Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omni AR, LLC
State: ID

Complaint narrative:
b'On XXXX XXXX XXXX I received a collection letter from Omni AR LLC in the amount of XXXX collecting on Behalf of XXXX XXXX XXXX XXXX (see attached document)\n\nI responded to this letter by certified letter sent on XXXX XXXX XXXX which contained the following (see attached document): \n\nTo Whom It May Concern,\n\nI am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX  and\nrequest that you immediately cease all collection activity under the Fair Debt Collection\nPractices Act (FDCPA), 15 U.S.C.  1692g. The debt you are attempting to collect on behalf of XXXX XXXX XXXX XXXX  originates from legal services rendered by XXXX XXXX XXXX XXXX which the XXXX XXXX XXXX  reviewed and found to have violated multiple professional conduct rules during her representation of me.\nAccording to a letter dated XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX, the Idaho XXXX Court determined that XXXX XXXX violated:\n- I.R.P.C. 3.1  pursuing legal actions without proper basis in fact or law\n- I.R.P.C. 8.2(a)  making reckless statements about the integrity of a judge\n- I.R.P.C. 8.4(d)  engaging in conduct prejudicial to the administration of justice\nNotably, Rule 8.2(a) directly involves dishonesty, indicating that XXXX XXXX made false or reckless statements with disregard for the truth. Taken together, these violations\ndemonstrate a pattern of unethical behavior, professional misconduct, and a failure to\nuphold her duties as a legal representativespecifically in connection with my case.\nAs a result of these findings, XXXX XXXX  resigned in lieu of disciplinary proceedings and\nwas officially disbarred as of XXXX XXXX XXXX  She is no longer licensed to practice law in\nIdaho. In addition to these violations, I possess documentation of:\n- Factual misrepresentations in filings\n- Improper or inflated billing\n- Misapplication of payments\n- Unethical and negligent handling of my legal matter\n\nThese issues go to the core of the debts legitimacy. Therefore, I dispute the validity and\nenforceability of this debt in full.\n\nPlease provide the following documentation as required under the FDCPA:\n1. A full validation of the debt, including any signed agreement and an itemized billing\nstatement\n2. Proof that you have legal authority to collect on behalf of the original creditor\n3. Evidence that this debt was lawfully and ethically incurred\nUntil that information is provided, I request that you:\n- Immediately cease all collection efforts\n- Refrain from contacting me by phone\n- Provide written confirmation that this alleged debt will not be reported to any credit\nbureaus.\n\nAdditional Notice: \nI reserve the right to challenge the legal enforceability of any contract or agreement\nbetween myself and XXXX XXXX XXXX XXXX  on the basis of her ethical violations, professional misconduct, and disbarment. Any contractual claim based on her services may be considered void due to fraud, misrepresentation, and breach of duty.\nI am documenting all communications related to this matter and preserving evidence for\npotential legal review. If this matter is not resolved appropriately, I am fully prepared to file\nformal complaints with the Consumer Financial Protection Bureau (CFPB) and the Idaho\nAttorney Generals Consumer Protection Division. Given the overwhelming evidence of legal misconduct, the disbarment of the original attorney, and the highly disputed nature of this debt, I urge your office to reconsider whether pursuing this matter is a productive or lawful use of resources. All further communication must be made in writing.\nSincerely,XXXX XXXXOmi AR LLC proceed to file this debt with all credit agencies without verify the debt or providing the documents I requested in the above email, which dropped my credit score by XXXX  points. \n\nI have followed up with another letter sent XXXX XXXX XXXX  by certified mail which includes the following (see attached document):\n\n\n Dear Omni AR LLC,\n On XXXX XXXX XXXX, I sent you a letter via certified mail (Receipt XXXX XXXX XXXX XXXX XXXX XXXX   within 30 days of your initial contact, disputing the alleged debt (Account XXXX from  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  and demanding validation under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g. You have not provided any evidence to validate this debt, yet you reported it to XXXX XXXX XXXX XXXX causing a XXXX-point drop in my credit score.\n I dispute this debt in full as invalid because it stems from services by XXXX XXXX XXXX XXXX  who was disbarred by the Idaho XXXX  Court on XXXX XXXX XXXX, for violations of Idaho Rules of Professional Conduct (I.R.P.C.) 3.1, 8.2(a), and 8.4(d), including dishonesty, as confirmed by the XXXX XXXX XXXX XXXX letter dated XXXX XXXX XXXX These violations relate to my case, involving services afteXXXX XXXX XXXX, rendering the debt unenforceable. You must prove the debts legitimacy.\n Your actions violate the FDCPA and FCRA, including:\n Failing to validate the debt before continuing collection, including credit reporting\n (FDCPA  1692g(b)).\nReporting a disputed debt without marking it as disputed (FDCPA  1692e(8)).\n Failing to ensure accurate credit reporting (FCRA  1681s-2(b)).\n\n I demand the following within 15 days:\n 1. Full validation of the debt, including a signed agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a complete itemized billing statement, and proof of your authority to\n collect.\n 2. Cessation of all collection efforts, including credit reporting, until validation is provided.\n 3. Removal of the debt from my XXXX XXXX XXXX XXXX credit reports, or\n marking it as disputed.\n 4. Written confirmation of compliance.\n I am documenting all communications for legal review. Failure to comply within 15 days will result in complaints to the Consumer Financial Protection Bureau (CFPB) and Idaho Attorney Generals Consumer Protection Division, and I am consulting attorneys for a contingency-based lawsuit seeking statutory damages (up to XXXX per violation), actual damages (including credit score harm), and attorney fees under the FDCPA and FCRA. All communication must be in writing.\n\n Sincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation