{"took":82,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16144490","_score":27.94213,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this rebuttal because Omni Financials most recent response to my CFPB complaint is wholly inadequate, recycled from a prior dispute, and fails to meet even the basic requirements of verification under the Fair Credit Reporting Act ( FCRA ).\n\nOmni continues to rely on boilerplate contract language while refusing to provide any verifiable documentation of the balance they are reporting. This is the second CFPB complaint I have filed on this account, and Omni has demonstrated a clear pattern of evasive, bad-faith responses.\n\nMajor Failures by Omni Discretionary Interest = Not Enforceable The contract states Omni may charge post-default interest. XXXX is discretionary, not mandatory. Reporting discretionary amounts as fixed debt is deliberately misleading and violates FCRA 623.\n\nNo Itemized Proof Omni has never provided daily accrual logs, amortization schedules, or payment applications. A blanket citation to the contract does not verify the specific figures they are furnishing.\n\nInconsistent Balances If interest were accruing at the APR, the balance would grow predictably. Instead, figures fluctuate ( e.g., {$110.00} one month, {$100.00} the next ), proving the numbers are arbitrary and unverifiable.\n\nWaiver of Interest Exposes the Truth Omni has already offered to waive post-default interest. A legitimate, enforceable debt can not be selectively erased.\nTheir own actions prove the reported balance is negotiable and not fixed.\n\nOngoing False Delinquency Reporting Omni continues to update the tradeline every month as if newly delinquent, despite charge-off years ago. This creates the false impression of a fresh default and severely damages my credit standing, including mortgage eligibility.\n\nRepeat Bad-Faith Responses Two CFPB complaints, two copy-and-paste replies. This is not a reasonable investigation under FCRA 623 ( b ). It is avoidance.\n\nWhy This Matters Legally FCRA 623 ( a ) ( 1 ) : A furnisher can not knowingly report inaccurate or misleading information.\n\nFCRA 623 ( a ) ( 8 ) : Information must be complete and verifiable. Omni has failed twice.\n\nFCRA 611 ( a ) ( 5 ) : Bureaus must delete unverifiable information after reinvestigation.\n\nOmni has made no effort to substantiate the actual balance they are reporting. They are furnishing discretionary, inconsistent, and negotiable figures as if they were verified obligations. This is inaccurate and unlawful. \n\nRequired Action Because Omni has repeatedly failed to verify the accuracy of the account : The credit reporting agencies must immediately delete this tradeline as unverifiable.\n\nThe CFPB should recognize Omnis repeated boilerplate replies as a failure to conduct a reasonable investigation and take appropriate enforcement action.\n\nI have now given Omni and the bureaus multiple opportunities to correct this. Continued non-compliance will be treated as willful reporting of inaccurate information under the FCRA.","date_sent_to_company":"2025-09-25T01:38:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"74006","tags":"Servicemember","has_narrative":true,"complaint_id":"16144490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-09-25T01:35:44.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Required Action Because <em>Omni</em> has <em>repeatedly</em> <em>failed</em> to verify the accuracy of the account : The credit reporting agencies must immediately delete this tradeline as unverifiable.\n\nThe CFPB should recognize <em>Omnis</em> repeated boilerplate replies as a failure to <em>conduct</em> a reasonable investigation and take appropriate enforcement action.\n\nI have now given <em>Omni</em> and the bureaus multiple opportunities to correct this."]},"sort":[27.94213,"16144490"]},{"_index":"complaint-public-v1","_id":"16573337","_score":27.298025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have received Omni Financial 's final response, in which you refuse to negotiate via letter and demand communication by phone. Your attempt to move this liability negotiation off the record is rejected. \n\nOmni Financial 's persistent conduct demonstrates Willful Non-Compliance with the FCRA and a Reckless Disregard for federal law, meeting the legal threshold for maximum damages in a lawsuit. \n\nI. Evidence of Legal Violations and Willful Non-Compliance Omni has repeatedly failed to conduct a reasonable investigation and correct the inaccurate tradeline : Military Lending Act ( MLA ) Violation & Void Debt : Prohibited Practice : The MLA, 10 U.S.C. 987, prohibits creditors from requiring a service member to use a military allotment to repay a consumer credit transaction. Omni 's Admission : Your communication to the CFPB confirms the loan payment was received via Allotment. This constitutes a legal admission that the loan is void from its inception. \n\nWillfulness : Omni had separate formal notice of the MLA issue in April 2025, yet willfully continued to report this void debt.\n\nIllegal Collection Attempts & Refusal to Communicate in Writing ( FDCPA Violation ) : Your demand that I call Omni to \" resolve your financial concern '' is an illegal collection attempt on a void debt. \n\nYour refusal to negotiate in writing and demand for a phone call is an attempt to evade the creation of a legally enforceable settlement document and will be cited as a further FDCPA violation in court. \n\nFurnishing Inaccurate/Aged Data ( FCRA Violation ) : Omni used documents stating a XXXX Debt Validation date for this account, which originated on XX/XX/XXXX. \n\nData Insertion During Active Dispute ( FCRA Violation ) : On XX/XX/XXXX, while this account was under an active dispute investigation, Omni added new data to the tradeline. Adding new data during a pending investigation is an illegal willful act that interferes with the dispute process. \n\nWillful Data Manipulation ( FCRA Violation ) : Following the formal dispute dated XX/XX/XXXX, Omni refused to delete the void debt. Instead, Omni engaged in willful data modification, altering 9 fields of data on the tradeline. \n\nII. Non-Negotiable Settlement Demand Omni Financial 's cumulative actions trigger a civil cause of action seeking statutory damages of {$100.00} to {$1000.00} per violation under the FCRA and FDCPA, plus attorney 's fees and punitive damages. To avoid an immediate federal lawsuit for all cumulative violations, I demand the following non-negotiable settlement : Immediate Deletion : Permanently delete the Omni Financial tradeline ( # XXXX ) from all three credit bureaus. \n\nCash Settlement : Pay a non-negotiable cash settlement of {$15000.00}. \n\nOmni Financial has 7 calendar days from today 's date to agree to this full settlement in writing. If I do not receive a written agreement by the deadline, I will immediately file suit in XXXX XXXX XXXX and demand a Jury Trial without further notice.","date_sent_to_company":"2025-10-14T14:52:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"74006","tags":"Servicemember","has_narrative":true,"complaint_id":"16573337","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CashRepublic Holdings, Inc.","date_received":"2025-10-14T14:43:04.000Z","state":"OK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Evidence of Legal Violations and Willful Non-<em>Compliance</em> <em>Omni</em> has <em>repeatedly</em> <em>failed</em> to <em>conduct</em> a reasonable investigation and correct the inaccurate tradeline : Military Lending Act ( MLA ) Violation & Void Debt : Prohibited Practice : The MLA, 10 U.S.C. 987, prohibits creditors from requiring a service member to use a military allotment to repay a consumer credit transaction. <em>Omni</em> 's Admission : Your communication to the CFPB confirms the loan payment was received via Allotment."]},"sort":[27.298025,"16573337"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2}]}},"product":{"doc_count":2,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}}]}},"issue":{"doc_count":2,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":2}]}}]}},"timely":{"doc_count":2,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":2}]}},"company_response":{"doc_count":2,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":1},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":2,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":2}]}},"company":{"doc_count":2,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CashRepublic Holdings, Inc.","doc_count":2}]}},"state":{"doc_count":2,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"OK","doc_count":2}]}},"company_public_response":{"doc_count":2,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":2,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}