Omega RMS, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84116	Web	Servicemember
To Whom it May Concern, I am writing this to file a formal complaint against a creditor and debt servicer for deceptive collection practices under the Fair Debt Collections Practices Act ( FDCPA ). I wish to file this complaint against the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as its original servicer, XXXX XXXX XXXX XXXX, and the current collection agency assigned to my account, Omega RMS LLC. I have been sent to collections for non-payment of an installment contract-for-services ; however, this debt is not valid and the creditor and assignees have not been cooperative in removing a forced collection that has been detrimental to my personal credit report. On XX/XX/XXXX, I signed up for coaching services with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This agreement was entered orally by phone only. It was a XXXX contract at $ XXXX with a first payment due XX/XX/XXXX by XXXX draft which was set up using my debit card. This was a service contract for regular daily coaching calls and the ability to get instructions on signing up for additional income streams. I did attempt to use this service maybe a dozen times, and XX/XX/XXXX was the last effort I made in using their service. I gained zero value from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was extremely disappointed in the service actually provided versus what was sold to me ; however, this is not the concern I bring forward today. The auto-payments on the contract were made until XX/XX/XXXX. Everyone is aware of what transpired in XX/XX/XXXX. I was not spending any time thinking about this contract I had signed up for during those early chaotic days. In XX/XX/XXXX, my debit card had expired and was replaced per standard banking procedure. It had not occurred to me this obligation was linked to the same card that had expired. Shortly after this, I began receiving past-due notices on my account. On XX/XX/XXXX, I contacted XXXX XXXX XXXX to resolve the past due balance. I was very explicit in my call that I was unhappy with the service and I wished to cancel the contract. I offered to negotiate a settlement on the full contract in order to terminate any further obligation. The representative informed me there was an early termination clause that allowed me to buy-out the contract for {$500.00}. I eagerly accepted and paid this money, plus an additional {$11.00} fee, on that same phone call ( {$510.00} paid Confirmation # XXXX ). I had believed this was the end of my dealings with either company. In XX/XX/XXXX, I began receiving additional past-due notices on this account. I initially ignored them thinking the early termination had not been processed. When the notices continued, I called XXXX XXXX XXXX. I was told the early termination was not accepted by the client as the option was only available for the first six months of the contract. My {$500.00} was applied to my previous past-due balance and I was being billed for the remainder of the contract. At this time, I was not even aware I had a contract. I had not received anything in writing as it was all done verbally. I asked for a copy of the contract and was informed it was available thru my online account. I had not been aware I had an online account either. This may have been discussed in my initial sales call ; however, I do not recall this as part of the conversation. I advised the representative on this phone call that they had offered this early termination in good faith, on a recorded line, and it should be honored. I was told I needed to take my complaint directly to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I acquired a phone number from them at that time. I did make several attempts to call the number provided but it was apparent I was calling a personal cell number and I never received a response to my detailed messages. It was during this time I did create an online account and downloaded a copy of my contract. I will note at this time, I had not been active in the XXXX XXXX XXXX since XXXX of XXXX. My real estate license expired in XX/XX/XXXX. I had zero income from XX/XX/XXXX thru the rest of the calendar year as I had exited the industry when the early pandemic decimated my business. Paying that {$500.00} fee to end the contract came at a great personal hardship to me as I had no income. I was also dealing with medical issues and was not able to look for work at the time. After my troubles in the Fall of XXXX trying to address this account, I was done dealing with either company. I had no intention of paying an additional dollar to them until my dispute was acknowledged and addressed satisfactorily. I had no ability to pay the monthly bill with no income and the service I was being charged for was no longer relevant to me. This was my stance until XXXX of XXXX when I received a collection notice from Omega RMS LLC. Near the same time, I received notification of the collection posting to XXXX on my credit bureau report. This same month, I had started a brand new job and was not able to address the new collection immediately due to time constraints with new employment. I contacted Omega in XX/XX/XXXX. At that stage, I even offered to pay additional money ( I believe it was {$500.00}, I do not have written record ) if, in exchange, this collection was removed from my credit report. My offer was refused. I believe my offer at that time was more than generous considering I viewed this collection to be entirely invalid. I maintained the stance that my early-termination should have been honored initially. The offer was made to me in response to my direct request to settle the contract. I believe the representative at that time acted deceptively to collect monies from me in their debt collection efforts. Whether the deception was intentional or otherwise is not relevant. The representative was acting on behalf of the organization. I was offered to buy out my contract only to have the payment applied elsewhere against my wishes and intent. I view the termination offer made to me as a verbal contract that was breeched by XXXX XXXX XXXX. In summary, I am denying my obligation for this debt ; I do not owe this money. While my records may not be entirely complete, most of the information in this letter can be verified through the recorded phone calls from the servicer. I am filing a written complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Omega RMS for their deceptive collection practices in offering an early termination buy-out to me and then applying the termination fee to past-due payments. This is in violation of the Fair Debt Collection Practices Act. It is my ask that this contract termination be honored retroactively, with no further obligation, and the prompt removal of the reported collection from my credit report.
08/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93309	Web
I HAD SIGNED UP CONTRACT WITH XXXX for match making. The name of the sales girl is XXXX -- I had sent her my requirements that I am looking for highly educated man, professionals like doctors and engineers -- XXXX -- They told me that they have lot of professionals enrolled in their system but they never introduced me to anyone other than XXXX guy who said he is XXXX but he appeared to be XXXX -- looked very old -- then they told me that they have high professionals but they are all XXXX area and they do not want to date long distance since I live in XXXX XXXX they never rendered their agreed services but charged my credit card for nothing -- they lied about everything -- They did not provide any services -- there are lots of complaints for this company -- since they entice people and entangle them -- to make their money -- but they do nothing in return other than lying to the clients. -- there are lots of complaints online about their company -- I had no real date at all -- -if they had no professionals in this area -- they should not have lied to me -- just to sign me up and make money -- very big fraudplease check -- XXXX : XXXX XXXX- ... XXXX XXXX : XXXX when they almost told me the truth that they have no professionals in this area or inother words -- they can not find me any match -- I called my bank and told them to help me -- they called the merchant and closed my card for defrauding me -- They sent the amount to the collections which I saw recently in my credit report through credit karma. Please help me to resolve it. I want that everyone should be alarmed about their fraudulent system -- People should know that they are a scam-I even told my attorney and she did send them a letter for not providing the services and defrauding people -- Please contact me asap.These are the collections accounts that are reported as open on your credit report. AgencyOpen XXXX BalanceOpen XXXX BalanceOMEGA RMS {$2600.00} {$01.00} account reported on XXXX XXXX, XXXX accounts reported on XXXX XXXX, 2015 OpenAccount # XXXX XXXXBalanceXXXX XXXX XXXX XXXX XXXX Creditor $ XXXX BalanceApr XXXX, XXXX DateXX/XX/XXXX XXXX, XXXX ReportedIndividualResponsibilityThese were the emails -- exchangedOn ThursdayXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX & gt ; wrote : XXXX, The contract said You guys introduce people within 3 days -- -I had signed up on XXXX -- -No results within XXXX weeks. On Monday, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : XXXX Monday, XXXX XXXX, XX/XX/XXXX XXXX XXXX, Match Making & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Thank you for the update. We will be in touch soon. Have a great day! XXXX XXXX Sat, XXXX XXXX, XX/XX/XXXX at XXXX PM XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : On Saturday, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : On Monday, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX lt ; XXXXXXXXXXXX & gt ; wrote XXXX XXXX XXXX XXXX XXXX, XXXX, Is it possible for you to work on my case -- since you have met me. I need more experienced, result oriented person to work on my situation.
07/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 604XX	Web
I saw an advertisement for tummy cellulite reduction treatments with no surgery. XXXX XXXX XXXX religiously for at least 2-3 months and I never got any results. I never lost any weight in the midsection area. This was a Scam. I was paying my bill every month until one time I got paid, they went into my account unauthorized and taken {$900.00} or so from my account. I called the company and they never returned the money that they stole from my account. I needed that money to pay my mortgage that month. Since my accounts were compromised by this company, I updated my banking information and they have been harrassing me every since. I have spoken to a number of their people and told them why I will never pay another penny to this company because Its fraudulent. Attached is a document from Omega and I also have a letter that I was sent back on XXXX XXXX XXXX asking for payment. Since they never returned the money they stole from my account, I don't feel I should have to keep criminals in business. XXXX XX/XX/XXXX Account : XXXX Subject : Notice Concerning Your Agreement with XXXX XXXX XXXX XXXX XXXX Dear XXXX, This Letter relates to the Retail Installment Credit Agreement ( Agreement ) you entered to finance your purchase from XXXX XXXX XXXX XXXX XXXX XXXX Merchant ). Although we understand your Account has been closed, we are writing to notify you of certain rights and protections maintained under your Agreement. The Account Number related to your Agreement is provided above. Who is providing this Letter? This Letter is being provided by the above-referenced Merchant 's third-party billing service provider, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). What is the purpose of this Letter? This Letter is meant to inform you of certain rights and protections maintained under your Agreement. The Notice stated below is provided in conjunction with your Agreement, and it is incorporated into your Agreement by reference herein. As such, the rights and protections afforded to you under the following Notice shall be effective as of the date on which you entered your Agreement and remained in effect until the date your Account was closed. NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. A copy of this Letter is now attached with your Agreement documents, which you may access through your online account at XXXX. No further action is required from you at this time ; although, we recommend that you maintain a copy of this Letter for your own records. This does not affect the status of your Account, which our records show has been closed. If you have questions, please email us at XXXX or call us at XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX Which turned the service account over to XXXX. Please see the attached document for more details. Thank you, XXXX XXXX XX/XX/XXXX
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 83814	Web
