Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I am filing this complaint because LCI Consumer Center and the national credit reporting agencies ( XXXX XXXX, and XXXX ) are unlawfully reporting a bankruptcy record on my credit file. This reporting is inaccurate, incomplete, unverifiable, and in violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

1. Violation of Consumer Privacy and Rights Under 15 U.S. Code 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for privacy.

By publishing unverifiable and incomplete bankruptcy information, the agencies have violated my right to privacy and caused reputational and financial harm. 

XXXX. Inaccurate and Incomplete Bankruptcy Reporting The bankruptcy in question was filed on XX/XX/XXXX and XXXX on XX/XX/XXXX in the U.S. Bankruptcy Court, District of New Jersey ( Case Reference : XXXX ). 

Bankruptcy courts have confirmed they do not furnish data directly to credit bureaus. Instead, third-party vendors scrape incomplete public record data and transmit it to the agencies. 

This practice is unreliable and violates FCRA 1681e ( b ), which requires the use of the maximum possible accuracy standard. 

XXXX. Conflicting and Misleading Reporting Across Bureaus XXXX and TransUnion list the bankruptcy as a negative discharged bankruptcy. 

Equifax shows inconsistent and incomplete data, failing to reflect status entries. 
The record is missing critical identifying details required by Metro 2 standards, including : Plaintiff/creditor name Case-specific details Verified source of data This inconsistency proves the record is unverifiable, misleading, and unreliable.

4. Metro 2 Compliance Failures Federal law requires that public records meet strict data field and verification requirements before being reported.

The bankruptcy record in my file fails Metro 2 minimum standards, because it lacks mandatory identifying information and is not verifiable. 

Continuing to report this information constitutes willful non-compliance under FCRA 623 ( a ).

5. Legal Violations and Civil Liability Under FCRA 1681n ( willful noncompliance ), agencies that fail to comply may be liable for statutory damages of {$100.00} {$1000.00} per violation, in addition to actual damages, attorneys fees, and costs.

Under FCRA 1681o ( negligent noncompliance ), negligent reporting that causes consumer harm also creates liability.

I have already notified the CFPB, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission of these violations.

Harm Caused to Me This unlawful reporting has caused significant financial and personal harm, including : Credit Score Damage : My credit scores are negatively impacted by the inaccurate reporting of a discharged bankruptcy.

Reduced Access to Credit : The bankruptcy notation makes it more difficult to qualify for major loans ( auto, mortgage, personal loans ).

Employment Risk : Certain employers review credit reports as part of the hiring process, and this inaccurate record could affect job opportunities.

Emotional Distress : Knowing that my credit file contains false and unverifiable information has caused stress, anxiety, and reputational injury.

Additionally, failure to remove this unverifiable bankruptcy increases the risk of mixed or merged files, creating even more inaccuracies in my financial profile. 

Steps I Took to Resolve This On XX/XX/XXXX, I formally disputed the bankruptcy record with LCI Consumer Center and the credit bureaus. 

My dispute letters explained in detail that the record is unverifiable, inconsistent, and incomplete. 

I also included copies of my government-issued identification and Social Security card for verification purposes, with instructions to purge these documents after use ( per 16 CFR 682.3 ).

Despite my disputes, the inaccurate bankruptcy reporting remains on my credit file. 

Desired Resolution To resolve this matter, I respectfully request the following : Permanent deletion of the disputed bankruptcy record from my credit reports with all bureaus. 

Updated copies of my corrected credit reports mailed to me once the deletion is completed. 

Assurance that my personal identification documents are not retained, stored, or shared by LCI or the credit bureaus.

Full compliance with FCRA an

d Metro 2 standards to prevent further unlawful or negligent reporting.

Conclusion I want to emphasize that continued publication of unverifiable and incomplete data is unlawful under federal law. If this matter is not resolved, I am prepared to seek relief in small claims court and/or federal court, where I may be entitled to statutory and actual damages, attorneys fees, and costs. 

I am submitting this CFPB complaint in good faith, seeking immediate corrective action and the protection of my rights as a consumer.

Company response to consumer: Closed with explanation