XXXX/XXXX/XXXX and next day XXXX/XXXX/XXXX I check my accounts & they were in XXXX even my children accs. since I work as a banker in the same bank XXXX XXXX I was able to find out what happened to my accs. they told me that a collection company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a Levy in my name for {$32000.00} exactly XXXX '' after I deposit my check. After work I went to the XXXX Police Station to file a Police Report. On Monday XXXX/XXXX/XXXX I called XXXX XXXX at XXXX enquiring about why they levied my accounts, they told me that the address they have for me at the time of the judgment was XXXX XXXX XXXX XXXX XXXX XXXX CA ( I have never lived at that address , County or City ) & that was about a debt of {$9800.00} from XXXX XXXX ( I have never buy something from XXXX XXXX, this store went Bankruptcy on XXXX ) I told them that I have filed a Police report, they told me to send a copy of Police report & that they will removed the judgment. On XXXX/XXXX/XXXX send Police report # XXXX & some copies of my credit report from XXXX to XXXX to XXXX XXXX XXXX fax # XXXX same day talked to a supervisor XXXX XXXX ext XXXX she said that she will call me back on XXXX/XXXX/XXXX which she never did. I filed a complaint with FTC, hired an Attorney, filed an exemption to Sheriff in XXXX for wage garnishment, money in the bank & safe deposit box that they have seized. They seized {$11000.00} from my accs. {$970.00} from wages & my safe deposit box. Before this occurrence I never new and never received any notification of any XXXX or Judgment from this company or their attorneys, I do have an excellent Credit & since XXXX I being monitoring my credit, my credit report have never showed a Judgment or any account from XXXX XXXX. After all this I found out that Oliphant a collection company filed a judgment in my name on XXXX the basis of the judgment is a debt with XXXX XXXX, but the only documents that they used to filed the judgment is a credit application that shows my information but the signature and the ID number is different than my ID #. There is not contract or any receipt that shows any purchase of furniture from XXXX, they do n't have one & they ca n't produce one because does n't exist. The judge signed them a judgment with not contract ( a judgment is a product of a breach of contract ) only a fraudulent credit application. I being twice in court as a ex-parte but they Attorneys have never showed up & judge always defend them & have n't set aside Judgment ( is the same judge that signed this illegal judgment ) On XXXX/XXXX/XXXX went to court again first with the same judge of the judgment, they did n't showed up judge did n't grant me to set aside judgment as a ex-parte he want me back on XXXX/XXXX/XXXX, but I went with other Judge for the wage garnishment the same day and Judge was upset & asked the Attorney if his firm was fighting my allegation or if his firm ever considered Identity Thief & why they never showed up with the other judge, his answer was that he did n't know & also did n't know that they were collecting from me. This judge stop wage garnishment until we go to next court date on XXXX/XXXX/XXXX. I have never applied or buy anything from XXXX XXXX, I being calling this people send the application back to them from FTC ( FTC contacted them about my complain ) & proof or Identity thief on XXXX/XXXX/XXXX they have never stop collection as they promised or replied back to my faxes or ever return my multiples phone calls I had made to them. I 'm taking XXXX medication, I 'm not able to replace my car & what they left me after wage garnishment is not enough to pay my necessities of life, I being using my credit to pay for food and bills.
03/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34714	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL OLIPHANT FINANCIAL XXXX XXXX XXXX XXXX GA XXXX RE : Collection account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX XXXX.
10/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30135	Web
XX/XX/2023 I noticed an account on my credit reports from a random third party called Oliphant that I never had any business relationship with. Oliphant was attempting to collect on a debt in the amount of {$900.00} allegedly on behalf of a company called XXXX that I never had any business relationship with. I have had my identity stolen and sent Oliphant a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent Oliphant account with the credit bureaus. Oliphant however continued reporting this fraudulent Oliphant account with the credit bureaus. XX/XX/2023 I noticed Oliphant still reporting this fraudulent Oliphant account with the credit bureaus. I then sent Oliphant a DEBT VALIDATION LETTER via certified mail XX/XX/2023. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so. Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports. I then sent Oliphant a FAILURE TO RESPOND letter via certified mail XX/XX/2023. Oliphant violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. Oliphant violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. Oliphant violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) Oliphant was required to cease collection efforts until the alleged debt was validated but failed to do so. Oliphant continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, Oliphant FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail September 2, 2023. I saw the fraudulent Oliphant account XX/XX/2023 on my credit reports and it is still there as of this filing.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32208	Web
I continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. I also have a complaint with XXXX XXXX in the same fashion... I paid/settled this account with XXXX XXXX XXXX on XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... I also have a complaint with Oliphant collection agency for a HQ shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. I also have a complaint with XXXX XXXX XXXX for XXXX XXXX Credit Card ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX has yet to update my credit report as such ... .XXXX credit services have since deleted their trademark from my credit file with all 3 major bureaus but Bank of Missouri has yet to update my credit file... Thanks... I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX has yet to update my credit files..Thanks..
12/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34714	Web
This is in reference to an alleged debt from XXXX XXXX and Oliphant Financial. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered XXXX XXXX and financially. Your company and its agents XXXX me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. While going through my XXXX Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently XXXX XXXX XXXX XXXX XXXX I was also discriminated against and denied my right to extend credit. I have suffered XXXX as well as financial hardship. I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports XXXX away any alleged balance owed XXXX as per the attached invoice ; {$25000.00}. You shall be granted XXXX ( XXXX ) days to respond. Rule XXXX. Presumptions in Civil Cases Generally - explains your duty to respond. Rule XXXX. Need for XXXXersonal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony. If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. Thank you for your attention to this matter,
04/26/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 22406	Web
I applied for an on line loan with XXXX XXXX and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 36 months paid a total of {$35000.00}. Due to high medical cost for my wife and bank fraud on my checking account. I called XXXX XXXX customer service on XXXX XX/XX/XXXX after I paid {$980.00} for XX/XX/XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of XXXX XXXX Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that XXXX XXXX never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at XXXX XXXX to discuss my payment plan and concerns over balance owed to date. Currently OLIPHANT FINANCIAL are trying to collect {$26000.00} I sent registered mail a Validation of Debt Letter with no response? I spoke with a representative who was very harsh like a mobster! I explained my circumstances and needed validation of debt? He directly told me he would need payments to resolve this debt in one year at {$2200.00} a month! I never heard back from this collection agent for over two years! Now started in XX/XX/XXXX continues phone calls daily and now a settlement letter dated XX/XX/XXXX with terms : 1 payment of {$14.00}, XXXX or 3 payments of {$5800.00} or 6 payments of {$3100.00}. This is not even reasonable since I already paid {$35000.00} of the XXXX owed at {$980.00} for 36 months!!
09/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 64152	Web
In XX/XX/2023, Oliphant financial posted a collection account to my credit. I called Oliphant and learned they had attempted to send a letter to an address in XXXX AZ that I had lived at in over five years. Oliphant told me that the original creditor was a company called XXXX and I told Oliphant that I have a fraud alert on my credit file and that I do not remember ordering anything from this company and that in XXXX my banking information was hacked so I needed to verify this charge. I told Oliphant that I never received any communication from them prior to them reporting this to my credit file and that I had not opportunity to validate the debt within the 30 days I am entitled to. I then filed a complaint with the XXXX complaint # XXXX. Oliphant used stall tactics initially responding to my XXXX complaint that they couldn't respond because it would reveal my personal information and they did not have permission from me. So I did not accept that response and their second response was to have me call them again. When I called them again, I was just told the same thing so I'm not sure what the point was in having me call them again. I have called XXXX and apparently this company does not exist anymore. It was bought out and the new company can not prove that I was the one who ordered this or give me any additional information. The original creditor can not validate the debt! I offered Oliphant the money just to be rid of this headache and have my credit restored but I was told they do not offer pay for delete. Because I never received proper notice and because the debt can not be validate since XXXX does not exist anymore all collection accounts should be immediately DELETED. For reference Oliphant employees I spoke to XXXX and XXXX.
07/31/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MN 56560	Web
I called this company I explained to them that the XXXX XXXX loan that I had was supposed to be vacated because I am on Social Security XXXX and needs-based aid all other companies that I had had to file this with because I have become unemployable for quite a long time had taken the steps to dissolve the debt and to write it off this company purchased this debt from the XXXX XXXX XXXX XXXX and is trying to illegally collected from a Social Security recipient Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the XXXX XXXX has taken the steps to do this and they were sent to the proper documentation showing that I am a needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they are Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the XXXX XXXX has taken the steps to do this and they were sent the proper documentation showing that I am on needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they arePracticing actions that are considered against the law
12/06/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 64152	Web
Oliphant posted a collection for acct XXXX XXXXXXXX without sending me the legally required notice as per the fair debt collection act. I filed a XXXX complaint and Oliphant 's response was to contact them. When I contacted them, they were unable to validate the debt. I called the original credit XXXX XXXXXXXX XXXX myself and I was advised that company was acquired by XXXX and they had no record of me buying anything from then. Despite this, Oliphant said if I paid the debt, they would DELETE the collection account. On a recorded line, they verbalized these terms DELETION of the collection account and these were the payment terms I agreed to those terms. Several weeks later, Oliphant simply updated the collection as a PAID collection owing a {$0.00} balance. I called Oliphant and spoke with a manager named XXXX and I told her these were not the payment terms I agreed to and to check the recording. XXXX advised that the collection would be deleted eventually, but that I had to wait until the end of XXXX for processing. It is now XX/XX/XXXX. The collection has not been deleted as per my agreement. Oliphant is in breach of their agreement. I have contacted Oliphant several times. My number must be on alert with them because the line either automatically disconnects or I am just left on hold. On Friday XX/XX/XXXX I was told XXXX would be calling me back, but she never called me back. Again, Oliphant is in breach of their payment agreement to DELETE/REMOVE the collection that they could never properly validate in the first place. I request IMMEDIATE deletion of the collection or Oliphant can review my recorded call and refund me my payment as they are in BREACH of the payment agreement.
02/14/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46112	Web
Oliphant Financial , LLC. is trying to collect a debt from me that is not mine. I have been a victim of identity theft. The original account held with XXXX XXXX XXXX XXXX opened in my name using my information for a LOC for {$14000.00} on XX/XX/XXXX. The account was then charged off with a total amount of $ XXXX I found out about the issue on my credit report, I filed a police report on XX/XX/XXXX and the account was removed from the credit reporting agencies shortly after. I was then sued for the debt and have not been able to explain to the court that I was a victim of identity theft. I already have a default judgment put in against me because I thought I was going to be given a court date to present my case in front of a judge which did not happen. I submitted a small claims case against Oliphant Financial on XX/XX/XXXX after I was served by their attorney on XX/XX/XXXX. During the hearing of my small claims case ( XXXX ) on XX/XX/XXXX against the debt collector, I was told I could not file a claim against a case that had already been decided in another court. However, when I submitted the small claims case on XX/XX/XXXX, the case had not been decided yet. The default judgment was filed on XX/XX/XXXX and entered/issued on XX/XX/XXXX. I had no opportunity to defend myself as a victim of fraud and identify theft. I want Oliphant to show evidence of their ability to collect on this debt from me, i.e. a signature, proof of using the funds, etc. By request, I have submitted my police report, FTC report, and FTC affidavit to Oliphant in hopes they would resolve this but it doesn't seem like that is the case.
02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 704XX	Web
I began receiving collection letters and calls from Oliphant Financial LLC stating that I had an outstanding debt that was placed for collection. I was told that I couldn't be sued for the debt because of the age of the debt and it being statute of limitations expired. I sent a letter requesting detailed information about the debt because I had no knowledge of the debt and wanted verification. I never received the requested verification of the debt. I then began receiving notices ( both by mail and telephone calls ) from XXXX XXXX XXXX XXXX stating that they were trying to collect the debt for Oliphant Financial LLC. I called the number on a letter I received ( XXXX ) and spoke to XXXX. I again asked for verification of the debt. He notified me that the debt was transferred to a company named XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and asked to be provided with verification of the debt and was told that they mailed me a collection letter in XXXX and I was asking for verification outside of the time frame that was listed in the letter. However, I never received a letter from XXXX XXXX XXXX. On XXXX/XXXX/23, I received a credit monitoring alert showing that a new collection/charge off account was added to my credit report. It lists XXXXXXXX XXXX XXXX as the original creditor and Oliphant Financial as the current creditor. This company has added an old debt that is statute expired to my credit report and reported it as if it is a new debt but has failed to provide me with any verification of the debt.
05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72023	Web	Servicemember
Over the past several years, I have received letters approximately once per year from this company ( or another iteration of the same, but under a different name ). Oliphant, LLC, claims that I owe a debt in the amount of {$380.00} from a company called XXXX. I have disputed this alleged debt numerous times, and Oliphant has never provided verification of the debt. As such, they usually remove the unverifiable debt from the credit bureau reports. This past XXXX, XXXX, I received yet another letter from this company. As per usual, the amount owed, the original debtor, and the account numbers were slightly altered. In fact, the original debt was first reported approximately 8-9 years ago. I disputed the debt and received a reply that Oliphant acknowledges that they are unable to verify the debt, that they would take no further collection action, and that they would not report the alleged debt to the credit bureaus. In XX/XX/XXXX, I discovered that the unverified debt was on my credit reports. On XX/XX/XXXX, I submitted a dispute to XXXX and XXXX. Both credit reporting companies replied that Oliphant CONFIRMED and VERIFIED the debt. To date, Oliphant, LLC, continues to report the alleged debt to each bureau, thereby harming my credit and damaging my ability to obtain credit. I have retained copies of all letters sent to Oliphant, and its " partners '', over the years. In addition, I have retained receipts from the US Postal Service each time they have been notified of a dispute.
11/27/2017	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	MD 21044	Web
had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted XXXX XXXX on multiple occasions to inform them of my hardship status. after 90 days of non payment, XXXX XXXX has forwarded the debt to 3rd party collection agency OLIPHANT FINANCIAL LLC. I received written notice from OLIPHANT FINANCIAL LLC dated XX/XX/XXXX requesting a response to the collection debt. I contacted OLIPHANT FINANCIAL on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize OPLIPHANT FINANCIAL LLC nor anyone representing OLIPANT FINANCIAL LLC to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by OLIPHANT FINANCIAL LLC in attempts to collect debt to be very unlawful. for the record this complaint is for OLIPHANT FINANCIAL LLC ( rep XXXX AT XXXX )
12/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 34714	Web
Issue - Your company is attempting to collect a debt without a contract. Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$9300.00}. There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). XXXX XXXX is a respected professional in her community and has put a lot of effort into building a positive reputation. The Plaintiff is a resident of Florida, and has worked as a business owner in the community, and at all this time, the plaintiff has enjoyed a good reputation. The plaintiff believes that the defendant has been maliciously spreading false and unfounded statements that are causing serious harm and damage to their reputation, misrepresenting their character. Under the laws in the State, it is illegal and unlawful for a person to intentionally spread false statements with the intention to harm a persons reputation without factual evidence. As a result of the defamatory statement, the plaintiff has suffered the loss of her reputation, shame and caused alleged damages.
12/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34772	Web	Servicemember
On XX/XX/2022 at XXXX hrs, I recieved mail from XXXX XXXX XXXX stating that I owe {$480.00}. I am not familiar with the debt & immediately called, I spoke with XXXX & he identified my social security number and stated they were a collection agency, for Oliphant Financial Services. I advised him that my Identity was stolen and I had a Fraud Alert on my credit file as well. He advised that a Fraud packet will be sent to my mailing address, to sign it & mail it back. He insisted on me providing additional information, but I would not. He disconnected the call. I am unable to see XXXX and XXXX and both scores decreased tremendously. I did report my Identity being stolen to FTC and my local Sheriffs Office report. I also contacted creditors as well. I made contact with XXXX at XXXX with Oliphant Financial Services, but she insisted on me establishing an account with their online portal in order for them to assist me. I denied their services and did not establish a profile, account, nor debt with them and did not want to establish any profile. I repeatedly this information. She insisted I did not understand what they serviced and that she was not getting through to me I quote ; then she kept advertising their services and to just sign on. I refused. She did not verify an account, but she did ask me what was the amount.
03/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL XXXXX	Web	Older American
I took a loan with XXXX XXXX not sure exact time line however, I could no longer afford due to health issues and less work hours. So I contact XXXX XXXX Legal attorneys and started in a program on XX/XX/XXXX made continuous payments up until XX/XX/XXXX when I checked in with XXXX XXXX they assured me payments were being made then I received collection notice to XXXX with a company I never heard of so I called XXXX XXXX they assured payments were being made to XXXX XXXX and gave me a number to call they said they never heard of me or XXXX XXXX they were called XXXX XXXX and they gave another number same thing about 5 times I could not locate XXXX XXXX. And XXXX couldn't either so we didn't know where payments were going I was never notified of this prior turned out now a new lender with a different name who another lender sold to it was in about XXXX different loan companies and this last one after further investigation turned out to be Oliphant USA llc which I found out on my XXXX credit report I then found XXXX XXXX quit sending payments as of XXXX which I also was never notified a huge unprofessional mess this company also never reached out to me either if not for my credit report I never would of known of this mishandling of my money but yet month after month with a few missed months I was paying.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91202	Web
I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. XXXXXXXX XXXX is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 200XX	Web	Servicemember
