Consumer complaint received 2025-07-19 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 Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Unlawful Credit Reporting by Omni Financial of Nevada FCRA & SCRA Violations Re : Account # XXXX Charged-Off Unsecured Loan Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against Omni Financial of Nevada for their continued and unlawful furnishing of derogatory credit information regarding an unsecured account to XXXX  and possibly other consumer reporting agencies. This account, ending in # XXXX, is being reported as charged off, with a balance of {$5100.00} and an original balance of {$6000.00}, as of XX/XX/XXXX. 

As an XXXX XXXX XXXX of the United States XXXX, stationed at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX am afforded protections under the Servicemembers Civil Relief Act ( SCRA ) [ XXXX U.S.C. XXXX ] in addition to my rights under the Fair Credit Reporting Act ( FCRA ). 



Account Information : Creditor : Omni Financial of Nevada Account Number : XXXX Type : Unsecured Loan Date Opened : XX/XX/XXXX Balance : {$5100.00} Charged Off : {$4800.00} written off as of XX/XX/XXXX Reported by : XXXX Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX Legal Basis for Complaint : XXXX. XXXX XXXX. XXXX Creditors must provide a reasonable window for payment before reporting delinquencies. There is no evidence that I was afforded this window. 
XXXX. XXXX XXXX. XXXX ( c ) Any collection or reporting without full and proper validation is a violation. XXXX has not provided me with verification, signed documentation, or evidence of my obligation. 
XXXX. XXXX XXXX. XXXX ( FCRA ) Furnishers must ensure all information is accurate, complete, and verifiable. Any unverifiable or erroneous account must be deleted from the credit report immediately. 
XXXX. XXXX XXXX. XXXX ( SCRA ) As an XXXX XXXX servicemember, I am protected from adverse credit actions without proper legal procedures. No such procedures were followed here, and my military status was not factored into their reporting. 



Requested Action by CFPB : Investigate Omni Financial of Nevada for unlawful reporting and noncompliance with the FCRA and XXXX. 
Direct XXXX  and other bureaus to delete the Omni account unless Omni can fully validate the debt. 
Confirm whether Omni provided any SCRA accommodations, or notify them of their failure to do so. 
Send me written confirmation of your findings and actions taken. 

This negative reporting is both unjust and harmful to my financial standing while I serve this country. I respectfully request the CFPB take prompt action. 

Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( 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