Credit reporting, credit repair services, or other personal consumer reports -- Problem with a company's investigation into an existing issue -- Complaint #4722908
Complaint Overview
Complaint ID: 4722908
Company: Verisk Analytics INC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-Issue: Was not notified of investigation status or results
State: Wisconsin
ZIP Code: 53144
Date Received: 2021-09-15T12:00:00-05:00
Date Sent to Company: 2022-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Several times I've tried to work with LCI you deleted the bankruptcy they're listing on my consumer report. I've sent emails and letters inquiring as to how they got their information and how they supposedly verified the accuracy of said bankruptcy. They willfully refuse to delete the bankruptcy even though it can not be properly verified due privacy issues. Per Rule 9037 of the Federal Bankr uptcy Procedures section 205 ( c ) ( 3 ) that addressed privacy issues, the bankruptcy can not be verified due to information being redacted, such as a person 's full SSN ( only the last 4 digits of a social security number is listed ). This means that LCI is unable to properly prove that the Bankruptcy listed belongs to me. Furthermore, per the FCRA, XXXX is not a proper verification of a bankruptcy as the information is fished from the XXXX system and not actually reported to LCI. Per the FCRA, if a bankruptcy can not be proven with absolute certainty that it belongs to a consumer it is to be deleted. To date LCI refuses to comply with the FCRA or Federal Rule XXXX, they continue to site Pacer which as I've described above is fraudulent on behalf of LCI. It should be noted that XXXX XXXX deleted the bankruptcy to be in compliance with FCRA and Federal Rule XXXX. Yet LCI refuses to comply leaving themselves up to lawsuit and fines.
Frequently Asked Questions
What is Complaint #4722908 about?
Complaint #4722908 was filed against Verisk Analytics INC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a company's investigation into an existing issue. It was received by the CFPB on 2021-09-15T12:00:00-05:00.
How did Verisk Analytics 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Verisk Analytics INC?
Yes, visit the Verisk Analytics INC company profile at readthecomplaint.com/company/verisk-analytics-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.