Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MD

Complaint narrative:
I am filing this complaint because LCI also known as G2 Bankruptcy Risk Solutions has violated my rights to privacy and is furnishing inaccurate and unverifiable public record information ( bankruptcy ) to the credit bureaus, which is damaging my credit profile and violates the Fair Credit Reporting Act ( FCRA ). 

I have disputed this information multiple times directly with LCI/G2 via certified mail (XXXX XXXX XXXX XXXX XXXX XXXX In my disputes, I requested lawful verification of the bankruptcy record, proof of their right to access and furnish my PACER records, and deletion of the inaccurate/unverifiable information. They only responded twice ( XXXX and XXXX  ), falsely claiming that they verified the bankruptcy using PACER and stating that they are " unable to delete or correct '' the reporting which violates FCRA requirements for furnishers.

Both XXXX XXXX XXXX XXXX XXXX  letters say : " G2BRS is unable to remove from or change any of this information in your TransUnion report, '' which is a false and misleading statement. As a furnisher, FCRA requires them to update/delete inaccurate information after disputes, so them saying they can't delete is a direct violation of FCRA 623. 

In the XX/XX/XXXX letter, this company attempts to use the " public records '' defense which is irrelevant under FCRA for furnishing. Being public does NOT eliminate the requirement for accuracy, permissible purpose, and privacy under FCRA. In addition, PACER is not used for verification or validation. Furthermore, in the XX/XX/XXXX letter, they attached a PACER printout, proving that they accessed my file without my consent. PACER Privacy Policy prohibits access and use of PACER records for resale/redistribution without lawful purpose nor can LCI/G2 use it to profit via furshing information to the credit bureaus such as TransUnion. 

A representative with PACER confirmed to me via a company recorded phone call on XXXX that PACER does NOT verify or validate information and prohibits third parties from using court records for credit reporting or verification purposes. Additionally, PACERs Privacy Policy clearly states this, and I have attached the policy as evidence. I never authorized LCI/G2 to access or use my PACER records, yet they accessed, printed, and furnished them, which constitutes unauthorized access and a privacy violation. Then, they presented the PACER information to me as if PACER directly validated and verified this information. 

LCI/G2 has admitted they are a furnisher in writing, but they have refused to fulfill their obligations to properly investigate, correct, or delete the disputed information as required under FCRA 623. Instead, they continue to report inaccurate and unverifiable public record information to the credit bureaus, causing me credit harm by hurting my ability to purchase a home and receive access to a mortgage and favorable terms. In addition, it violates my consumer privacy rights. 

Accessing public information does NOT equate to having a permissible purpose under the FCRA to report that data to a credit bureau. Under FCRA 604, a data furnisher may only provide data to consumer reporting agencies for specifically authorized purposes, which does NOT include raw PACER records, especially when PACER prohibits using its data to " verify or validate '' court records. Once again, I NEVER gave LCI/G2 permission to access my PACER records.

As the PACER representative stated on the phone, PACERs Privacy Policy makes it clear that PACER is NOT a verification service and does NOT validate information. Therefore, LCI/G2 claiming they " verified '' my bankruptcy via PACER is not only factually false, but also illegal and deceptive, as they are utilizing a prohibited source to furnish negative credit data. Use of PACER records in this way is expressly forbidden by PACERs own policy and constitutes unauthorized access and misrepresentation.

Accessing public records, even if lawful, does not give LCI/G2 the right to act as a furnisher of that information to consumer reporting agencies. The act of furnishing is regulated separately under the FCRA. By reporting this information, they took on the role of data furnisher, subject to strict FCRA requirements, which they have failed to meet. 

Furnishing information requires : Permissible purpose ( FCRA 604 ), but none exists here, compliance with FCRA furnisher responsibilities of whic LCI/G2 has failed, and truthful representation of data to which LCI/G2 has lied, claiming PACER validated this record.

In closing, LCI Acquisition / G2 Bankruptcy Risk Solutions has admitted in writing that they act as a furnisher of information to TransUnion. However, despite this, they have openly and falsely stated to me that they are " unable to remove or change any of this information, '' which is a blatant violation of FCRA 623. Additionally, they have accessed my PACER bankruptcy records without my permission, used those records for verification and furnishing purposes despite PACERs Privacy Policy strictly prohibiting such use and then attached my personal records in correspondence to me as part of a commercial furnishing operation. Further, LCI/G2 misrepresents PACER as a validation service, when PACERs policy explicitly states that it DOES NOT VERIFY OR VALIDATE information and confirmed to me directly that such use is illegal. 
These acts amount to deceptive, illegal, and abusive conduct, which are not isolated but represent a pattern and practice of misconduct, as evidenced by public CFPB complaint history. 

Given this pattern of abusive conduct, misrepresentation, and systemic refusal to correct or delete inaccurate public record data which appears consistent with other CFPB complaints filed against them I am requesting : Deletion of the disputed public record from my credit report, Cessation of unauthorized furnishing of PACER-derived data, and Regulatory oversight and enforcement regarding LCI/G2 's abusive dispute and reporting practices.

LCI/G2 Bankruptcy Risk Solutions has clearly violated my rights to privacy. The laws they are violating are provided below as well as the civil liability law under which I can and will sue are provided below : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Failure to Comply or delete these items- 15 U.S. Code 1681n - Civil liability for willful noncompliance- ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I'd like for LCI/G2 to be aware that I am ready and willing to escalate this issue to theAttorney Generals Office, XXXX XXXX XXXXXXXX XXXX and Federal Trade Commission XXXX 

Attachments : I have attached certified mail receipts, LCI/G2s responses, copies of my disputes, and PACERs privacy policy as referenced by PACER 's representative during our phone call.

Company response to consumer: Closed with explanation