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT oliphant USA Oliphant USA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and against federal law, and florida and DC XXXX XXXX illegally and unethically accessed my credit report, which has an active freeze and fraud alert on it. this is violating federal and state law and they have been reported to the florida attorney general, local law enforcement, XXXX police department for fraud and ID theft, and the CFPB. This is illegal and you will stop accessing this XXXX persons and veterans credit reports immediately or i will file a multi millions dollar lawsuit against you for fraud pain sufferings and emotional distress!! cease and desist your illegal activity now or i will file criminal charges against you and sue your company for XXXX of dollars!! leave this XXXX person and veteran the XXXX alone and stop violating the law!!!
02/22/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NJ 080XX	Web
When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, XXXX XXXX XXXX XXXX tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a Registered Representative - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?
05/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75024	Web
Received a letter from Oliphant USA LLC stating debt was owed. called Oliphant and spoke to representative and advised that the debt was not valid. Rep stated that she would note the account and send back to original credit XXXX XXXX XXXX Never happened, I called XXXX XXXX after the account was put on my credit and they stated that the company no longer had the account is was sold when they purchased XXXX. However the representative advised me that they were collecting on behalf of XXXX XXXX. When the account was added to my credit report, I contacted Oliphant and was advised that they did not know anything about the account anymore due to my file being collected on by the sister company XXXX and XXXX. Called XXXX and XXXX and spoke to rep and advised that I never received a letter to dispute the debt, and the debt was being disputed by Oliphant. RepXXXX stated nothing in file about a dispute and that he could send me a letter out regarding the validity of the debt. The account had been put on my credit report before I could dispute the debt. Oliphant is the collection agency that reported the account, however XXXX and XXXX is attempting to collect on a invalid debt.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX {$520.00} Opilphnt usa llc {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXXXXXX {$230.00}
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts shout not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer-reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer, Im demanding the deletion of the accounts listed IMMEDIATELY!
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 290XX	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave Oliphant USA LLC any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the account listed IMMEDIATELY! Oliphant USA LLC {$420.00}
09/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Improper use of your report Reporting company used your report improperly	TX 77521	Web
On XX/XX/XXXX I received a phone from a company by the name of Oliphant Financial , LLC. Oliphant claimed that I owed them {$13000.00}, that I XXXX XXXX XXXX took out a loan that was never paid .Unware of what Oliphant Financial , LLC was referring to, I requested for contract documentation to be sent .I also provided Oliphant Financial , LLC with my mailing address. I also informed this company that I have never done business with them, nor did I provide them with my personal information. I also informed this company that I am a victim of Identity theft. On XX/XX/, I received another phone call from this company requesting that I make payment. I informed them that I still have not received a bill nor contract documentation. on XX/XX/XXXX I wrote a letter to Oliphant Financial requested for contract documentation. On XX/XX/, my request was met. I have attached contract. I never shared my personal information with this, nor did I take out a loan with this company. My name is XXXX XXXX XXXX. Not XXXX XXXX, I did not sign any contract with Oliphant Financial , LLC.
06/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
The first time I had ever heard of this company is when they sent a bill for me to pay 2 to 3 months ago. I immediately called the company to advise they had the wrong person and that I didnt owe the debt that it was fraud. I advised the company I dont even go by the name on the bill they sent to me and I never bought anything. The lady I spoke with said that they would not bother me again and send the account back to the company that hired them to send me the bill. Today I get a letter from this collection agency stating they purchased the account and they are trying to collect and harass me for a bill I know nothing of and that I know I dont owe. I do not owe this company anything and Ive advised them to cease and XXXX harassing me and do not put anything on my credit report that I dont owe. The name is incorrect, I never signed any contract, i never purchased anything, and I know nothing about this company, Then the company is showing stuff in XXXX and XXXX but the first time ever sending me anything or I couldve disputed this back during those times.
05/28/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20874	Web	Older American
I have taken a personal loan, from XXXX XXXX, on XXXX amount I have taken, is {$6000.00}. I continued to make monthly payments, {$250.00}, as agreed, until XX/XX/XXXX. I was unemployed ( Terminated by Employer ) since XX/XX/XXXX, and unable to make payments as agreed and continued to pay half of agreed monthly amount, {$120.00} until XX/XX/XXXX. The Creditor, has not deducted the payments, which I made from XX/XX/XXXX to XX/XX/XXXX. The Credit balance {$4800.00} has brought forward from XX/XX/XXXX to XX/XX/XXXX, without deductions and the Account has Charged Off on XX/XX/XXXX, with a balance of {$4800.00}. The original Creditor, had sold the account to Oliphant Financial LLC, and received the confirmation Letter dated,XXXX. Then I received a letter from the new Creditor, Oliphant Financial LLC, on XX/XX/XXXX, with an increased balance of {$5000.00}. There was no reason for increased amount. I have informed the Oliphant Financial LLC, about my Financial hardship, as a result of my 30 % XXXXXXXX, my old age of XXXX years, and unemployment situation.
05/16/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	IN 46237	Web
I received a call from a person name XXXX refused to give last name. said she is with Oliphant Financial she called my job to the girl that answered the phone she was calling about a debt i have n't paid. Cashier came and found me said there is a XXXX on the phone that said I have a outstanding bill she needs to talk to me about. I picked up the phone a a lady said she was with Oliphant Financial and I ask what this is about and she said she needed my social and d.o.b ..i told her Im not giving it to her.She said I know your at work and the girl told her I ca n't get personal calls at work and she said she said it was important it was a legal matter. I ask her last name and she said i ca n't get it. I told her somebody calls me at my job and ask for my ss # and date of birth but wont tell me why or give me her last name. she hung up on me. I still have no idea why she called she did not give me any info .gave cashier more info than she gave me that I owe money on a bill .but told me unless I give her my ss # and d.o.b she wont give me information
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11206	Web
