Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Omega RMS, LLC
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding my repeated attempts to resolve unverified debt and credit reporting inaccuracies with Omega RMS. Despite my efforts to contact them, they have failed to comply with their legal obligations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below, I outline the details of my attempts to resolve this matter and the actions ( or lack thereof ) taken by the company. 1. Initial Contact attempts : On XX/XX/XXXX, XXXX, I mailed a letter to Omega RS at their business address in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX requesting verification of a debt they had placed on my credit report. Specifically, I asked for documentation substantiating the validity of the debt, including a signed agreement, transaction history, or any other evidence demonstrating my liability for the account. On XXXX XXXX, XXXX, I sent a follow-up letter via certified mail to the same address, reiterating my request for debt verification and asking for the source of the information, including the identity of the original creditor and details regarding how the debt was reported. On XX/XX/XXXX, I sent another certified letter to Omega RMS, again requesting verification of the debt and noting that they had failed to respond to my previous communications. 2. Failure to verify the debt : Despite my repeated requests, Omega RMS have not provided any documentation or verification of the debt within the 30-day period required by the FDCPA ( 15 U.S.C. 1692g ). The debt remains unverified, yet it continues to appear on my credit report, negatively impacting my creditworthiness. 3. Credit Reporting errors : The same debt, allegedly owed to the same creditor, appears on my credit report **three separate times** under different entries. This duplication is inaccurate and misleading, and it violates the FCRAs requirement that credit reporting agencies and furnishers ensure the accuracy of reported information ( 15 U.S.C. 1681c-1 ). Actions Requested : 1. **Verification of the Debt : Omega RMS must provide documentation that substantiates the validity of the debt, including but not limited to a signed agreement, transaction history, or any other evidence demonstrating my liability for the account. 2. Source of the Information : Omega RMS must identify the original creditor and provide details regarding how the debt was reported to the credit bureaus. Cited Laws : - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : ** Requires debt collectors to provide verification of the debt within 30 days of receiving a written request from the consumer. - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-1 : Mandates that credit reporting agencies and furnishers ensure the accuracy and integrity of information included in consumer credit reports. Conclusion : I have made multiple good-faith attempts to resolve this matter directly with Omega RMS , but they have failed to respond or comply with their legal obligations. I respectfully request that the CFPB investigate this matter and ensure that Omega RMS take the necessary corrective actions to resolve these issues promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation