Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12726805
Complaint Overview
Complaint ID: 12726805
Company: Omega Rms, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: California
ZIP Code: 95829
Date Received: 2025-03-29T12:00:00-05:00
Date Sent to Company: 2025-03-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this formal complaint regarding the validation of alleged financial obligations and improper identification practices in clear violation of my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Specifically, I received documentation purporting to demonstrate that I authorized or acknowledged a financial obligation. Upon review, I discovered glaring inaccuracies : the birthdate listed is incorrect, and the associated address is one at which I have never resided, nor had any legal or practical connection. Clearly, the entity has provided false, inaccurate, and misleading identification data, failing their obligation under the FCRA 611 to maintain accuracy and under the FDCPA 809 ( b ) to properly validate alleged debts. This gross oversight and clear negligence suggest possible identity confusion or identity theft, a serious breach of consumer protection standards. I am deeply troubled by the careless handling of my personal identifying information, and I firmly assert that this alleged obligation is unsupported by accurate or valid documentation. Therefore, I request an immediate investigation into this matter, correction or deletion of this erroneous information, and provision of any and all documentation the entity possesses linking me to this obligation. There is no identification. Nor proof of identity. This is simply a name with a different birthday and no picture ID. This is someone with a similar name, and I want this information removed from my credit report unless I am provided with visual identification. I am not. I further request confirmation of compliance with federal laws mandating accurate and thorough validation of debts and personal identifying information. I anticipate your prompt action to rectify this clear violation of my consumer rights and protections as set forth by federal law.
Frequently Asked Questions
What is Complaint #12726805 about?
Complaint #12726805 was filed against Omega Rms, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-29T12:00:00-05:00.
How did Omega Rms, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Omega Rms, LLC?
Yes, visit the Omega Rms, LLC company profile at readthecomplaint.com/company/omega-rms-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.