On XX/XX/23 Oliphant USA , LLC furnished a collections account onto my XXXX credit report. Oliphant failed to contact me regarding the alleged debt before furnishing this information to XXXX. Per Regulation F : 12 CFR 1006.30, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act, information about a debt before the debt collector : i. Speaks to the consumer about the debt in person or by telephone ; or ii. Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. Oliphant did neither. They furnished inaccurate and detrimental information to my credit report without contacting me and allowing me to dispute the information or request validation as set forth by the Consumer Financial Protection Bureau. XXXX failed to properly investigate this and provide resolution. Instead, XXXX claimed that the account was verified as accurate.
02/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84047	Web	Servicemember
Oliphant Financial , LLC have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. They have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 I've filed with the FTC for this identity theft and I have a copy of my IRS affidavit of theft. This my last time requesting you remove your inaccurate information for placing this on my credit report.
08/13/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA XXXXX	Web	Servicemember
On XX/XX/2020 at XXXX XXXX I received a call from Oliphant Financial , LLC XXXX OFL XXXX, a debt purchaser and third-party collection agency based in Florida. The caller identified herself as a XXXX and she stated she was trying to collect a debt. XXXX begin to read a script and she asked me how I would like to pay the debt. I told her that the debt was not mine and not to call me again. She asked me why did I answer my phone if it wasn't my debt, I told her because she called my phone and I have a right to answer my phone. I again asked her not to call me and XXXX stated she will call me again. I called the number back XXXX and I believe she answered and confirmed she indeed worked for Oliphant Financial. I never had a credit card with XXXX, the only contact I have had with XXXX was a recent credit card application I submitted and as of XX/XX/2020, I have not heard if I was approved or denied.
10/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33573	Web
Oliphant USA Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Oliphant USA never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
02/26/2018	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NJ 074XX	Web
In XX/XX/XXXX I took a loan out for approximately {$800.00}. To repay the loan I arranged to have payments of {$100.00} a month automatically deducted from my checking account. After some months had passed two payments did not clear. I then began being charged {$240.00} a month. The last payment taken out was in XX/XX/XXXX My checking account was then closed. On XX/XX/XXXX I received a notice from Oliphant Financial , LLC that the current balance due was {$3600.00}. I called the collection agent and told them that I have unemployed and living on minimal medical/general assistance since XXXX of XXXX. They offered my a payment arrangement of {$25.00} a month which would amount to one quarter of my entire monthly income. I replied that I would unable to pay that amount and would be seeking help moving forward with a resolution.
10/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47362	Web
Oliphant Financial of XXXX, GA has been trying to collect a so called debt. In XXXX of XXXX I was sent a letter of this debt. I requested a debt validation letter. I then sent a letter disputing their findings. I never heard back from them. In XXXX of XXXX I then received a letter from XXXX XXXX XXXX of Ohio. A debt collector hired by Oliphant Financial. Again I ask for a debt validation letter. I then also disputed their findings. I never heard back from them. Now in XXXX of XXXX I received a letter from XXXX XXXX XXXX a debt collector from XXXX Ohio also hired by Oplihant financial. I now going through the same thing again. This is clear to me that this is now XXXX and XXXX. They dropped it twice do to lack of evidence. Also these so called debts are passed the statue of limitations In Indiana.
06/07/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10954	Web
I have filed several complaints and am getting nowhere. I am attaching XXXX response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.
05/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75098	Web
Oliphant received my first complaint with no remedy other than they're willing to work with me. There was no mention of inaccurate and expired information submitted to XXXX and how they plan to resolve it. Below is an excerpt of their previous response : Please allow this correspondence to serve as the formal response for Oliphant Financial , LLC ( Oliphant ) to the complaint filed by XXXX XXXX ( Consumer ) as referenced in CFPB Case # XXXX. Oliphant takes these complaints very seriously and we strive to ensure that we conduct business in a legal, professional, and courteous manner. Upon receiving the Consumer Financial Protection Bureau complaint, Oliphant immediately requested that the account be restricted, and the account details reviewed as they pertain to the allegations of the complaint.
05/25/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 95993	Web
I spoke wit h Oliphant Financi al on XXXX , I tried calling for 3 days so I finally left a message on XXXX and they called me back. I spoke to them about paying {$100.00} on my bill and they said yes, and I set up {$100.00} payments through XXXX . They took it upon themselves to take {$300.00} out of my account and I am stuck in North Carolina when I live in california and am suppose to leave tomorrow. My bank can not do anything at this time and oliphant financial closed before their designated time. I am very upset that they just helped themselves after stating on a recorded line that {$100.00} was the only authorized total that was suppose to be taken out of my account. I did not authorize {$300.00} after the {$100.00} was the authorized.
06/05/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97478	Web
They keep calling me about an account in a debt management program. I have given them the information numerous times and they continue to call and tell me that they can't find it. I have asked them to stop calling me repeatedly and threatening me with ruining my credit. I started the debt management program to prevent me from this happening and it continues. The lady that called today said I will continue to call me until I give her the information. I didn't have the information with me at work and explained I have given Oliphant financial this information at least 5 times. The XXXX credit card is getting paid directly by XXXX through the program. They should have this information and then threatened to file a judgement.
06/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23832	Web
The company is a collections company by the name of Oliphant USA LLC they are saying that I have an account with XXXX with a debt of XXXX I have told them over and over that I did not open this account! I told them to send me paperwork and proof and they can not! This is the only thing in collections on my credit report because I pay all of my debt! I did not open this account with these people it has to be fraud!! I'm begging to get this collection debt off of my credit report because I have worked to hard to get my credit where it is! This was placed on my credit report XX/XX/XXXX. They claimed it was opened in XXXXXXXX XXXX XXXX. This is not my account the original creditor they claim to be is XXXX XXXX XXXX
07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 21012	Web	Servicemember
I received a call from this company phone number called from was a robo/ XXXX ( XXXX ) XXXX not belonging to them. A XXXX asked for me and asked was dob XX/XX/XXXX she attempted to say shes a debt collector - I asked what company are you referring to she claimed XXXX Credit Card - very odd I explained because I had this removed from my report years ago for fraud ( the card was stolen and I proved not my debt with a previous company ) they never provide anything to me just removed it. She said well we bought this from them and not pursing? How can you do this after it was removed and resolved? Totally fraud. I will seek legal action from this company. They failed to research and threaten to add it back!
01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84047	Web	Servicemember
As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request XXXX to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.
03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AE XXXXX	Web	Servicemember
In XX/XX/XXXX, XXXX XXXX placed a collection account in the amount of {$920.00} on my credit report, from a company, OLIPHANT USA LLC. There was no letter of notificaiton of the debt. Additionally, the " investigation '' did not provide the original document/promissary note, nor my signature that I agreed to pay this debt. No validation was suppled when disputed. I have never lived in, nor did business with any organization in Florida, nor with XXXX XXXX in XXXX. XXXX XXXX states the debt is valid, but, no proof of the debt has been provided. I have written to the company for request for validation and it was ignored. XXXX - Dispute XXXX XXXX XXXX XXXX, PA XXXX
03/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	SC 296XX	Web	Servicemember
Oliphant Collection Agency placed a collection account on my credit that was opened through XXXX XXXX. I have tried repeatedly to get in contact with someone to get the issue resolved. I was able to finally reach someone at XXXX XXXX and they confirmed that the social security number and birth date was incorrect but transferred me to different departments that kept transferring me to different departments. I have my social security card and drivers license to prove that these accounts does not belong to me. What's strange is that the collection agency placed it on my credit not XXXX XXXX. I tried calling Oliphant Collection Agency repeatedly and no one answered.
09/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07306	Web
I had a XXXX credit card it was charged off I paid it in a settlement it was sent from credit store to oliphant financial to XXXX XXXX and when I spoke to XXXX XXXX they said the account is paid for {$800.00} and they dont know why Im being reported so I called Oliphant back and they claim that they have no access to my account to call XXXX XXXX back. Im getting a run around, they reported my to XXXX and they took off 14 points off my score on an account that was already satisfied. I want my score restored to XXXX and for the to erase themselves off my credit report due to fraud and negligence. BTW I never got notification of this debt cause it was already paid.
03/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85202	Web	Servicemember
Oliphant Financial continues to contact me and harass me in regards to account # XXXX. I am a victim of identity theft. The account is a fraudulent account. I have never applied for a personal loan from XXXX. The account is the result of identity theft. The account is not mine and dont belong to me. I been receiving harassing and threatening phone calls from Oliphant Financial Represenatives. The representatives have used abusive and profane language and threaten me with wage garnishment, arrest, jail and prison time for a fraudulent account thats not mine. This a clear violation of the Fair Debt Collection Practices Act.
05/31/2018	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75067	Web
I received a suspicious letter on XX/XX/XXXX dated for XX/XX/XXXX from a company that claims a debt was sold to them. Didn't receive notice of right to dispute. * The letter does not advise of my right to dispute Didn't receive enough information to verify debt. * The letter only indicated a credit account ending in XXXX, an amount, and the last payment allegedly made. Notification didn't disclose it was an attempt to collect a debt. * No indication that it was a debt collector or the letter was an attempt to collect a debt. ( No mini-Miranda ) I will not initiate contact with this company as it looks suspect.
07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10453	Web
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.
06/08/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
05/09/2015	Yes	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	AZ 864XX	Web
This company keeps trying to collect on a debt that originated from another creditor that has settled the account and charged off and shows paid on my credit report with all XXXX credit bureaus. This company has nothing to do with the original creditor. They are saying because the original creditor charged off an amount that I still owe that even though it was settled with original creditor They have called multiple times a day. some days early late and in the middle of the day. they have also called just after XXXX on a Saturday morning which I am including with this complaint
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	GA 30052	Web
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
11/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48322	Web
I received notice that I am being sued for a debt with XXXX XXXX, closed in XXXX. I received a letter from their collection agency Oliphant Financial. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the XXXX XXXX.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30214	Web	Servicemember
OLIPHANT, XXXX XXXX AND XXXX ARE IN VIOLATION OF MY RIGHTS BY REPORTING INCORRECT AND INACCURATE INFORMATION. NOTE THE DISCREPANCIES IN THE TWO ATTACHMENTS. I WAS ALERTED TODAY BY MY MONITORING SERVICE THAT THE BALANCE ON A LONG CLOSED COLLECTION ACCOUNT INCREASED. OLIPHANT HAS NOT PROVEN TO ME THEY HAVE A RIGHT TO COLLECT, THEY ARE NOT REPORTING AS A COLLECTION BUT AS " OTHER '', AND THEY INCREASED THE BALANCE ON A COLLECTION ACCOUNT WHICH IS NOT LEGAL. HOW CAN OLIPHANT CHARGE ME INTEREST? I HAVE NO CONTRACT OR AGREEMENT WITH THEM.
09/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94928	Web
I am not familiar with the debt this company is trying to collect, more importantly the debt they are attempting to collect has been " time barred '' and is well past the 4 years of time allowed to collect this debt in the State of California. Additionally, they are in breach of the law due to the fact they did not print anywhere on the collection notice that the debt was time barred as required by law. Letter Received : XX/XX/2021 Amount : {$7000.00} Letter states that I " Requested validation of this debt '' ..which I never did.
06/21/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 347XX	Web
Oliphant Financial LLC is currently trying to sue me for a debt that I do not owe, for {$4900.00}. I am now being forced to appear in court XX/XX/2022, and I do not owe these people anything. I do not know them. They have done very little in providing verification of this debt as a matter of fact none of the information they have provided actually proves the debt is mine.They do not have a signature, not even an electronic one. They are infringing on my rights as a consumer, and I am requesting that this please stop.
07/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11235	Web
XXXX XXXX XXXX reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out XXXX XXXX SOLD my loan to OLIPHANT FINANCIAL on XX/XX/2019. I contacted Oliphant immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from Oliphant that my account PAID IN FULL. therefore XXXX XXXX should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which XXXX XXXX refuse to do & keep negative mark on my credit history.