On XX/XX/2018 My family sat in on a presentation at XXXX in XXXX XXXX Nevada to learn about a travel program by a company called XXXX XXXX. We were told at that time that it was a month by month plan and it would save us money on airline travel, cruises and motel stays. When we arrived at the presentation we presented them with a debit card and our drivers license for verification purposes. We were told that the monthly fee should we decide to proceed with the plan would be {$80.00} a month. It also came with a FREE cruise and airline tickets just for listing to the presentation. I do not remember signing anything nor did I receive copies of any contract. However, on XX/XX/2018 I noticed a fee of {$170.00} that had been deducted fro my checking account ( statement included ). At this point I went through my emails to see if I had in fact been contacted by XXXX XXXX and I located a welcome letter. I did NOT receive any additional information or proof on me joining a membership or entering into a contract. I called the number on the welcome letter and explained the situation and indicated I did not feel I had actually joined or signed up for anything and I requested a call back from a representative. I also sent a reply email to the email address in which I had receive the welcome letter stating I wished to cancel any contract I had with their company ( email attached ) .I have never received a call or an email response and I immediately called my credit union and stopped all future withdrawals from this company. I consistently receive emails stating that my card on file needs to be updated to deduct my payment. Again, we met with a representatives from XXXX XXXX XXXX XXXX years ago and have never received proof of membership or in any way utilized the service they promised. I have no idea what the amount of {$170.00} which was deducted from my account went towards I researched XXXX XXXX online and have attached documentation from others who also have experienced the similar outcome as I have after sitting through a presentation. Also, they indicate the company is also known as XXXX XXXX. I am not requesting a refund however, I would like to have the negative collection status by XXXX XXXX removed from my credit report immediately. It indicates a {$3200.00} outstanding amount which I have NO idea what it is even for since the presentation indicated a month by month, cancel at any time with no penalty program. Again, I do not believe I even signed up for anything! Interestingly enough, it also indicates on the credit report : Placed for collection : original credit XXXX the membership inc : dispute resolved : customer disagrees This is a lie, this dispute has never been resolved and yes I do disagree. I have never received a return call explaining this situation. We are currently trying to refinance our home and this negative credit reporting is detrimental to that process. Thank you in advance for your time and attention and I hope that we are able to remove this collection status immediately.
07/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY XXXXX	Web
Omega RMS did not comply with the Fair Debt Collection Practices Act Section 809. I received a copy of my credit report and noticed a trade line with an account from Omega RMS. Omega RMS failed to send me a written debt validation notice. I then notified all three credit bureaus. Soon after informing the credit bureaus I then called the number listed on my credit report for Omega RMS. I spoke to someone at Omega RMS and they stated they would send something to me. The next week, I received a letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. I sent Omega RMS a debt validation letter via USPS which I have proof they received. Until XXXX XXXX, 2017 I did not receive any validation of the debt from Omega RMS and also, Omega RMS verified the debt was accurate to a dispute that I made with the three credit bureaus. Omega RMS did not verify or validate that the debt was accurate with me, but they verified that the debt was accurate with the credit bureaus. On XXXX XXXX, 2017, I received another letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package again was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and again another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. How can Omega RMS verify and update with the credit bureaus and not verify with me? Omega RMS also ignored my written request to verify the debt and is continuing to collect on this debt before providing verification and validation. This is a clear violation of the Fair Credit Reporting Act Section 809. Who are these people and how did they get my social security number? Also how were they able to report this information to the credit bureaus without my authorization?
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60649	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX XXXX, 2022 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.In addition, please remove all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you, XXXX XXXX
08/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33063	Web
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, Omega RMS {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
08/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80916	Web
A few years back, I signed up with a dating service called " XXXX XXXX '' while living in Georgia. Per the contract, " XXXX XXXX '' falsely claimed to provide me a certain number of dating matches who met my specified criteria. They falsely claimed that their candidates were pre-screened to eliminate people who were married or had criminal records. They falsely claimed that matches between candidates were matched by trained psychologists and other licensed professionals.They failed to meet contractual agreements, yet charged me and refused to refund monies I paid for services they did not provide. I relocated and recently pulled my credit reports in which a collection agency, " Omega RMS LLC '' is falsely claiming that I owe three separate amounts to " XXXX ''. " Omega RMS LLC '' falsely reported to the XXXX credit bureaus that I owe {$1600.00}, {$2300.00}, and {$2700.00}. I sent a debt verification letter to " Omega RMS LLC '' dated XXXX XXXX 2016, sent certified mail with return receipt, with the request that " Omega RMS LLC '' notify the XXXX credit bureaus of the fact that I was disputing these false debts. I requested that " Omega RMS LLC '' validate the debt by sending me the following : Copy of any original contract with my visible signature and date, Proof that " Omega RMS LLC '' is the original creditor or servicer, Amount of the alleged debt, Name of the creditor to whom the original debt is owed, a copy/verification of any judgment, proof that " Omega RMS LLC '' is licensed to collect debts in my state, Proof that they have met and provided the contractual obligation ( s ), guarantee ( s ), promise ( s ), and or service ( s ) as stated in the original contract. On XXXX XXXX 2016, my letter was received and signed for at XXXX by a representative of " Omega RMS LLC '' named " XXXX XXXX ''. As of today, I have not received a debt validation reply from " Omega RMS LLC '', nor has my credit report been updated to reflect that these debts are being disputed. After doing my research, I see that " XXXX '' has been out of business for quite some time and " Omega RMS LLC '' is still attempting to collect on debt/debts that are not mine. Since " XXXX XXXX '' is out of business so now I am unsure of how to get my money back from them for dating service guarantees that were not met and for breech of contract. I am not sure how " Omega RMS LLC '' can falsely claim and falsely report that I owe any amount, let alone XXXX separate amounts for services that I never received. Furthermore, I 'm not sure how " Omega RMS LLC '' can attempt to collect any amount of money for a service that has been out of business for quite some time.
02/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60585	Web
Consumer Financial Protection Bureau Complaint Department XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Customer Service Team, I am a victim of ID theft. I am writing to file an immediate complaint with Consumer Financial Protection Bureau to assist me with rectifying the unauthorized account matter as follows. I tried to resolve the matter directly with Omega RMS LLC XXXX XXXX directly and I was not able to get their cooperation. As I discovered that, my personal information was used to open an account at Omega RMS LLC XXXX XXXX. I am certainly not aware and did not open or authorize this account, and I therefore request that it be closed immediately. I also requested that Omega RMS LLC XXXX XXXX absolve me of all charges on the account, and that take all appropriate steps to remove information about this account from my credit files. Im able to see this account being reported on the XXXX Bureau Report which is enclosed. Enclosed is a copy of my Identity Theft Report filed with police dept., and a copy of my credit report showing the fraudulent account related to Omega RMS LLC XXXX XXXX that are the result of identity theft. Also enclosed is a copy of the Federal Trade Commission notice to furnishers of information, which details your responsibilities as an information furnisher to credit reporting companies ( CRCs ). As a furnisher, upon receipt of a consumers written request that encloses an identity theft report, where Omega RMS LLC XXXX XXXX are required to cease furnishing the information resulting from identity theft to any credit reporting company. The Notice also specifies responsibilities of when Omega RMS LLC XXXX XXXX receive notice from a CRC, under section 605B of the Fair Credit Reporting Act, that information Omega RMS LLC XXXX XXXX provided to the CRC may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRC and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please consider investigating this above matter, and assist me with unauthorized loan account with Omega RMS LLC XXXX XXXX. and absolve me of all charges. I hope to hear back from you soon regarding my above inquiry to close and permanently remove the unauthorized account shared above with Omega RMS LLC XXXX XXXX on all 3 credit bureau reports. Please reach me at XXXX for any further details. Thank you for your prompt consideration in the above matter and your assistance very much. Sincerely, XXXX XXXX
06/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80601	Web
I have had XXXX installed as a precaution due to my XXXX, so that when I have a XXXX XXXX I can press my necklace signaling the paramedics. We bought a house and decided to move the system with us. After we moved there were several occasions where my husband and I were called about a burglar alarm, fire alarms and other instances of the alarm being tripped. I would call in several times to speak to someone about the issues because when I would race home, thinking my daughter or mother was in danger ... .everything would be fine. Upon finally reaching someone with XXXX who could pull up my account, they stated that the previous address we moved from was still active and that there was n't much they could do about it. It was too much work to de-activate every sensor in the house. I asked to speak to several different people until they finally agreed to go through and de-activate each sensor. They refused to give me my money back for the 3-4 months the false alarms were going off at the previous residence we lived at. I asked to cancel their services and they refused during our last conversation over the phone. Since that call, I 've been in and out of the country for work and my bank account was hacked and shut off due to the security breach. I 'm still in the process of switching all my automatic bills and such over to the new account. Then I receive a letter from Omega RMS , LLC, a collection agency hired to collect the remaining balance of my contract which is {$760.00}. I spoke with them and they are asking the full amount regardless of the horrible service XXXX has delivered. No one will help me fix the issues because they know we are extremely distraught with their so called security systems and are now demanding we pay the full amount of the contract, even though they did anything but provide security for me and my family. I just wanted to feel safe in my house and I do not with their system not operating to the full extent that we originally agreed on. There should be some sort of clause in that contract that if the security system is defaulting, no charges should be made to the customer otherwise, why should I even have it? If it 's not going to work all the time, what am I paying for? There was no urgency to resolve the issue, when in fact if anything would of been on fire, a emergency medical situation arose or we had been burglarized ; my attorney would of come after them with flying colors due to the issues they would not correct or even take responsibility for.
12/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web	Servicemember
Omega RMS , LLC refuses to remove an account that has been paid in full off of my credit report since XXXX. I have disputed this account numerous times both with with their company, as well as with the credit bureaus in an attempt to resolve this matter to no avail. Each time, they reply with a generic standard form letter saying they have verified the account to be valid which it is not. The credit bureaus accept this response and have continued to allow the account to be reported, despite the numerous inaccuracies in the account and despite the FCRA they are both bound by. I have spoken to an attorney, who suggested filing this formal complaint as a last attempt to resolve this matter prior to bring a lawsuit against both the credit bureaus and Omega RMS , LLC so this is exactly what I am doing. Most recently, I obtained a credit report from XXXX dated XX/XX/XXXX which contains gross inaccuracies. The original account owed was only {$320.00} for some XXXX work for my son at XXXX XXXX. This account has been paid in full with XXXX XXXX. Despite this, Omega RMS is currently reporting a MONTHLY payment on this " open '' account to be {$3100.00}, has the incorrect original creditor listed, the incorrect original balance due listed, and that the last payment was made on XX/XX/XXXX, for which no such payment exists. In addition to my prior disputes with the credit bureaus as well as Omega RML LLC, I called the company at XXXX and was told they would put in a " support ticket '' but for me to provide them with documentation showing the account has been paid to their email address of XXXX, which I also have done. The account continues to be reported despite the law and their requirement to follow it. The account has never been properly validated according to the law as I have requested either. I need to have this inaccurate collection account REMOVED completely from my credit reports with ALL bureaus being reported to and to have them be prohibited from reporting to any other credit bureaus any information pertaining to this matter. It is unacceptable to continue to destroy people 's lives by damaging their credit in this manner and I request they be held accountable for their actions. If this is not removed, I will be filing a law suit and enforcing the FCRA for which they will be responsible to pay my attorney 's fees and damages which are significant that I have incurred as a result of their negligence.
09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 068XX	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX OMEGA RMS Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious OMEGA RMS Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX, CT XXXX
03/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48183	Web	Servicemember
XX/XX/XXXX To Whom It May Concern, I signed a contract with XXXX XXXX, XXXX, XX/XX/XXXX, and called to cancel in XXXX of XXXX due to hardship. My account was current when I tried to cancel but the company stated I had 72 hours from the time I signed the contract to cancel. The contract contains no information on a cancellation policy. XXXX XXXX would not cancel my contract but closed my account in XXXX of XXXX. I have had no access to their program or software since, but they have continued to charge me for their services. I recently found out with the help of legal professionals in the XXXX XXXX that XXXX XXXX opened a revolving line of credit in my name when I signed said contract. I gave XXXX XXXX a {$250.00} deposit when I signed the contract under the impression that I would be paying them the money, and made 2 monthly payments of over {$200.00} for XXXX and XXXX. I never authorized XXXX XXXX to open a revolving line of credit in my name nor was I aware that is what the company would do. I never signed a contract with anyone other than XXXX XXXX, XXXX. In XX/XX/XXXX, a company by the name of Omega RMS placed an account in my name for collection and reported this to the credit bureaus. They are currently reporting I owe {$15000.00} to XXXX XXXX and continue to add late fees and interest every month. Again, I do not currently have access nor have I had access to any products or services offered by XXXX XXXX since XXXX of XXXX and I was not aware they would open a revolving line of credit in my name. I paid XXXX XXXX for their services until the time they closed my account and would like to ask Omega RMS and XXXX XXXX to clear this debt in my name completely, and to remove this debt from all credit reporting agencies. This has caused me extreme emotional stress for many years now and is the one thing that has kept me from purchasing a home for my children. I have paid dearly for signing a contract with a company that uses deceptive tactics and lures people into contracts they can not cancel. At the very least I am sure that by most states standards I have likely reached the statute of limitations for this debt since XXXX XXXX, XXXX closed my account in XX/XX/XXXX and would ask that any government official or credit agency official authorized remove this debt in my name. Sincerely, XXXX XXXX.
06/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33710	Web
I have more than enough reasons to believe my infromation and identity have been compromised and, or stoIen. Today on XX/XX/XXXX, I checked my credit report on XXXX XXXX this morning and found an open collection for {$3900.00} from Omega RMS! My heart DROPPED when I saw this so I requested reports from all three major bureaus. It has only showed up on my XXXX report at the time of writing this. I also recently discovered my info was involved in at least 4 security breaches in the last 4 years, including the XXXX breach of XXXX. I must also mention that my bank debit card and account info was breached earlier this year around XXXX.The thieves purchased 3 items totaling {$200.00} and I was forced to change all my information, including have another card shipped to me. Because of these facts, amongst other unfamiliar or inaccurate inquiries on my credit reports, I had no choice but to place a fraud alrert for all three bureaus. This collection account was opened XX/XX/XXXX. I dont think these time frames are coincidences! My next steps will be placing security freezes on my credit and possibly filing a police report. The original creditior on the account is named " XXXX XXXX XXXX. '' I have never heard of either of these companies and there isnt much info on the internet about them. I have never purchased anything nor previously interacted with either of these companies and I definitely DO NOT owe almost {$4000.00} to anyone for any type of product or service. It sounds like a scam! I am just a young man trying to rebuild his credit and this new fraudulent collection on my report has devestated my XXXX score!!! My credit was in good standing before this fraudulent collection account showed up ... This will greatly hinder my ongoing credit journey. I need this DELETED from my XXXX report first, then before it shows up on the other two major bureau reports and devestates my score even more, I need Omega RMS to contact both other credit bureaus : XXXX and XXXX, and demand that they be deleted.
11/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 07306	Web
I am XXXX XXXX XXXX, currently residing in XXXX XXXX XXXX, XXXX, XXXX XXXX, NJ-XXXX. I had signed up for a Gym membership with : XXXX XXXX XXXX located atXXXX XXXX, XXXX XXXX ; which advertised for {$580.00} for 6 months, sometime in summer XXXX. When I signed up their contract and came back home and checked the contract, I found they misrepresented and they wanted to charge me an exorbitant amount of {$580.00} for a month! I rushed in the next day in the same physical location and wanted to cancel my account. They did not cancel my account. I asked them how come you put me in a contract but can't cancel my contract. They said there is no way to cancel the contract! They gave me an address and told me it is up to the discretion of the Account manager to cancel my contract or not! I sent a certified mail at that address ( I neither have that address or the proof of that certified mail now, it's been so long ) but did not get any response. They did not even have a phone number where I could call to cancel. They basically posted a fake number, which automatically went to voicemail. They already charged me {$580.00} for the first month on my XXXX XXXX XXXX Credit Card. I called XXXX XXXX to dispute this charge and they also couldn't deal with XXXX XXXX XXXX. They blocked the charge. Every month XXXX XXXX XXXX tried to charge my XXXX card unsuccessfully. Soon after, I had lost my job and was going through tumultuous times and had to move to XXXX for my next job and before that had to go to my home country XXXX to get my visa stamped. I kept on calling the number, but no one would pick up. In XXXX XXXX XXXX XXXX put ~ {$3500.00} on collection. After I tried to resolve it with Omega RMS, the debt-collection agency ; they couldn't get it resolved with XXXX XXXX XXXX. Then I had filed a consumer complaint and the account went away from my credit report. In XXXX, again, the account came back out of nowhere and again went to my credit report as a collection and again hammered my credit score!
09/05/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 64119	Web
Omega was sent an account for collections from XXXX XXXX for {$200.00} which was fraud. I wrote a letter to XXXX XXXX on XX/XX/17 stating they no longer have athz to withdrawal from my account. That same day they tried to withdrawal {$200.00} ( 2 weeks worth of services for the future ). Omega sent me statements which i explained to them if they look that there was a weekly payment XX/XX/17 that cleared around {$100.00} for that week of services. I took the copy of the letter to the bank when they charged my account. My bank saw it as fraud and returned the payment as NSF, which now Omega has been hired to collect. Omega has also sent me 5 other peoples personal debt information, balance, account numbers with omega, which i have proof of. They have also reported to my credit report instead of disputing this. on XX/XX/17 I requested a no cease and desist and they would not honor a verbal c & d. I do have the recording from the conversation with the rep at Omega. Will be also filling AG and CFBP complaint on XXXX XXXX. I was contacted by XXXX and also the state that was doing an investigation against XXXX XXXX so they did not uphold their end of the contract of care they would provide for my daughter, but want the 2 week notice amount and tried to with drawl the amount when they were told they do n't have athz from my account. All Omega did is get a validation of debt, however I have disputed the way the charge came to place and I did not recieve the services. Then for the rep to say she will not honor a verbal cease and Desist. I do still have mail that Omega RMS sent to me with 5 other peoples letters, that have their account numbers, balances owed and also personal information. I know this is against regulations also. The company is well aware of this as I have informed a supervisor that I have them. I still have a copy of the letter that was given to creative kids and was shown to the bank and reason why they reversed the payment.
04/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ID 83843	Web
Please see attached detailed letter. I purchased an online coaching system for Realtors in 2019 from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. One of the options to pay for the coaching was to pay a third-party financer a certain amount per month over time. After some initial negative experience with the company, I cancelled within a time frame allowed in their contract. I was told I would have to work directly with the third party financer, not XXXX and XXXX XXXX XXXX XXXX. I reached the financer and was given by phone a prorated amount ( {$840.00} ) due for the contract on the day I tried to cancel the service ; however, the individual on the phone said they did not know how to provide me with a final invoice or billing for the service and said they would have to get back to me. I never received a call back so contacted them the next day. I received the same runaround, but unfortunately was told I owed a higher amount. This went on for several days without them providing me something in writing that showed I was closing out my service and would not owe further money, yet every day they were charging me a higher amount to close out my service. I did not ever receive any of the coaching services - per the letter attached as I called to cancel directly after inital account setup. My account was sent to collections 2 years later for the full service amount of {$3600.00}. The collections company had no interest in settling the debt for the {$840.00} - in fact they never went back to XXXX and XXXX XXXX XXXX XXXX XXXX with an offer to settle. Now I have a collections amount on my personal credit report for the full service amount of a service I did not use even though I did cancel the service within the time frame allowed by their contract.
11/10/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 446XX	Web
