Debt collection -- Took or threatened to take negative or legal action -- Complaint #7118091
Complaint Overview
Complaint ID: 7118091
Company: Omega Rms, LLC
Product: Debt collection
Sub-Product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: New York
ZIP Code: 11795
Date Received: 2023-06-14T12:00:00-05:00
Date Sent to Company: 2023-06-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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 ]
Frequently Asked Questions
What is Complaint #7118091 about?
Complaint #7118091 was filed against Omega Rms, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-06-14T12:00:00-05:00.
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 (Debt collection) 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.