01/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30349	Web	Servicemember
Sent a certified debt validation letter to the the XX/XX/2018 requesting the company to validate the debt. The company has not responded to my request. The account was discharged through my bankruptcy and the account is still reflecting as if I currently owe a debt of {$850.00}, oliphant purchased the debt from XXXX XXXX. I called the company XX/XX/XXXX to confirm the mailing address and a representative from the company confirmed the XXXX address as the correct address.
04/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22401	Web
I keep receiving XXXX number calls from various numbers for a XXXX XXXX which is not my name. I have had this number for approximately XXXX years and I currently do not have any debt. The person on the phone does not identify their company and has not remove my number from their list. The latest number was XXXX XXXX XXXX XXXX and the woman hung up on me when I demanded to be removed from their list telling her they have repeatedly called the wrong number.
03/31/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48312	Web
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
02/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 187XX	Web
I have some fraudulent accounts and addresses and job that do not belong to me and I have no knowledge of.one of the accounts is a XXXX account, and the other account is a collection account from a company called oliphant collection agency.I contacted both companies and ask them to provide documentation that those accounts belong to me but the couldn't.i would like these accounts removed because these accounts are a act of fraud.
09/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08648	Web
This agency contacted me by phone on or about XX/XX/2023 about a debt I have no knowledge of and do not owe. I advised this verbally and was assured I would receive documentation by mail. To date, I have not received any documentation of the alleged debt. Furthermore, I sent the attached letter on XX/XX/2023 and have not received a response. Despite the debt being in dispute and completely unverified, it was reported to XXXX.
03/23/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Having problems with customer service	IL 605XX	Web
Was not contacted 4 years later about some private loan I supposedly took out and they are trying to collect it. I keep trying to call XXXX college but they keep giving me bogus numbers where nobody answers. I called the collection agency to get some information and they will not give me any info at all. They said call XXXX college but again this gets me nowhere with bogus numbers where noone answers or hangs up on me.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70131	Web
I saw a collection from OLOPHANT XXXX LLC drop onto my credit in XXXX, XXXX for a XXXX XXXX XXXX that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with XXXX through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, XXXX yeas later.
07/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web
On XXXX XXXX I sent a certified letter informing this company that I was a victim of fraud. They never sent me not one piece of information regarding this erroneous account. On XX/XX/2023 I also sent them a Identity theft report and I have still not heard a word from them. I have gone to XXXX XXXX XXXX XXXX several times regarding fraudulent accounts. I also filed a claim with the XXXX XXXX XXXX
06/22/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	VA 22315	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
10/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85142	Web
I have already contacted XXXX XXXX XXXX XXXX XXXX to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX. A police and Identity theft report has already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account. This account needs to be removed from my credit profile.
03/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37086	Web
A collection agency is trying to collect money from me on a credit card that I've never had or used. The opened date my XXXX XXXX say is XXXX XXXX. The name of the company trying to collect is XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have disputed it and called the collector to let them know it's fraud. So far nothing is happening. Thank you.
10/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM 87112	Web	Older American, Servicemember
I received a letter from the law firm of XXXX and XXXX XXXX. in XXXX, Missouri, saying that I owed money to Oliphant Financial LLC in the amount of {$10000.00} plus interest of {$900.00} I tried calling the number in the letter, but when answered, was told that company was not taking calls
11/11/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08873	Web
I have made XXXX attempts with Oliphant Financial to obtain information about the alleged debt and I have not received a response. I used the collectors website contact us button and also the information email : XXXX. I have not gotten a response.
03/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30519	Web
Debt collector did not comply with 15 U.S.C. 1692 and provide language in the initial letter notifying the debtor that he or she has 30 days with which to dispute the debt. Oliphant Financial XX/XX/2021 {$1900.00} no actions were taken by me --
09/27/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75104	Web
Talked it over with a court appointed mediator to resolve the issue with a specific amount agreed upon. Then next I receive documents to sign that doesnt reflect to what we settled with including an outrageous amount of compound interest.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30214	Web	Servicemember
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4
03/13/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33176	Web	Servicemember
We were under litigation and agreed to an agreement but they did not disclose that they would report me to consumer credit bureaus if that information was disclosed we would have change our defense strategy and agreement.
01/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92553	Web
I was a victim of identity theft. Someone open several accounts under my name without my authorization. I have no idea what this debt is about. Will like this company to stop calling me and sending me collection letters.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30228	Web
It's been well over 1 month and a half and Oliphant usa llc is totally ignoring the law as well as XXXX, and they are using stalling tactics. This alleged debt isn't mine and I want it removed from my credit report.
08/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11434	Web
Im not sure what kind of loans was taken out in my name but someone got whole of my information and use it to open account and get loans in my name
07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PA 19128	Web
I have tried several times to explain that these weren't my accounts but for some reason no one is believing me.
04/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 20151	Web
Debt occurred from identity theft and the collection company didn't even verify this account
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77035	Web
I did not sign a contract with this company. Please delete from credit report.
12/13/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75154	Web
Oliphant calls my job twice a day every day for months now.
02/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	PA 17404	Web
They harassed me left messages on my vm etc
01/29/2024	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34287	Web