Omega RMS-I was contacted about an alleged debt through XXXX XXXX XXXX XXXX I cancelled the travel service XX/XX/XXXX due to the escalating COVID 19 pandemic. When I initially spoke with XXXX, I informed her that I had received communication from another agency about this account and that I was disputing this account. She advised that Omega RMS was the only account handling this alleged debt. I then received communication by mail on this debt and returned a letter XX/XX/XXXX disputing this debt and requesting the contact information of the original company. I received a follow up call from XXXX XXXX I again reported that I was disputing this account and that I was confident that I was communicating with two separate entities about the same debt. Today, XX/XX/XXXX, I received communication from XXXX XXXX XXXX about the same account. I called XXXX to update her with this new information and inquired if these were the same company. She denied any knowledge of XXXX. I repeatedly attempted to clarify which company was handling this debt. XXXX insisted that Omega RMS was the only agency and that the account had been placed with her on XXXX I requested to speak to a supervisor about this, as I am trying to clarify who to escalate the dispute to, and XXXX refused. I asked to speak to any other agent, and XXXX refused. At this point, Ive asked for XXXX not to contact me or be involved in my case. She again refused. I do not have confidence XXXX has appropriately addressed my account or dispute, I am concerned that multiple companies are involved in the same alleged debt, and I concerned that XXXX and Omega RMS will take punitive action against me due to my awareness of their blatant deception attempt.
03/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89032	Web
On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, Omega RMS. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by Omega RMS. According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from Omega RMS including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. Omega RMS is reporting XX/XX/XXXX as the placed for collection date which is not accurate. The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. Omega RMS in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. Omega RMS is attempting to collect on a debt that they purchased ( XX/XX/XXXX XXXX from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.
10/06/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98499	Web	Servicemember
I filed a complaint against Omega RMS ( complaint # XXXX ) with CFPB on XX/XX/23 which has since been closed. I mailed a debt dispute letter, in writing, within 30 days of receiving the original notice of debt. Omega RMS claims to have received that letter on XX/XX/23, however, still contacted me which is a violation of the FDCPA. Once again, Omega RMS has broken the law as I have never received any debt validation letters as required by law, yet they still proceeded to report the debt to the credit bureaus on XX/XX/23. Under the FDCPA, section 809, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Today is XX/XX/23 and I have yet to receive any such documentation. Furthermore, I received a call from Omega RMS once again on XX/XX/23 at XXXX, another clear violation of the FDCPA as it states, to continue to pursue the debt, they are required to provide proof, by mail, if not, the collection calls must stop. Due to these violations, I request the debt be removed from credit report within 30 days.
10/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	DE 199XX	Web
I received a letter on XX/XX/XXXX from a debt collector dated XX/XX/XXXX for medical credit I did not sign up for. I requested validation when I was looking over my recent credit report. The letter also contains the statement they are resuming credit reporting. The original creditor XXXX XXXX XXXX never informed me prior to forwarding/selling the alleged debt to OMEGA RMS , LLC XXXX XXXX XXXX XXXX, MO XXXX XXXX debt collections agency. There was a charged interest amount totaling {$640.00} on top of the alleged debt of {$800.00} while the debt collection agency was in possession of said alleged debt. OMEGA RMS has not contacted me until I requested validation of the said alleged debt. Upon receipt of this letter it shows a debt origination date with the original creditor of XX/XX/XXXX with the first payment being auto-drafted from my checking account on XX/XX/XXXX. The signature the document bears is not my signature. I do not know how the original creditor obtained my checking account information and can charge me for credit I did not sign up for. I also looked up my states statute of limitations on medical debt ( 6 years ) and credit debt ( 3 years ) with that being said this alleged debt is not mine as well as beyond Delaware statute of limitations as it is over 7 years old. This alleged debt or publication of alleged late payments was not listed on my credit report the year I purchased my home 3 years after the origination of the application not bearing my signature but signed by someone else.
12/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33913	Web
I just moved to the XXXX XXXX area and was intersted in learning about a matchmaking service and went to an appointment with XXXX Invitations in XXXX. At the appointment I learned about the cost of the services which were excessive, they wanted over {$6000.00} for the service. Since then, I learned that they charge others only {$2000.00} for the same services ( I learned this from a match ). I told the company I could not afford the service they were trying to sell me. I was willing to try the services on a smaller scale. I agreed to a reduced cost for a reduced service plan of XXXX matches instead of XXXX. They charged my credit card {$2500.00}. They agreed to do XXXX matches for this amount. They have only done XXXX match since XXXX XXXX XXXX and are now sending a collection agency to collect on the original amount they wanted to charge me. If they have not been able to find the XXXX matches for the reduced contract, why would I pay for additional services. The communication with them has been horrible and they are deceptive and sell you what they are not able to achieve. I sent them a letter requesting a refund on the services and they have been stalling me and trying to set me up on matches but only one has been completed. I do not owe them {$3600.00} as they have not provided services for the {$2500.00} I paid. I have agreed to pay the {$2500.00} but need them to continue to provide the services that equal that amount.
10/12/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 616XX	Web	Older American
I am writing regarding a bill that I received from a debt collection agency for {$290.00}. The bill pertains to a security system service that I received from XXXX XXXX XXXX XXXX XXXX. However, I am bringing to your attention that I had notified the company of my intention to cancel the service in XX/XX/2023. In XX/XX/2023, I contacted XXXX and was informed by their representative to take down the security equipment. The representative also told me that our service was disconnected. After giving notice of our intention to cancel service in XXXX, the representative never emailed us a cancellation request. Despite this, we received a bill from XXXX a month later for the security system service. We contacted XXXX again in XX/XX/2023 and were told we were still connected and needed to pay. In XX/XX/2023, XXXX finally sent an email to complete a cancellation request after requesting to cancel service for months. We sent the cancellation request via emailed to XXXX the same day, and the representative confirmed they received the request. As you can see, we took all necessary steps to cancel the service, and we are unsure why we we being charged for a service we no longer have. It's my understanding the phone calls with XXXX customer service were recorded for quality assurance. We would appreciate it if you could investigate this matter and let us know the outcome as soon as possible. Thank you for your time and attention.
06/14/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11795	Web
Omega RMS unlawfully reported an unauthorized account on my consumer report for {$18000.00} on XXXX I have not given Omega RMS written permission to put anything on my credit profile. Omega Rms have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against Omega Rms, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
06/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 710XX	Web	Older American
In XX/XX/XXXX, I received an collection letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I called the phone number XXXX asking about this collection letter for {$2000.00}. XXXX XXXX stated it was for Maintenance fee for XXXX XXXX XXXX. I told him that this debt was n't mine. They gave me the address in XXXX and my daughter and I went to XXXX XXXX XXXX with the letter. XXXX XXXX XXXX said they do not show a timeshare in my name nor ever had my name on a timeshare with them. They said do not pay this debt collection since it was n't a valid debt collection. This bad collection account was put on my credit report in XX/XX/XXXX and was removed in XX/XX/XXXX. I started getting collection phone calls, I reported the harassing phone calls to the police. The Police Chief said to change my phone number. So I changed my phone number. My new phone number is under my daughter 's name and how they got the phone number I do not know. The calls have started back today XXXX. I received in the mail dated XX/XX/XXXX another collections notice from OMEGA RMS. llc Moving forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX. And now they want {$4800.00}. The statute of limitation in XXXX is XXXX years. Enough is Enough. I want the harassing letters and phone calls to stop.
08/03/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CT 066XX	Web
Received a telephone call on XXXX XXXX, 2017 at approximately XXXX XXXX. from someone who called themselves " XXXX XXXX '' demanding to know if I was the correct person he was talking to. He did not identify the company. He then demanded in a loud, abusive voice that I confirm my address. I asked him who he was and what he was calling about. He said, " My name is XXXX and you have to confirm your address so that I can tell you about a serious situation you are involved in. '' I declined to confirm my address, asked him his company and he told me is was XXXX. When I told him I would not confirm any information not knowing what he was calling about, he threatened me. He said that something more serious would happen. I hung up, He called back and said, " Is this the way you are going to handle this serious situation '', again in an amazingly threatening tone. I explained again I would not share information with him and in fact was going to call the police if he called again. I have no credit issues and had absolutely no idea why he was calling me. It was the most abusive, disturbing call I have ever received. I am completely distraught and afraid that this person is a predator in some way. Only after " XXXX '' the company name did I realize it was some kind of " debt collector ''
01/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20783	Web
I write to report about the company XXXX XXXX XXXX registered as XXXX XXXX XXXXXXXX XXXX for predatory practice. They found me from XXXX and called me some time last year to propose a match-making for professional singles. I was hesitant about the cost but they told me it was a monthly paid service and that I could opt out at any time. I told them that it is practice for me to sleep over every new proposal before deciding. She assured me that no worries, I wont be charged but and that its required to provide a Credit card but I still have time to decide. She then forwarded tons registration documents to virtually sign while assuring me on the phone that I can rely on her assurance that I wont be charged up front. What happened was different in that my account got charged {$500.00} which she had told me nothing about. Also I was denied the ability to opt out when I called about one or two days later to opt out. They had not provided me no service and have since not provided me any service. They have since sent my information to demanding {$2300.00} besides the {$500.00} for no services provided at all. I can only imagine how many Americans have to suffer from such companies that go unchecked. I will appreciate if you could call them to book and resolve this matter.
01/14/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AL 366XX	Web	Servicemember
ON XXXX XXXX MY EX HUSBAND AND I WENT TO XXXX AND JOINED A MEMBERSHIP WEBSITE WITH A COMPANY BY THE NAME OF XXXX. WE WERE TOLD THAT THIS MEMBERSHIP AT THE TIME COSTED {$2400.00} AND THE DOWN PAYMENT WOULD BE {$240.00}. ON OUR WAY HOME WE DECIDED TO WAIT BEFORE WE START DOING HOME IMPROVEMENTS ON OUR HOME. SO I CALLED THEM THE SAME DAY OR THE DAY AFTER AND TOLD THEM THAT WE WERE CANCELLING THE MEMBERSHIP AND TOLD THEM WHY. I'VE NEVER HEARD ANYTHING ELSE ABOUT THIS UNTIL XX/XX/2018 WHEN I RECEIVE A MESSAGE FROM XXXX XXXX STATING THAT MY CREDIT SCORE HAS DROPPED DO TO A COLLECTIONS THAT HAS BEEN ADDED TO MY CREDIT. IT IS UNFAIR TO US TO HAVE TO PAY FOR SOMETHING WE NEVER USED. WE NEVER VISITED THEIR WEBSITE OR USED THEIR SERVICES FOR ANYTHING. I CONTACTED THE COLLECTION AGENCY OMEGA RMS THAT SAID WE OWE {$4100.00}. AND TOLD ME THAT THEY WERE HIRED TO COLLECT A DEBT AND TOLD ME TO CONTACT XXXX. I CONTACTED XXXX AND STILL NOTHING HAPPENED THEY TOLD ME THAT BECAUSE WE SIGNED THE CONTRACT THIS IS OUR DEBT. I ASKED THEM TO PLEASE SEND ME A COPY OF THE CONTRACT AND HIGHLIGHT THE LINE THAT STATES WE CAN'T CHANGE OUR MIND. I COULD UNDERSTAND IF WE HAD WAITED 6 MONTHS OR EVEN A YEAR TO CALL AND CHANGE OUR MINDS BUT WE DIDN'T. I THINK WE CALLED EARLY ENOUGH TO NOT BE CHARGED.
08/31/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 98499	Web	Servicemember
I was contacted by Omega RMS from XXXX ( not sure of spelling ) at XXXX on XX/XX/23 who left a voicemail asking me to return her call in which I did. I called and asked to speak with XXXX but the representative ( XXXX ) refused to transfer me and took the call herself. XXXX was extremely rude, confrontational and unprofessional. I explained to XXXX that I disputed the debt and followed the dispute instructions provided on the letter I received. She proceeded to tell me that I " can't just say I dispute the debt '' and " where is my supporting documentation '' and hung the phone up on me. I called back and spoke with a gentlemen whose name, I did not make a note of and asked to speak to a supervisor. He stated there was no supervisor available but agreed to take a look at the issue. After some back and forth with this representative, he stated they had received my letter and will investigate which could take 30 days. The letter I received states that if Omega RMS receives the dispute by XX/XX/23, they must stop contacting me until they send additional information, which has not happened and that is a violation of the law. I strongly dispute this debt as I have been scammed by a fraudulent and deceitful company. https : XXXX
05/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80601	Web
This item for a collection from XXXX DBA XXXX And Omega RMS is inaccurate and fraudulent because the original contract was dated XXXX XXXX, XXXX, not XXXX XXXX, XXXX. ( See attached ) Therefore the recent collections effort is outside the Colorado Statute of limitations of 3 years. ( See Attached ) Also, upon trying to contact XXXX XXXX XXXX at the phone number listed online, it is disconnected. ( See Attached ) XXXX XXXX XXXX also never fulfilled any part of its contractual aggreement to connect or set up a date of any kind. Back in XXXX of XXXX I called the office multiple times requesting a refund due to lack of performance on their part. My calls were never returned and soon after the phone number was disconnected. I assumed I was simply a part of a scam and there was nothing I could do to get my money back. After doing research as to the corporation listed on the original contract names " XXXX XXXX '' I found that this company has forfeited existence with the secretary of state and has been inactive since XXXX XXXX, XXXX. ( See attached ). I am requesting that the item be removed from my credit report due to the fraudulence and lack of existence and lack of performance of the company trying to collect monies.
12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 704XX	Web
The fraudulent company XXXX and XXXX XXXX coaching kept pressuring me to sign up for their coaching. I told their reps that I did not have money to sign up. They promised XXXX on XXXX coaching calls. That a coach would call me weekly. No one ever called. This began XXXX. After waiting for coaches to contact me and they never did, I called to cancel due to them not delivering on promised services. The rep would not cancel after repeated requests to cancel services due to the companys failure to render services as promised. The rep named XXXX tells me I need to pay {$640.00} for services not rendered to cancel. I told her I would not pay money for something I did not use. I hung up after repeatedly asking for cancellation and getting mo where. This companys practices are fraudulent. They have sold this account to a debt company XXXX XXXX claiming I owe {$3200.00}. I do not owe this company or any other company. I have requested a dispute with XXXX twice. They are not doing anything and claiming the information is accurate when it is not accurate. I do not owe this debt with XXXX XXXX. I will retain legal counsel if this matter is not resolved. This is ridiculous! I am not paying this fraudulent debt!
02/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01610	Web	Servicemember
Listed as COLLECTION Collection/Chargeoff new account New Accounts Lender No name listed Type Listed as other Balance {$1900.00} Status Date Reported XX/XX/2019 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name COLLECTION Original Lender COLLECTION Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 7 Months Credit Limit Not Reported Highest Balance {$1700.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I called the number listed on the credit report. I was asked just my name told them and they said I have to transfer you to another person and gave me the phone number of XXXX then was transferred. The person who answered asked if I felt comfortable fiving him my full SS number I told him no, how the person I spoke to asked me my name and told me I needed to be connected to a different department, so he looked up my name and said nothing was coming up that I had to give him my full SS number. I told him no am just going to report it.
03/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11226	Web
Had received multiple phone calls a day from OMEGA RMS. When I finally did speak with them, because it was bringing my credit score down, they told me they were collecting a debt from XXXX, a spa in XXXX. The contract amount owed was {$2900.00}. I had a contract with XXXX which I broke, because they had taken money from my account without my permission and far beyond what I owed them per month ( {$1200.00} in two days. ) OMEGA explained I still owed the balance of the contract, which I refused to pay seeing as how the company treated me. So I called XXXX directly. They then called OMEGA, and OMEGA called me back, saying my total amount had been lowered from the original {$2900.00} to {$1100.00}. I agreed to pay it, in two payments two weeks apart. They sent me a written form stating this was the new amount owed and once paid, the debt would be cleared and also removed from my credit information. Today, 9 MONTHS LATER, I am receiving a phone call from a new debt collection company, XXXX XXXX XXXX, is trying to collect the " remainder '' of the balance - the exact amount that OMEGA had taken off what I owed ( {$1700.00} ).
01/20/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	VA 234XX	Web
On XX/XX/XXXX I received an alert from XXXX XXXX that my XXXX Credit Report has changed. Upon logging on I see that there is a collection for a balance of {$3200.00} with an original balance of {$4000.00} from Omega RMS. This account was added to my credit report with the original creditor XXXX opened on XX/XX/XXXX. I do not or have not opened an account with XXXX and have not received any paper work from anyone in regards to this matter. This account does not belong to me and I want this validated, not verified bearing my signature showing that they have right to place this item on my credit report. I know my rights as a consumer and this company is violating them. I received no dunning notices on this alleged account, and have no idea what this is. I will be disputing through the Credit Reporting agencies as well and expect this item be deleted immediately. I have attached a copy of how this appears on my credit report from XXXX. No account numbers available other than XXXX. There is no supporting evidence that this account is mine and I want it deleted immediately or I shall be filing civil suit against Omega RMS.
03/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 334XX	Web
XX/XX/2019 - sent letter regarding HIPAA violation XX/XX/2019 - Omega RMS sent response with credit application. The signature on the credit application is not my signature. I supplied a copy of my drivers license to confirm my signature. XX/XX/2019 - Sent another letter for debt validation requesting the following : Please attach a copy of the agreement with your client that grants Omega RMS the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. XX/XX/2019 - Omega RMS sends the same credit application package. Again, the signature on the credit application is not my signature. I supplied a copy of my drivers license to confirm my signature Can you please have Omega RMS supply the above requests giving them authorization to collect this debt from the original creditor?
06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30033	Web	Older American, Servicemember
I signed for a option trading course with XXXX XXXX XXXX in XX/XX/XXXX which they charged {$2900.00} paying, I paid {$600.00} Down and {$86.00}. a month. I invested {$5000.00} to start my account they claimed a 68 % successful trades. The trainer and owner XXXX XXXX recommended trades each day. I wasn't having success. Got a call from ( XXXX ) convincing me to come to XXXX and train, they guaranteed I would make money after the training. Went to XXXX on XX/XX/XXXX with about 8 others from across the US. Complete waste of time I also learned he did not research for a trade just pull I informed them I was not happy and wanted to cancel. I was told I owe the balance. Omega RMS is the collection Agency. OMEGA said I owe {$10000.00}, for a debt I signed for {$2900.00}. On XX/XX/XXXX I sent a certified letter requesting document that state I signed for a {$10000.00} debt. I moved to XXXX did not get the mail call and advised Omega to resend the information gave correct address. Received the mail nothing about the sum of {$10000.00}. only signature for {$2900.00} debt. I am attaching the copy of mail I received.
10/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23321	Web	Servicemember
This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. I formally dispute the validity of this alleged debt. My dispute to Omega RMS, LLCs collection letter, dated XX/XX/XXXX will be sent to Omega RMS , LLC electronically, via CFPB 's portal to ensure receipt, and to the address referenced above, via certified mail, for record keeping purposes. ( Letter was sent on XX/XX/XXXX, via USPS ). I do not owe this debt or any debt to Omega RMS , LLC or to any third party Omega RMS , LLC is stating to represent. You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. Thank you for your attention in this matter. V/R, XXXX XXXX
03/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 28205	Web	Servicemember
I was contacted by a singles site called XXXX. I had just went to an interview with them in XXXX 2015. The person persuaded me to sign up with thier services. I gave a {$500.00} down payment towards having XXXX dates with XXXX elegible bachelors. I explained I would not be available for another month and was told it would be fine. Two days later I received a distirbing call from a young man who represented himeslf from the company and he wanted my credit card in order for the services to begin. I refused and told him I was no longer interested since there was a conflict in our initial agreement. I then began receiving bills from them where each month the amount was doubling. I received an email from the original sales person asking me to call her. I no longer wished to speak with her since she had falsely represented what they promised. I attempted to send an email, but it was returned. I tried calling the company and the number was out of service. I am getting OMEGA debt collection calls on this who want to negotiate a settlement. XXXX XXXX XXXX ia thier number.
03/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39212	Web	Servicemember
I called XXXX and asked them what my bill was gave them my card and paid them. A week later I am in collections with a collection company and I dispute it XXXX tells me all i need to pay is XXXX to restore service I have never gotten a bill to justify the debt since they said they would send it and never did. Another week later I hear from another collection agency this time saying that I owe over XXXX and to pay them immediately. I do not have a contract with this company nor do I owe them any money. I am still waiting on a proper bill today I receive a bill this time its in my husbands name and he has not owed nor had an account with XXXXXXXX in YEARS its like they look for names of people and send a bill. My husband does not have a contract with XXXX and if they are doing this to me the consumer they are doing this same foolishness to other customers. One account with different names then one account with three different numbers one account without a signature for the contract they are billing whomever and whatever to make profit off anyone in the household.
01/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89032	Web
A collection agency is reporting the incorrect " placed for collection '' date on my credit report for an account that is also past the 7 year reporting time frame. Also known as re-aging. The placed for collection date -XX/XX/XXXX, is actually the date the collection agency purchased the account from the original creditor. The account last payment was XX/XX/XXXX per the installment contract from the original creditor. According to FCRA Section 605, this account would have gone into collection/charge off on XX/XX/XXXX -180 days with no payment ; remained on my credit report for 7 years then removed from my credit report by XX/XX/XXXX. I have submitted certified letters to the collection agency, credit bureau and original creditor but the account is still on my credit report and with the incorrect date. The FCRA says that collection accounts must be deleted from your credit report 7 years from the date of first delinquency on the original account. The date of first delinquency is 180 days from the date of your very last payment to the original creditor.
07/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY XXXXX	Web
Omega RMS is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act. Omega RMS is using deceptive practices to collect money from me and they need to be investigated. I obtained copies of my credit reports and noticed a listing from Omega RMS . I did not authoriz e Omega RMS to obtain my credit file . Omega RMS never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sen t Omega RMS a v alidation letter to prove that they own this debt they claim I owe. Omega RMS then sent me old statements from various companies with dates from XXXX . Omega RMS did not send me a purchase agreement, bill of sale or any type of proof that Omega RMS is legally entitled to collect anything from me. To this day, Omega RMS is still reporting this account on my credit file and trying to collect money from me. Omega RMS deceptive tactics are malicious and intentional. The account I am referencing is : Omega RMS Acct # XXXX ...
03/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 146XX	Web
I joined XXXX of XXXX ( club # XXXX ) on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX I was provided notice from XXXX corporate that XXXX XXXX ( club # XXXX ) would be closing on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I provided XXXX with written notice to cancel my membership as a result of the closure and I stopped paying membership dues for the XXXX XXXX XXXX XXXX. In reviewing my credit report, I discovered that the remaining membership dues were sent to collections ( OMEGA RMS # XXXX ). A consumer should not be obligated to pay club dues for a club that is no longer open, however, the collection agency continues to report this matter to the Credit Reporting Agencies, this has a negative impact on my credit score. For additional information, please refer to the NYS Attorney General Investigation relating to XXXX. Your assistance in resolving this matter and clearing up my credit report is greatly appreciated.
08/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33414	Web	Servicemember
OmegaRMS is reporting a collections account for {$3500.00} on my XXXX report. I contacted them and they went over settlement options, I however wanted them to validate the debt before I made any payment to them cause I do not believe this was my debt. My wife and I are trying to buy a home and this is adversely affecting my credit. I have yet to receive any form of validation. Again, I am requesting debt validation in the form of a copy of the original application that includes my signature. Full payment history from the original creditor. The original agreement showing they can legally collect the debt. I will also need a copy of the purchase agreement. And finally, I am requesting a copy of your bond that shows you are legally registered in my state. It is unfortunate that debt collectors can do this. I am XXXX XXXX as well and they have no regard to those have served our country.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60653	Web
In accordance with the Fair Credit Reporting act Omega Rms has violated my rights 15 U.S.C 1681b ( a ) ( 2 ) [ ( 15 U.S.C 1681 section 602 A ) ]. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish data of an account without my written instructions. The company is falsely accusing me of owing them on behalf of XXXX XXXX XXXX {$3700.00}. for services I never used and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.
07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WI 530XX	Web
I paid Omega RRC for a debt they said I owed for XXXX XXXX XXXX, however, XXXX XXXX XXXX closed and I am not able to use the services or have services provided prior to their closing. I paid Omega over {$2500.00} so that they would n't ruin my credit as they were threatening to do so. I called Omega and explained the situation and they supervisor XXXX said that I should continue to call XXXX XXXX which the line is busy XXXX. I paid Omega travel on XXXX via XXXX XXXX the balance they stated we owed. Omega collected on a company that is closed, the XXXX also states they are out of business and Omega has n't been able to send us documentation that the amount was owed. I feel we received NOTHING for the money we paid Omega so we should receive our funds back from them. Any assistance you can help in resolving this matter would be greatly appreciated.
09/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33414	Web	Servicemember
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 15 U.S.C 1681 section 602 A ]. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish data of an account without my written instructions. The company is falsely accusing me of owing them {$3700.00} for services I never used and refuse to remove it from my credit report, in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.
04/12/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
In 2016 I went to XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX FL XXXX. to get consultation for a XXXX, and on my second visit a XXXX was force on me landed me into a another XXXX office because XXXX done turning my XXXX in XXXX and my XXXX XXXX, and my XXXX. I went back to XXXX and complain of the trouble I was having after the XXXX and they advised me to use another XXXX XXXX for XXXX XXXX and no other help was offer to me. I signed an application for a new XXXX, the only thing I receive was a force XXXX that land me in to three other XXXX office. A charge to my XXXX Insurance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX On the application I receive through XXXX, it state my monthly, income is {$5000.00} that is also false. Now Omegia RMS, LLC XXXX and XXXX XXXX XXXX , XXXX has place my name on collections.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 130XX	Web	Servicemember
On or around XX/XX/XXXX I was directed by Omega RMS LLC to contact XXXX, ( a debt collection servicer ) to pay off a balance on my credit report that is in collection. XXXX rep n I struck an agreement to delete the faulty account if I could pay XXXX which is less than what they said I allegedly owed. So I made the payment n was told XXXX XXXX the account would be removed from my Credit reports. However, what has happened is Omega has updated the amount to XXXX owed from XXXX owed n wont talk to me. It is now in XXXX XXXX my credit report is still affected n I have incurred damages n been denied credit to leverage out of my situation. XXXX know that the promised to have this resolved and send me a written letter but they have not done so. As of 2 days prior I was promised a email which I did not receive.
04/27/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78664	Web	Servicemember
On XXXX XXXX XXXX , I was invited to join XXXX . I felt pressured into buying the XXXX membership which I did that day. I realized afterward that I made a very bad mistake and called to cancel but, I was told that I waited too long to cancel and now I was basically stuck with the cost of the membership. I then called the finance company : XXXX XXXX XXXX and told them that I was no longer interested in Direct buy membership. I later found out that XXXX XXXX cancelled the membership less than XXXX after XXXX XXXX but yet they continued to bill me and eventually sent the account to OMEGA a collection company, this company has sent my account to the credit bureau and has ruined my credit. I have never used the XXXX membership and XXXX is no longer located in XXXX Texas.
12/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89148	Web
I declare under penalty of perjury ( under the laws of the United States ) that the forgoing is true and correct to the best of my knowledge. Further I clarify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing and willfully misstatements or omissions of material facts consistuties a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the FTC.
05/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 22304	Web
Hi! I'm writing to request that you help me with a situation regarding debt collection that is a result of identity theft. I did not authorize any payments to any of these companies and I do not recognize the Omega Company. I do not recognize any other company that is trying to send me to collections and trying to add a collection record on my credit report. I was a victim of fraud and a scam by XXXX XXXX back in XXXX XXXX XXXX and this Company has been harassing me and since then for no good reason. There was no service provided to me and this company collected my personal information, forged my signature on an agreement I never signed, and has been trying to use everything against me. Please help stop this XXXX XXXX and Omega from harassing me all this time.
03/30/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 775XX	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. Thank you
01/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web	Older American, Servicemember
Omega RMS put me in the credit bureau for a collection of {$3400.00}. They nor anyone associated with them has never done anything for me. When I inquired it is suppose to be some wealth company. The only ones getting wealthy are them. They claimed I signed something with them. I never signed anything with them and have no idea what they are talking about. They claimed the program was available for me. I don't want their program and nothing to do with them and demand that they take my name out of the credit bureau and stop harassing me. Again I am to old and don't have money to give away for nothing. These people who ever they are never did anything for me and neither have I used any of their services.
03/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NM 870XX	Web	Older American
I signed uo with XXXX & XXXX XXXX for some online real estate training and agreed to month to month payment for the training. After many months I found the training to be out of date and repetitive, with the same thing over and over again. I called and cancelled but they will not accept a cancellation, so I quit paying the monthly fees. At that I went on line to see the reviews of the company and found many people were experiencing the sale complaint at XXXX XXXX XXXX, XXXX and XXXXXXXX. Now this Collection company is an 18 % per month charge to what was a stated charge after I cancelled of {$940.00}.
05/07/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NV 89512	Web	Servicemember
OMEGA RMS LLC , continues to use alias o f my name to continue a collection that was settled on XX/XX/2016 with another company representing XXXX XXXX XXXX XXXX . XXXX XXXX just sent another letters stating account has been paid in full but if disputed the account will be reopened. First : thing the name is incorrect XXXX not my name spelling. Second : Letter is an UN-officall letter and an poorly attempt to reactivate account by committing a illegal predatory and purposely done I will consider this an act of fraud. I will be seeking any Criminal Avenues open to me.
05/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 200XX	Web
I joined a matchmaker site called XXXX XXXX XXXX could no longer pay them and the services did not match what they promised. They turned it over to a collection Agency recently. I have never ever received any communication from the collection Agency which is Omega RMS I emailed the company asking to send me a collection notice 3 times and got no answer to date. I need it in order to turn into my debt consolidation company.How is that you owe a debt and ever receive a collection letter makes no sense the only way I discovered it is because it popped on my credit report without notice.2
07/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28326	Web	Servicemember
I have a charge on my credit report stating I have an account in collections with Omega RMS. It shows that I owe over $ XXXX. This is a bogus charge. I called Omega RMS and they stated they do not have an account with my name on it, however it is on my credit report. I have never heard of Omega RMS prior to finding this charge on my credit report. I want it removed immediately. All of my accounts are in good standing and I have nothing in collections. I have no supporting documents because I have no account/experience with Omega RMS.
03/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS XXXXX	Web	Servicemember
I received a bill from Omega RMS LLC for the amount of {$240.00} informing I owe a bill to XXXX but the strangest thing is I have an open account and pay this company every single month was informed that all bills owe was discounted and restarted account with XXXX balance. I never got a bill after this from the company and they informed me not to worry about any new bills for I am directly debited from this company. This is clearly a mistake that needs to be fixed immediately. I have been a customer for more than XXXX years XXXX
01/24/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AL 351XX	Web
Cease and Desist have been sent to Omega RMS. I also demand to see The Bill of Assignments and Chain of Title of all alleged debt bearing my name to validate. I didn't directly consent for this company to have my personal information. I demand my personal data be deleted. Omega RMS is only to contact me thru the CFPB, and stop communicating with third parties about my information. This company has also violated several consumer laws that protect from deceptive practices as stated in my letters. I will seek monetary damages
