Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc.
State: MI

Complaint narrative:
FTC REPORT NO : XXXX My First & LAST name, My Street NUMBER & Street NAME and My City and State are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX TODAY IS : XX/XX/XXXXXXXX PLEASE DELETE THE INACCURATE NAMES BELOW : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE INACCURATE ADDRESSES BELOW : XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX KY, XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX payment history and delinquency progression reported on this account appears inconsistent and may not comply with the reporting accuracy requirements of the Fair Credit Reporting Act. Please conduct a reasonable investigation and verify the complete XXXX XXXX payment history for this tradeline or delete the inaccurate late payment reporting. Please remove all the late payments immediately. XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$580.00} Please delete this inaccurate information on my credit report. 2. The extended series of late payments reported from XX/XX/XXXXXXXX through XX/XX/XXXXXXXX appears excessive and requires verification of the full account payment ledger and reporting methodology. If the furnisher can not validate that these delinquencies were reported in compliance with XXXX XXXX Format, this account should be corrected or removed. Please remove all the late payments or delete this account immediately. XXXX XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$560.00} Please remove it from my credit report. 3.The reported 3060 day late payments between XX/XX/XXXXXXXX through XX/XX/XXXXXXXX require verification of the exact billing cycle dates and payment application records. Please verify that the delinquency codes were reported accurately under the standards required by the Fair Credit Reporting Act or remove the inaccurate information.. Please remove all the late payments or delete this account immediately. XXXX XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$1100.00} Please remove it from my credit report. 4. This account is reported as charged-off but the balance, charge-off status, and historical payment data require verification for completeness and accuracy. If the furnisher can not validate the reporting fields in accordance with XXXX XXXX guidelines and the accuracy provisions of the Fair Credit Reporting Act, the tradeline must be deleted. XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$5000.00} Please remove it from my credit report. XXXX. The charged-off status and reported balance require verification of the date of first delinquency and the charge-off reporting fields. Please provide confirmation that this tradeline complies with the reporting accuracy requirements of the Fair Credit Reporting Act or remove the account from my credit file. XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$3600.00} Please remove it from my credit report. 6.This account is reported as charged-off, however the reporting lacks sufficient verification of the full account history and delinquency timeline. If the furnisher can not validate the accuracy of this reporting under the requirements of the Fair Credit Reporting Act, the tradeline should be deleted. XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX Please remove it from my credit report. 7. The balance and charge-off status reported on this account require verification of the date of first delinquency and payment history coding. Please confirm that the information reported complies with XXXX XXXX reporting standards or delete the tradeline if it can not be verified. XXXX XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$10000.00} Please remove it from my credit report. 8. The charged-off status and outstanding balance require verification to ensure the account is being reported accurately and not duplicatively across the credit file. If the furnisher can not validate the reporting under the requirements of the Fair Credit Reporting Act, this tradeline should be removed. XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$8300.00} Please remove it from my credit report. 9. This account reflects late payments despite showing a XXXX balance and closed status, which requires verification of the payment history accuracy. Please confirm that the reported delinquencies are accurate and compliant with the Fair Credit Reporting Act or remove them. XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$0.00} Please remove it from my credit report. XXXX. The reported late payments between XX/XX/XXXXXXXX and XX/XX/XXXXXXXX require verification of the original payment records and delinquency coding. If the furnisher can not substantiate the accuracy of these delinquencies under XXXX XXXX reporting standards, the late payment history should be corrected or deleted. XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX Please remove it from my credit report. 11. This collection account requires validation of the debt ownership and the accuracy of the information being reported to the credit bureaus. If the furnisher can not verify the account in accordance with the requirements of the Fair Credit Reporting Act, the collection should be removed from my credit report. XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX. XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$740.00} Please remove it from my credit report. 12.This collection tradeline requires verification of the assignment of the debt and the reporting accuracy. If the furnisher can not validate the debt and reporting fields under the requirements of the Fair Credit Reporting Act, the account should be deleted. XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$680.00} Please remove it from my credit report. 13. This collection account requires verification of the underlying contract and proof that the furnisher has the legal authority to report this debt. If the account can not be validated under the accuracy standards of the Fair Credit Reporting Act, it must be removed. XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX BALANCE {$1000.00} Please remove it from my credit report.

Company response to consumer: Closed with explanation