01/25/2024	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 076XX	Web

01/25/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30214	Web	Servicemember

01/20/2024	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33409	Web

01/19/2024	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33056	Web

01/11/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web

01/11/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web

01/11/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web

01/10/2024	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20878	Web

01/09/2024	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75071	Web

01/09/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33523	Web

01/05/2024	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34221	Web

01/04/2024	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23060	Web

01/03/2024	No	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY XXXXX	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95833	Web

12/26/2023	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AZ 85009	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92595	Web

12/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33020	Web

12/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web

11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10462	Web

11/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76137	Web

11/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10453	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 77433	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 18641	Web

11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 18641	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21217	Web

10/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ID 83714	Referral

10/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11206	Web

10/25/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10459	Web	Servicemember

09/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31645	Web

09/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10462	Web

09/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20904	Web

08/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77085	Web	Servicemember

08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11434	Referral

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95833	Web

07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93313	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44130	Web

07/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19116	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48221	Web

06/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 54952	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30345	Web

06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28054	Web

06/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19938	Phone

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36575	Web

05/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77450	Web

05/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77091	Web

05/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32043	Web

05/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11234	Web

04/26/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 11221	Web

04/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07304	Web

04/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75098	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77433	Web

04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18641	Web

03/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10013	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46229	Web

03/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91426	Web

03/18/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10013	Web

03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10801	Web

03/04/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08801	Web

02/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33431	Web

02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07304	Web

01/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34714	Web

10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53154	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web

10/15/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AZ 85009	Phone

05/07/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28103	Web	Older American

03/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	SC 29710	Web

12/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11779	Referral

09/28/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21284	Web	Servicemember

09/12/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07050	Phone

08/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33446	Web

05/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11434	Postal mail

04/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11434	Postal mail

11/10/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53132	Phone

08/23/2017	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 81521	Web

07/13/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07003	Web

03/21/2017	Yes	Credit card	Other		Postal mail

12/29/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 02740	Phone	Older American

11/30/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 24073	Postal mail

01/11/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32779	Postal mail	Older American

11/09/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	VA 24073	Postal mail

09/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97702	Phone

07/06/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94565	Phone

05/12/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32312	Referral

04/29/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	TX 76039	Referral	Older American

03/23/2015	Yes	Payday loan	Received a loan I didn't apply for	AL 35759	Web

03/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WI 53209	Web	Older American

02/19/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	GA 30067	Web

02/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 49548	Web

01/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WA 98109	Web

12/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	NH 03108	Web

08/28/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NV 89110	Web

08/04/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10954	Web

07/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32824	Web

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32724	Web

07/24/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	OR 97067	Web	Older American

07/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	FL 34610	Phone

07/11/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92614	Web

06/26/2014	No	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	CT 06013	Web

06/10/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	SC 29445	Web

04/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30342	Web

04/09/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	PA 19130	Web

02/18/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NH 03104	Web	Servicemember

02/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18466	Web

12/16/2013	No	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	NY 11203	Phone

11/01/2013	Yes	Credit card	Delinquent account	MO 63136	Web

10/02/2013	No	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	CO 80602	Web

08/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60543	Web