11/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84084	Web
Omega RMS is reporting and attempting to collect on a debt that I absolutely do not owe. It is for XXXX XXXX XXXX whom I signed up with to help me find a quality person to date. The first person they connected me with is a stalker and still stalking me today! I have a protective order against him and they obviously did n't check his back ground. They put my life at risk! I was told they would adjust the bill. If they do not adjust the bill then I will take legal action as I have already consulted with my attorney.
08/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 787XX	Web	Servicemember
On XX/XX/XXXX, and then again on XX/XX/XXXX, a demand for validation was sent the company posted Certified Return Receipt Requested. Other than the Return Receipts there has been no response to date. Omega RMS, XXXX XXXX, MO. continues to verify to the XXXX Credit Bureau that the debt is valid. There is no agreement with my signature on this company 's letterhead. Additionally, on XX/XX/XXXX, and then again on XX/XX/XXXX, a demand of XXXX to provide a method of verification has been repeatedly ignored.
01/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19963	Web
I have disputed several times with XXXX and Omega RMS , LLC, that the collection on my credit report for XXXX Which went delinquent in XX/XX/XXXX ( with no further activity ) should be removed from my credit report. According to The Fair Credit Reporting Act, it states that negative items will remain on your credit report for 7 years from the first date of delinquency. However, Omega has falsified and changed the date to XX/XX/XXXX in an attempt to keep the collection on my report for an additional 7yrs
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48234	Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my XXXX XXXX is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
03/02/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75115	Web
XXXX XXXX XXXX called me on XX/XX/XXXX and XX/XX/XXXX I asked them to stop calling me and to only communicate with me in writing I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. *The certified letter was received on XX/XX/XXXX ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX continues to call and I have two voicemail messages from them on XX/XX/XXXX lasting 20 seconds and on XX/XX/XXXX lasting 31 seconds.
12/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91786	Web
After making arrangements with another company, This collection agency reported this account for the original creditor XXXX away. This account was just reported however, I have no agreement or communications or signed contract with OMEGA RMS. They refuse to provide a statement that validates that they work with XXXX. They also were very rude and did not listen to my request for documentation proof that they work with XXXX XXXX. This company has some concerning practices.
01/29/2017	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	NY 114XX	Web
Collecting payments since XX/XX/2016 {$150.00} monthly from there collection Department name XXXX XXXX services @ XXXX XXXX XXXX XXXX. File number XXXX. But not showing from the orginal account. XXXX XXXX. XXXX, XXXX. I have XX/XX/XXXX and XX/XX/XXXX payment and i will be paid in full with the agreement of settlement option 3. I called in reference to them letting my creditors know ive made all my payments on time, so i can get the credit i deserve. Omega number XXXX.
02/01/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30339	Web
I have disputed Omega RMS countless amount of times since 2020. I have requested all communication be dont through mail and proof of the original contract, original creditors info, wet signature payment history and proof of ownership send to me showing I authorize this with my signature or pay me {$1000.00} per violation. They have not provided any of this information and continue to call and threat me about making a payment to them.
09/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77043	Web
XX/XX/19 XXXX - Omega RMS calls me informing me of a debt from XXXX with XXXX XXXX XX/XX/19 XXXX - I call XXXX XXXX. They say they have no outstanding debts with me and have never heard of Omega RMS and do not use a collection service. XX/XX/19 XXXX - I repeatedly call Omega RMS trying to explain they have the wrong information regarding this debt. Twice they hang up on me. We never get the situation resolved.
04/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CT 06516	Web
Working with this company to try to help consolidate student loan debt. They were a 3rd party loan collection agency that said they will work with my federal student loan servicer. They were collecting payments during XXXX, XXXX, XXXX of 2019. Come to find out they were scamming people and not working with any federal loan servicers I had loans with. They took close to 800.00 $ of my money by account withdrawal.
02/11/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 32218	Web
Apply for course with XXXX XXXX XXXX XXXX, requested to cancel course the next day and was told that I can not cancel course, when I told them about the 3 days right of refusal. I was told that it did n't apply to that course. I have never log into their course or use their course and should not be charge {$2000.00} for not using or receiving the course work. I feel that I am being force to use their product.
07/25/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 94080	Web
The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.
07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CO 80228	Web
on XX/XX/2021, I sent a validation letter to Omegas for a collection they placed on my credit report. I have not received any information in response to my letter, nor did I receive any information before this company placed it on my credit, giving me an option to validate the debt. Ive attached the credit report showing the account as well as the certified letter that was sent to them.
03/12/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 18042	Web	Servicemember
This Collection Agency named OMEGA RMS whom brought this account from Stores Onlines at the time I owed roughly {$1700.00} in the year XX/XX/XXXX have double the balance to {$3500.00} and continues to report it on my XXXX Credit Report also twice within 30 days of the pass months. ( XX/XX/XXXX & XX/XX/XXXX ), the Statue Limitation on this Account expired in XX/XX/XXXX.
11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50315	Web
I have tried multiple times obtaining verification on this debt account that is showing on credit report and I have been ignored all along. I disputed account with bureau and asked to verify or delete immediately as I do not recall having account open. I disputed account with the CFPB by mail and I havent heard anything from neither bureau or CFPB.
01/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75115	Web
Omega RMS has yet to verify that I this balance is indeed mine. Initially they reported the principle balance being : {$12000.00} On XX/XX/XXXX they added interest and fees totaling : {$16000.00} I filed a complaint and on XX/XX/XXXX they were removed from my XXXX report As of XX/XX/XXXX they are back on my XXXX report totaling : {$18000.00}
01/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33426	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
10/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48234	Web
I applied for housing to relocate with my mother who is XXXX. We were denied based on a debt listed on my account that is not mine. My report lists the following : The Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Original Creditor XXXX Stores Online {$3900.00}
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46220	Web
OMEGA Investment company Showing a Balance of {$290.00} I don't have any investment transactions at all! Never heard of this account. It just recently appeared on my credit report not sure why Not mines! Action : Please remove from my credit reporting ( all 3 reports please ) Thank you in advance
10/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94588	Web
OMEGA RMS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. MO XXXX ( XXXX ) XXXX I asked this company for a payment history. As well as debt valuation letter. All the has supplied is a document from an online application. This account is an old account and has been paid in full.
04/22/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48081	Web
Omega rms keep informing me that I will collect interest on the debt owed, I can settle on the account but they are charging me an XXXX dollar fee for each payment and tells me I can mail in the payment and wont stop any of the interest on my account
07/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34482	Web
Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.
07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34482	Web
Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance.
08/09/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AR 72120	Web	Older American, Servicemember
OMEGA company has give me a bad credit for two years. one payment was missed and with out telling me they ask for XXXX. for compensation for the loss. i found out this on a credit report.now in collection and/or write off. I would like this to stop
04/05/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	MA 02368	Web	Servicemember
Other agencies submitted documents to me stating that Omega-RMS, LLC is allegedly handling an alleged debt tied to my person XXXX XXXX XXXX. I have no idea who Omega-RMS, LLC is and they have never provided me with any type of documentation.
05/11/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MI 49546	Web
I am requesting validation { not verification } of an item reported on my consumer credit report. Please provide me the following information. I have included the last four of m y social and current address to avoid any delay this account.
08/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33326	Web
The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.
01/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90024	Web
I am a victim of identity theft. I checked my credit report and there is a medical debt listed on my report that does not belong to me. Thus far I have tried to dispute the debt to get removed from my credit report to no avail.
07/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30907	Web	Servicemember
Omega RMS , LLC is attempting to collect for XXXX XXXX XXXX. I called XXXX as verified I own nothing. I called Omega and told them to stop contacting me by any means. Still receiving contact. Reference XXXX
10/17/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92618	Web
Attempt to collect a debt that is not mine. Please investigate Omega RMS, because they 're trying to collect money from me twice with a XXXX different amount at {$28000.00} each account that is not mine.
05/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.
07/11/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34232	Web
I've contacted the consumer reporting agency several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).
09/05/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 31907	Web	Servicemember
I told them do not call me anymore and stop your collection action because I do own anything you do not have a contract with my name on it I never both anything from you.
10/09/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	OH 43123	Web
Someone has stolen my identity and has apparently opened a mortgage in my name. I 'm not sure on how how stop this, but this is not my mortgage and the debt is n't mine.
11/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11040	Web
I don t even recognize who the original creditor is and no account numbers available to contact and dispute the issue. Yet report says Individual and Joint account.
02/11/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MI 48187	Web
OMEGA RS reported a collection account in my name with XXXX XXXX credit bureau without sending me notification of debt and the notice of right to dispute.
09/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33904	Web
I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service.
07/31/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Keep getting calls about your loan	GA 398XX	Web
XXXX XXXX,2017. {$2800.00} i call to resolve the issue I told them it will be the first of the month but they keep calling and harassing me
04/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 455XX	Web
Information not 100 % correct such as address, amount owed, type of account. Certified letters sent multiple times to address situation.
10/19/2021	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	CA 91605	Web
At lest once a week they calling me at XXXX I tell them multiple time not to call me at XXXX
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web	Servicemember
My info was shared, as well as accounts fraudulent
03/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07644	Web
act was disputed by mail it has yet to be removed
03/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11212	Web
I never enrolled or owned this account.
01/22/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19151	Web

01/19/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19151	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19151	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10024	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19151	Web

01/11/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19151	Web

01/11/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19151	Web

12/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30213	Web

11/27/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	GA 30213	Web

11/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23321	Web	Servicemember

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 223XX	Web

11/10/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22303	Web

10/06/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94588	Web

10/02/2023	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	IL 60462	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33445	Web

08/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76135	Web

08/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60060	Web

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10452	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web	Servicemember

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60653	Web

03/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60653	Web

11/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33196	Web

11/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33613	Web

09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77493	Web

09/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20011	Web

08/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20011	Web

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31520	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 16101	Web	Servicemember

02/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11580	Web

02/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11580	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75034	Phone	Servicemember

02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33032	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33073	Web

05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

04/05/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85706	Web

01/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web	Servicemember

12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85704	Web

12/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45216	Web

12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75240	Web

09/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30350	Web

08/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46143	Web

03/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32327	Web

02/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web	Servicemember

01/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60585	Postal mail

08/13/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 75060	Referral

07/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28173	Web

06/04/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29180	Web

05/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64128	Web	Servicemember

04/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23120	Web

03/13/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23608	Web

03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33351	Web

02/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11580	Web

01/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11580	Web

01/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11580	Web

11/24/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08096	Web	Servicemember

11/24/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08096	Web	Servicemember

11/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10469	Referral

11/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19083	Postal mail	Servicemember

10/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36853	Phone

09/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 20147	Web

06/25/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73044	Phone

04/12/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89123	Postal mail

03/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33578	Web

03/02/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

02/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92553	Web

02/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36432	Postal mail

01/27/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60644	Web

01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60527	Fax

01/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web

11/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98816	Web

10/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32119	Web

10/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19963	Web

08/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33625	Web

07/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ID 83686	Web

07/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 86406	Web

07/05/2017	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	MS 39455	Web

06/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95391	Web

05/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 71202	Web

02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 31408	Fax

01/25/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32547	Web

12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NY 11228	Phone

10/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33034	Postal mail

07/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97502	Web	Servicemember

06/20/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 85345	Web

03/06/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	FL 33055	Web

02/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 31326	Phone

09/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30045	Web	Servicemember

09/11/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MD 20794	Web

08/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	TN 37087	Web

03/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37922	Referral

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34243	Web

01/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20001	Web

11/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30308	Web

10/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20175	Referral	Servicemember

10/28/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AZ 85132	Postal mail	Older American

10/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08062	Web

10/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97355	Web

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30044	Web

06/06/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32780	Web

02/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NM 87109	Web

02/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75234	Web

11/19/2013	Yes	Student loan Non-federal student loan	Repaying your loan	TX 78250	Web

10/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	RI 02860	Phone

10/10/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	HI 96738	Web