Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am filing this complaint because LCI Consumer Center has been identified by XXXX  as the furnisher of a federal bankruptcy record that is inaccurate, unverifiable, and has no lawful connection to me. The supposed bankruptcy with filing date XXXX XXXX XXXX and reference number XXXX appears on page 3 of the uploaded file, yet LCI has never provided any certified documentation proving that this record belongs to me. In fact, when I filed a previous CFPB complaint, LCI responded by stating that the matter does not belong to their company and that they are not the appropriate party to address the issue. That response alone proves the data being reported under LCIs name is not valid and should never have been furnished to any credit bureau.

LCI has failed to provide the basic mandatory elements required for reporting any public bankruptcy record. There are no certified court documents, no docket number, no case file, no matching identifiers, and no legal source information connecting this filing to my consumer identity. The bankruptcy being reported was dismissed, carries zero liability, shows no asset amount, and contains no exempt amount, which is impossible under XXXX public record standards. The record shown on page 3 contains incomplete fields, missing How Filed data, and non matching identifiers, all of which make this item structurally impossible to validate. 

XXXX  has already deleted this same bankruptcy due to lack of verification. XXXX  has never reported it at all. The only bureau still publishing this information is XXXX, and XXXX identifies LCI as the furnisher. Since LCI denies ownership of the record and can not verify anything about it, this creates both a factual error and a compliance violation. Furnishing or allowing the continued reporting of inaccurate or unverified information violates FCRA 623 a 1 A and FCRA 1681e b, which require maximum possible accuracy and proper certification of all furnished data. LCI has not met these requirements.

LCI also has not issued any correction to XXXX  even after stating that the information does not belong to them. Because XXXX  continues to rely on LCI as the furnisher, LCIs failure to correct the record allows the inaccurate bankruptcy to remain on my file. This has caused ongoing harm to my credit, financial standing, and ability to access fair credit opportunities.

At this point LCI has failed to verify, denied responsibility, and produced no lawful evidence supporting the public record. The continued reporting of this bankruptcy is unlawful because it can not be tied to any certified or verifiable source.

I am asking the CFPB to require LCI to immediately delete all information furnished about the bankruptcy dated XXXX  XXXX XXXX reference XXXX and to formally notify XXXX  of the correction. If LCI is not the furnisher then they must correct XXXX records so that their name is removed as the reporting source. My credit file must reflect only information that is accurate complete and verifiable according to federal law.

Company response to consumer: Closed with explanation