Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LCI Acquisition Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I emailed LCI ( Lundquist Consulting Inc ) inquiring about the steps I need to take to freeze my credit report, as well as how to obtain a copy of my consumer report. no response. 
Then on XX/XX/2023 I emailed LCI ( Lundquist Consulting Inc ) Requesting to opt out of any credit reporting done with my personal information. along with an attachment of my proof of identification, which was my identification card and SS card. Also following the email response they also sent me a letter via mail stating the same response to my email request. To my surprise I was emailed on XX/XX/2023 From LCI Stating that the information they obtain is available through publicly available bankruptcy records which means the records contain information that is available to the general public from bankruptcy courts.

My first argument is I asked LCI to provide me my consumer report to freeze my consumer report. I never asked them to verify accuracy, amendments, or deletion of my data, I simply wanted them to provide me my consumer report about information they have about me.

Another issue is they stated that if I would like a copy of my report or freeze my report please contact XXXX consumer bureau. Why would I contact XXXX for my credit report when I am asking for my consumer report from LCI? LCI and XXXX are 2 different different companies, with 2 different addresses, and 2 different contact phone information. I've already contacted XXXX for my credit report and received my credit report from them. Im not interested in freezing my XXXX report. Upon receiving my credit report. I seen that XXXX states that LCI is furnishing the public record information on my credit file. So if LCI is housing any information on my consumer profile pertaining to me then I have the rights to know what is being reported on me, and the right to request my consumer profile. 

How is it that XXXX has the right to receive information about from LCI but me the consumer to whom the information pertains to does not have the rights to receive information? I should have the right to know what is being reported on me so that I can check for accuracies or inaccuracies.

In addition LCI obtained public records information on me from publicly available bankruptcy records. I never gave LCI permission to furnish my personal information to XXXX or any where else. 


1681g of the Fair Credit Reporting Act ( FCRA ) requires that every consumer reporting agency shall, upon request... Provide you with a copy of your credit report as long as you provide the credit bureau with proper identification. If a bureau refuses to send you your credit report, you are entitled to sue that bureau for damages in federal court. 

According to 15 USC 1681 Section 602A States that I have the right to privacy.

According to 15 USC 1681 Section 604A. Section 2. States a consumer reporting agency can not furnish a account without my written instructions LCI ( Lundquist Consulting Inc ) is housing information on me. I request that LCI please send me a copy of my consumer report.

Company response to consumer: Closed with explanation