Consumer complaint received 2024-02-19 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: CA

Complaint narrative:
I have repeatedly disputed a bankruptcy being erroneously reported on my credit report by XXXX. XXXX repeatedly and falsely ( lies ) and states that the bankruptcy has been verified by the data furnisher. The data furnisher is LCI. This company is pulling public records that dont include a full social Security number and are using addresses to match and then feeding the credit bureaus who then match it to a file. Upon contacting the bankruptcy court and pacer to dispute the bankruptcy in question, both entities responded that they do not verify with any third-party, including the credit bureaus. 

I have also made an attempt to contact LCI and dispute the information directly with them. This was their response : To whom it may concern ; We have received your request to freeze your credit and/or to opt out of any credit reporting that LCI may control. 

Please note, LCI provides bankruptcy information to XXXX, which it obtains from publicly available records throughout the United States. While LCI may provide information to XXXX. a Credit Reporting Agency ( CRA ), LCI is not a Credit Reporting Agency. Since LCI is not a CRA, it is unable to place a credit freeze on credit reports. If you would like to a freeze your credit, please contact all three of the nationwide credit reporting agencies XXXX, XXXX, XXXX to request a credit freeze. 

If you feel that bankruptcy information appearing on your credit report has been incorrectly matched to your XXXX credit report, you must contact XXXX as LCI does not match bankruptcy information to consumer credit files for XXXX. As stated above, since LCI is not a CRA and only provides the bankruptcy to XXXX, LCI also does not determine the usage of bankruptcy information in connection with a consumers credit score. 

To dispute the completeness or accuracy of the bankruptcy information provided by LCI to XXXX, you may submit a letter of dispute to LCI identifying the specific information being disputed, the basis for the dispute, and including all supporting documentation to substantiate the basis of the dispute. You may contact LCI at : LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX or by phone at XXXX, Monday Friday between XXXX XXXX  and XXXX XXXX XXXX time. 

Upon receipt, LCI will conduct an investigation with respect to the disputed information and review all relevant information provided. If LCI determines that the bankruptcy information provided to XXXX was inaccurate, LCI will provide corrected bankruptcy information to XXXX. If you believe there are other inaccuracies in your credit report outside of the bankruptcy information, you must contact XXXX to address those inaccuracies. 

If LCI determines that the bankruptcy information provided to XXXX is accurate and you continue to dispute that information, LCI will provide notice of that dispute- if we provide any future bankruptcy information about you to XXXX. 

If you indicated that LCI does not have your permission to share, obtain or store your credit information, as stated previously LCI only has bankruptcy information, which it obtained from publicly available records and permission is not required to obtain publicly available information, nor is LCI required to obtain permission to share or store this publicly available information under applicable federal law or regulation. 

Thank you, XXXX LCI has been lying about not being a CRA for years, and gotten sued right and left for it : Legrand v. IntelliCorp Records , Inc., No. 15-cv-2091 ( N.D. Ohio ) - an FCRA class action, alleging LCI committed violations as a consumer reporting agency. LCI had to pay {$1.00} XXXX to settle. 

Roe v. IntelliCorp Records , Inc., 12-cv-2288 ( N.D. Ohio ) - an action alleging violations of FCRA sections 1681k and 1681 ( e ) ( b ). XXXX had to pay over {$18.00} XXXX to settle the suit. 

LCI is deliberately and willfully violating the law.

It does not matter if LCI is a CRA or not. If it is providing data to XXXX, it MUST be in compliance with the FCRA, adhere to the Credit Reporting Resource Guide and XXXX  business practices and policies. 
XXXX XXXX XXXX XXXX XXXX is reporting data it obtained from a company who isnt FCRA compliant then XXXX wouldnt be FCRA compliant. 

Neither court or pacer report to or verify accuracy of info to 3rd party companies and the existence of the info is not evidence or verification and cant be used to verify who it belongs to. XXXX has never contacted the court as they will not verify any information. 

No other bureaus are reporting this erroneous bankruptcy on my credit reports, only XXXX.

Company response to consumer: Closed with explanation