Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (CT)

LCI, SinceXX/XX/XXXX, I have disputed the method of verification of a bankruptcy you furnished to my XXXX consumer report. I have disputed this item with both LCI and XXXX directly, and have filed several CFPB complaints with supporting evidence against LCI and XXXX. Time and time again LCI submits to XXXX that the item is verified as accurate and is a matter of public record. 

I find LCIs response to me on XX/XX/XXXX and subsequent dates to be false, deceptive, and misleading. LCI alluded to the fact that consumers do not have a right to privacy by referring to consumer reporting agencies as credit bureau seeming as though LCI is reporting to a federal entity as the term bureau is defined as Bureau of Consumer Financial Protection per 15 USC 1681a ( w ). However, this is false as XXXX is a credit reporting agency, and consumers DO have a right to privacy per the Congressional Findings of 15 USC 1681, and a right to not have private consumer transactions made public by LCI and XXXX. In your initial correspondence, LCI also advised I contact the Bankruptcy Court directly if I believed something was wrong. I spoke with the US Bankruptcy Court of Western Washington and asked if the court had reported a bankruptcy to LCI or XXXX, and I was told the US Bankruptcy Court does NOT report or furnish any information to credit reporting agencies. 

In another letter LCI sent to me, LCI admitted to utilizing PACER.gov and NOT the Bankruptcy Court to furnish bankruptcy information to XXXX. The public must pay to access cases/dockets on PACER.gov, so bankruptcy information is NOT as publicly accessible as LCI and XXXX lead on. LCI searched for negative information to defame my character and tarnish my credit reputation, illegally using my personally identifiable information ( Name, SSN, DOB ) to match to a bankruptcy on PACER.gov. LCI then sent this information to XXXX to report to all creditors causing severe damage to my consumer report. Such actions can be seen as fraud as XXXX lists the US Bankruptcy Court of Western Washington as the furnisher on my consumer report when really the information came from a website. 

By these very actions alone LCI and XXXX have committed aggravated identity theft per 18 USC 1028A ( a ) ( 1 ) and several FCRA violations. I never gave LCI or XXXX my written authorization, consent, or permission to use my personally identifiable information in any transaction or written consent to furnish bankruptcy information, a direct violation of 15 USC 1681 ( b ) ( 2 ). If LCI and XXXX have my written consent, please attach the document in the complaint response. 

LCI, was registered by XXXX throughout the years of my countless disputes up until XXXXXXXX XXXX It is clear XXXX uses deceptive tactics as it relates to consumer reporting, by registering LCI to furnish stolen private consumer information to report back to themselves ; giving the appearance that an alternate company is furnishing the information in an attempt to evade treatment as a consumer reporting agency. Such a practice is a violation of 15 USC 1681x. 

LCIs and XXXX actions of noncompliance to the FCRA has caused me grave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. As such, this is XXXX and LCIs last chance to rectify my affairs and block and remove the bankruptcy from my consumer report. 30 days will be allotted to do so to avoid any future legal action for defamation of character, and XXXX XXXX XXXX XXXX. I have tried through countless disputes for years to resolve this issue peacefully.