Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LCI Acquisition Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Washington XXXX DC XXXX Email : XXXX Phone : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED AND ELECTRONIC MAIL XXXX Date : XXXX FORMAL NOTICE OF INTENT TO SUE Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) FACTA Identity Theft Provisions ( 15 U.S.C. 1681c-2 ) Bankruptcy XXXX XXXX. XXXX ( XXXX Bankruptcy XXXX XXXX District of Columbia XXXX NOTICE TO G2 BANKRUPTCY RISK SOLUTIONS, XXXX. 

This correspondence constitutes formal legal notice that unless the violations outlined below are cured within XXXX ( XXXX ) days of receipt, I will initiate civil litigation against G2 Bankruptcy Risk Solutions XXXX XXXX ( XXXX ) without further warning. 



I. XXXX XXXX ( Intended ) : XXXX XXXX XXXX, a consumer as defined by 15 U.S.C. 1681a ( c ) Defendant ( Intended ) : G2 Bankruptcy Risk Solutions, XXXX, a consumer reporting intermediary and furnisher of consumer information subject to the Fair Credit Reporting Act. 



XXXX. FACTUAL BACKGROUND XXXX. XXXX reported and verified a bankruptcy filing ( XXXX XXXX. XXXX ) on my consumer credit report. 
XXXX. I timely disputed the accuracy of this reporting, expressly asserting that the filing resulted from identity theft. 
XXXX. On or about XX/XX/XXXX, XXXX responded claiming it conducted a reasonable investigation and continued to verify the bankruptcy solely on the basis of a public court record. 
XXXX. XXXX failed to provide evidence of any meaningful investigation into identity theft, misattribution, or fraudulent filing. 



XXXX. STATUTORY VIOLATIONS A. Failure to XXXX a Reasonable Investigation 15 U.S.C. 1681s-2 ( b ) ; 1681i ( a ) XXXX failed to conduct a lawful investigation after receiving notice of dispute, instead engaging in a superficial confirmation of a public recordconduct repeatedly held unlawful by federal courts. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) B. Failure to XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) Upon notice of identity theft, XXXX was legally required to block the reporting unless it could affirmatively establish the information was not identity-theft related. It failed to do so. 



XXXX XXXX and/or Negligent Noncompliance 15 U.S.C. 1681n, 1681o By continuing to verify inaccurate information after notice, XXXX exposed itself to : Statutory damages Actual damages Punitive damages Costs and attorneys fees XXXX. DAMAGES As a direct and proximate result of XXXX conduct, I have suffered : Credit denials and adverse credit decisions Reputational harm Emotional distress Loss of financial opportunity V. DEMAND TO CURE To avoid litigation, XXXX must within XXXX ( XXXX ) days : XXXX. Permanently delete and suppress the bankruptcy case from all consumer reports ; XXXX. Notify TransUnion and any downstream users to remove the entry ; XXXX. Provide written confirmation of compliance ; XXXX. Disclose the specific investigative steps taken, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

VI. NOTICE OF LITIGATION Failure to fully comply will result in the filing of a civil action in federal court, seeking all available relief under the Fair Credit Reporting Act and related laws. No further notice will be provided. 



XXXX. PRESERVATION OF EVIDENCE You are hereby instructed to preserve all documents, communications, policies, investigation records, and electronic data related to my credit file and the bankruptcy verification, as litigation is reasonably anticipated. 



GOVERN YOURSELVES ACCORDINGLY All rights are expressly reserved. 



XXXX XXXX XXXX Intended Plaintiff

Company response to consumer: Closed with explanation