Consumer complaint received 2025-10-14 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:
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. 

Omni 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. 

I. 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. 

Willfulness : Omni had separate formal notice of the MLA issue in April 2025, yet willfully continued to report this void debt.

Illegal 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. 

Your 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. 

Furnishing Inaccurate/Aged Data ( FCRA Violation ) : Omni used documents stating a XXXX Debt Validation date for this account, which originated on XX/XX/XXXX. 

Data 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. 

Willful 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. 

II. 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. 

Cash Settlement : Pay a non-negotiable cash settlement of {$15000.00}. 

Omni 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.

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 monetary relief