Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: OK

Complaint narrative:
Please be advised that this submission replaces my most recent complaint, as I inadvertently omitted the intended recipient. This complaint is formally directed to senior-level management and compliance at Omni Financial XXXX and all references, evidence, and requests herein are intended for their review. Any prior submissions sent without specifying senior-level escalation should be treated as superseded by this communication. 



I am submitting this formal senior-level demand for the immediate deletion of Omni Personal Installment Loan # XXXX from all credit reporting agencies and internal records. 

1. Evidence of Inaccuracy and Unverifiable Reporting Despite multiple detailed CFPB complaints, Omnis front-line staff has repeatedly marked my disputes as duplicates within minutes instead of providing verification. This violates my rights under the Fair Credit Reporting Act ( FCRA 1681i ( a ) ) and proves that Omni can not substantiate the account or any portion of the reported balance. 

Omni has admitted in writing that no further information can be provided, further confirming that the account is unverifiable, contradictory, and legally non-compliant. Any further reporting to credit bureaus or to me would be false and arbitrary, leaving deletion as the only lawful option. 

2. Specific Evidence Supporting Inaccuracy A. Improper and Discretionary Interest Reporting Omnis XX/XX/XXXX response states {$2500.00} in post-default interest on a {$6100.00} balance. This represents two years of 36 % simple interest instead of the monthly compounding interest required under the contract, as evidenced by : XX/XX/XXXX : {$110.00} added to {$4600.00} {$4800.00} XX/XX/XXXX : {$110.00} added to new balance {$4600.00} XX/XX/XXXX : {$110.00} added to updated balance Post charge-off, Omni switched to simple interest and admitted willingness to waive post-default interest if I pay, proving discretionary, not contractual, balances. 

B. Illegal Updates During Active Dispute Omni added new delinquency notations and interest while the account was actively disputed. 

This is a direct violation of FCRA 1681s-2 ( a ). 

XXXX Typographical Errors and Non-Authoritative Documents Letters contain multiple errors, including : Debit instead of debt Nonsensical amounts such as XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents Disclaimers stating documents are not authoritative Omni previously claimed a debt validation letter was sent in XXXX, two years before the loan originated in XX/XX/XXXX. This directly undermines credibility. 

D. Front-Line Staff Refusal to Provide Verification All requests for : Full loan agreement and repayment schedule Itemized balances, fees, and interest calculations Documentation authorizing post-default interest have been ignored or dismissed as duplicates, proving they can not substantiate the account. 

E. Intimidation and Misleading Collection Language Omni repeatedly stated : Payment required immediately Potential credit consequences while refusing to substantiate the account, demonstrating intimidation without verification. 

3. Legal and Regulatory Violations FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation.

FCRA 1681s-2 ( a ) : Reporting new delinquency and interest on an account under active dispute.

Truth in Lending / Contract Violations : Switching from compounding to simple interest post-charge-off. 

Procedural Credibility Issues : XXXX debt validation claim, typographical errors, and disclaimers indicating non-authoritative documents. 

Duplication Abuse : Front-line staff marking valid disputes as duplicates improperly avoids compliance obligations. 

4. Conclusion and Formal Demand Omnis reporting of this account is inaccurate, unverifiable, and legally non-compliant. Front-line staff can not substantiate the account, and Omni has admitted no further information exists. Discretionary balances, typographical errors, illegal updates during active disputes, and intimidation tactics further confirm the account is unreliable.

Therefore, I formally demand the immediate deletion of Omni Personal Installment Loan # XXXX from all credit reporting agencies and internal records. 

This demand is not optional, not negotiable, and legally required. Failure to comply will be documented and submitted to regulatory authorities, including the CFPB, for enforcement action.

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