Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CashRepublic Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX XXXX Service Member XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX To : Omni Financial of Nevada , Inc . 
PXXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX & Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Website : www.consumerfinance.gov Subject : Formal Dispute of Account # XXXX Under FCRA, XXXX, and XXXX Request for Immediate Deletion and Cease Collection CFPB Complaint Reference : # XXXX To Whom It May Concern, I am writing in response to the letter dated XX/XX/XXXX, from Omni Financial regarding my prior dispute submitted to the Consumer Financial Protection Bureau XXXX I respectfully dispute the validity of the negative credit reporting and continued collection efforts on the above-referenced Omni Financial account XXXX I request that this account be deleted from all consumer reporting agencies immediately for the following reasons : XXXX. Violation of the Fair Credit Reporting Act ( XXXX  ) XXXX U.S.C. XXXX As a furnisher of information, Omni Financial is obligated under federal law to report accurate and complete information and to conduct a reasonable investigation upon receipt of a formal dispute. Despite my notice through the CFPB, the account continues to appear negatively on my credit report, and Omni has failed to correct, remove, or fully investigate the inaccuracies. This constitutes a violation of the FCRA. 



XXXX. XXXXervicemembers Civil Relief Act ( XXXX ) XXXX U.S.C. XXXX Your letter confirms that I was on active duty at the time of loan origination. While you argue that SCRA protections do not apply to debts incurred during active service, I maintain that your reliance on a narrow reading of XXXX undermines the Acts broader protections, which may still be applied when servicemembers are actively engaged and under strain. 

Furthermore, courts have interpreted the XXXX to favor servicemembers where undue financial burdens exist, especially in cases involving predatory lending or lack of clear disclosures. If there is any ambiguity, the benefit of doubt should lie with the servicemember. 



XXXX. Violation of the Military Lending Act ( XXXX ) XXXX U.S.C. XXXX The Military Lending Act caps the Military Annual Percentage Rate ( MAPR ) at 36 % and prohibits lenders from requiring allotments or imposing mandatory arbitration. XXXX XXXX loan structure, terms, and collection tactics may be subject to XXXX scrutiny if the loan qualifies as covered credit. Your own documents reference a XXXX XXXX XXXX XXXX, which allows contact with my employer and relatives a practice that may be prohibited under XXXX or related consumer protection statutes. 



XXXX. Improper Post-Charge-Off Interest Accrual and Collection FTC and Case Law Continuing to accrue and report interest after the account was charged off on XX/XX/XXXX may be in violation of federal guidelines and amounts to unfair debt collection and misleading reporting. The FTC and various courts have found such practices to be deceptive and harmful to the consumers right to accurate reporting. 



XXXX. Informed Consent and Deceptive Authorization The agreement you referenced was electronically signed during a period of active military duty. Given the legal complexity and pressure under active-duty conditions, the disclosure and signing process may not meet the burden of informed consent. Moreover, any authorization to furnish information to credit bureaus becomes void if the account was ultimately mismanaged or misrepresented, and if the consumer later withdraws consent under the FCRA and state law. 



Relief Requested I respectfully demand the following actions : XXXX. Immediate deletion of account # XXXX from all consumer reporting agencies ( Experian, Equifax, TransUnion ) under FCRA XXXX. 
XXXX. Permanent cessation of any collection efforts, including contact with me, my relatives, employer, or third parties. 
XXXX. A full accounting breakdown and validation of all amounts assessed, interest applied post-charge-off, and fees. 
XXXX. Confirmation in writing from Omni Financial and the CFPB that this matter has been resolved and the account removed. 



Notice of Intent Should this matter remain unresolved, I am prepared to pursue further remedies including : Filing a private civil claim under FCRA ( XXXX U.S.C. XXXX and XXXX ) Military complaints through the Judge Advocate General ( XXXX ) Reporting to the California Department XXXX XXXX XXXX and XXXX ( XXXX ) Pursuing class action remedies for systematic violations of XXXX obligations Please confirm in writing within XXXX  days of receipt that this account has been deleted and collection has ceased. This is a formal dispute under federal law and notice of potential legal action. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation