Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14675685
Complaint Overview
Complaint ID: 14675685
Company: Lci Acquisition INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30318
Date Received: 2025-07-15T12:00:00-05:00
Date Sent to Company: 2025-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I wrote to formally dispute the validity of an alleged bankruptcy listed on my credit report to LCIXXXX , associated with my Social Security number . This inaccurate and defamatory entry has significantly affected my credit standing and is in violation of multiple provisions within the Fair Credit Reporting Act ( FCRA ) and U.S. Code. On XX/XX/XXXX and again on XX/XX/XXXX, I contacted Transunion and LCI/XXXX to challenge the accuracy of this entry. I was informed that the data had been verified through XXXX records. On XX/XX/XXXX, I submitted a written request to XXXX for all documentation used to verify this alleged bankruptcy, including original documents bearing my signature and that of the Clerk of the Court. XXXX responded stating that they initiated a dispute and resolved the investigation as of XX/XX/XXXX. During their process, they removed the following from my consumer file : BANKRUPTCY RECORD CASE NUMBER XXXX This proves that XXXX no longer reports this record, nor do they submit such data to any credit bureau. I also possess a court document signed by the judge confirming that the alleged bankruptcy court does not share data with third-party agencies. Therefore, XXXX claim of verification through either the court or XXXX or LCIXXXX is demonstrably inaccurate. This conduct is either a grievous error or a willful misrepresentation. In accordance with : -FCRA 611, 15 USC 1681i Reinvestigation of disputed information - FCRA 605B, 15 USC 1681c-2 Blocking of information resulting from identity theft - 15 USC 1681b ( 2 ) Permissible purposes for access - 15 USC 1681q Unauthorized disclosures - 18 USC 1028A Aggravated identity theft I am formally requesting an immediate reinvestigation and removal of the false bankruptcy record from my credit report. This erroneous data violates the FCRA and subjects the responsible parties to potential statutory damages of up to {$1000.00} per violation, including for defamation and negligent enablement of fraud. Additionally, I was included in the TransUnion Class Action Lawsuit, further underscoring the pattern of improper reporting behavior. Please consider this my official notice that I am keeping detailed records of all correspondence and actions related to this matter. Failure to remove this information promptly will result in further pursuit of my legal rights under federal law.
Frequently Asked Questions
What is Complaint #14675685 about?
Complaint #14675685 was filed against Lci Acquisition INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-15T12:00:00-05:00.
How did Lci Acquisition INC. 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 Lci Acquisition INC.?
Yes, visit the Lci Acquisition INC. company profile at readthecomplaint.com/company/lci-acquisition-inc 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.