Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: IL

Complaint narrative:
Re : Notice of Intent to Pursue Litigation and Demand for Compensation Dear LCI Consumer Center, I write to put you on notice of my intent to pursue litigation against your company for multiple violations of federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( ICFA ). Your willful and negligent disregard for my rights has caused significant harm, and I demand compensation and remediation for these violations. 


Your sale of my personal information to XXXX without my written consent constitutes a direct violation of 15 U.S.C. 1681b - Permissible purposes of consumer reports, and 18 U.S.C. 1028A - Aggravated identity theft. Furthermore, you have failed to provide the method of verification required under 15 U.S.C. 1681i ( a ) ( 7 ), thereby necessitating the prompt deletion of all information which can not be certified or verified, per 15 U.S.C. 1681i ( 5 ) ( A ).

The United States Bankruptcy Court has provided an affidavit refuting the verified or confirmed status of the information you claim is accurate. It is clear from this affidavit that your company is in willful violation of the FCRA by storing and disseminating uncertifiable and unverifiable information from to third parties. 


It has come to my attention that I have experienced the same issue with XXXX, who has verified the Bankruptcy listing within their file as unverifiable. Your continued noncompliance only exacerbates the matter, and I fully expect a satisfactory response from your company. 


The law is unequivocal in terms of civil liability and remedies available to me under 15 U.S.C. 1681n and 15 U.S.C. 1681o if you fail to comply with federal and state laws. As a litigious consumer, I fully intend to pursue litigation in this matter to enforce my rights under the FCRA, the ICFA, and any other applicable laws. 

In light of your multiple legal infractions, I am now demanding {$1000.00} in compensation for each of the following willful disregard and blatant violations : XXXX. Permissible purpose : {$1000.00} XXXX. Defamation of character : {$1000.00} XXXX. Damaged reputation : {$1000.00} XXXX. Damaged creditworthiness : {$1000.00} XXXX. Damaged mode of living : {$1000.00} XXXX. Infringement on right to privacy and aggravated identity theft : {$1000.00} I demand that LCI immediately delete the contested record ( Bankruptcy Records ) and provide compensation for the aforementioned violations. You have ten ( 10 ) days to provide a settlement and to completely remove the contested record. 


Failure to comply with this demand will result in my pursuit of legal action to enforce my rights and seek additional damages as warranted by law, including but not limited to, court costs, attorney fees, and punitive damages. This is your final warning. 


I eagerly await your response and hope that you will take prompt action to rectify this matter. 



















Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation