Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Subject : Dispute of Bankruptcy Record on My Consumer Report To Whom It May Concern, I am writing to formally dispute the bankruptcy information that appears on my consumer report from LCI.

Upon reviewing my report, I found that the bankruptcy record associated with my name contains inaccurate and/or outdated information. 
Disputed Bankruptcy Details : - Type : XXXX  XXXX Bankruptcy - Status : Discharged - Date Filed/Reported : - XXXX : XX/XX/year> - XXXX  : XX/XX/year> - XXXX : XX/XX/year> - Reference Number : - XXXX : XXXX - XXXX : XXXX - XXXX : XXXX - Closing Date XXXX - XXXX : XX/XX/year> - XXXX  : XX/XX/year> - XXXX : ( Missing/Incorrect ) - Court Name : - XXXX : U.S. Bankruptcy Court - XXXX : XXXXXXXX XXXX XXXX XXXX XXXX - XXXX : Federal ( Incomplete/Incorrect Listing ) This bankruptcy information is inaccurate and should be removed or corrected. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or outdated information. 
I request an immediate investigation into this matter and either verification or deletion of this record from my consumer file. 

However, I have confirmed that the XXXX XXXXXXXX Bankruptcy Court **does not report bankruptcies to credit reporting agencies**, meaning the information appearing on my report was **not provided by the court itself**. This makes the entry **unverifiable, inaccurate, and in violation of federal law**. 
Under the **Fair Credit Reporting Act ( FCRA ) ** and **federal law**, all information on a consumer 's credit report must be **accurate, verifiable, and reported by an authorized entity**. Since the Georgia XXXX Bankruptcy Court does not report bankruptcies to credit bureaus or other third-party data providers, the inclusion of this information on my report is **a clear violation of my rights and must be removed immediately**.

Additionally, I am invoking my rights under the following federal statutes : - **15 U.S.C. 6802** - Prohibits unauthorized disclosure of financial information.

- **15 U.S.C. 1681e** - Requires consumer reporting agencies to ensure the maximum possible accuracy of information.

- **15 U.S.C. 1681b** - Limits who may access a consumer report and for what purpose.

- **15 U.S.C. 1681q** - Prohibits obtaining consumer information under false pretenses.

- **15 U.S.C. 1681c-2** - Grants consumers the right to block fraudulent information from appearing on their credit reports.

- **18 U.S.C . 1028A** - Criminalizes identity theft and the misuse of personal information. 
Because this bankruptcy information was not reported by the court and is therefore **unverifiable**, its presence on my credit report constitutes a **violation of my rights under the above statutes**. If this information is not removed, I will have no choice but to escalate this matter by filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and other relevant authorities.

I request that this bankruptcy entry be deleted from my credit file **immediately**, as required by law, and that I receive a written confirmation of its removal. 
Please conduct an immediate investigation and provide written confirmation of the results. I have enclosed a copy of my **identification** and a copy of my **credit report with the inaccurate information highlighted** to assist in your review. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe of **30 days** from the receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation