Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of bankruptcy information on my credit report, which falsely claims verification by the courts. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws, I demand the immediate removal of this information, full disclosure of the verification process, and correction of any related inaccuracies, including late payment notations. Your agencys failure to comply with federal law has violated my consumer rights, and I am prepared to pursue all available legal remedies if this matter is not resolved promptly.

Violations of the Fair Credit Reporting Act ( FCRA ) Unauthorized Furnishing of Information ( 15 U.S.C. 1681b ) Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may not furnish a consumers credit information without a permissible purpose or my written consent. I have not provided written instructions authorizing your agency to report or share any bankruptcy information, nor has any exchange of credit occurred in relation to this matter. Your reporting of this information without my consent is a direct violation of my right to privacy as outlined in 15 U.S.C. 1681, Section 602.

Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) Pursuant to 15 U.S.C. 1681e ( b ), your agency is obligated to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The bankruptcy information listed on my credit report is inaccurate, as neither the courts nor the Public Access to Court Electronic Records ( PACER ) system have documented any such filing. Furthermore, your agency has failed to provide any verifiable evidence supporting this claim, despite my prior requests for full disclosure of the verification process.

Lack of Proper Verification and Disclosure I have repeatedly requested detailed documentation regarding the source and verification of the reported bankruptcy information, including the name, address, phone number, and identity of the individual or entity that allegedly verified it. Your agency has not provided this information, nor was I given written notice before this information was published on my credit report. This failure constitutes a violation of my rights under the FCRA to challenge the accuracy of reported information and receive transparent disclosure. Additional Legal Grounds for Dispute Doctrine of Estoppel by Silence As established in Engelhardt v. Gravens, XXXX S.W. XXXX, XXXX ( Mo. XXXX ), under the Doctrine of Estoppel by Silence, your agencys failure to provide proof of the alleged debt or verification of the bankruptcy information allows me to presume that no such debt or bankruptcy exists. Your silence in response to my requests for verification further supports the removal of this information from my credit report. 
Violation of Permissible Purpose ( 15 U.S.C. 1681b ) I demand that you provide the specific permissible purpose under which my bankruptcy information was accessed and reported. Without a valid permissible purpose, your actions are unlawful and subject to penalties under the FCRA.

Demands for Resolution In accordance with my rights under the FCRA and other applicable laws, I demand the following : Immediate Removal of Inaccurate Information : Delete the bankruptcy information and any related late payment notations from my credit report, as they are unverified, unauthorized, and inaccurate. 
Full Disclosure of Verification Process : Provide a detailed written explanation of the methods used to verify the disputed information, including the name, address, phone number, and identity of the person or entity that allegedly verified it, as well as any supporting documentation. Notice of Potential Legal Action Your agencys failure to comply with the FCRA and other cited laws constitutes a willful violation of my consumer rights. Should this matter not be resolved satisfactorily within 4 days of receipt of this letter, I reserve the right to consult with an attorney specializing in consumer protection and credit reporting laws to pursue all available remedies, including but not limited to damages, attorneys fees, and injunctive relief as provided under 15 U.S.C. 1681n and 1681o. I sent this letter by mail on XX/XX/XXXXXXXX  and filed a complaint with CFPB on XX/XX/XXXXXXXX  was never giving name, number, email, address or person who verified this information was never given a disclosure before place on my credit report they never answer the mail or the phone or respond to emails but I have kept detailed notes. Subject : Demand for Correction of Credit Report Violations Dear Compliance Department I am writing to formally address serious violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, which governs the permissible purposes for which consumer reporting agencies may furnish consumer reports. 

It has come to my attention that my credit report has been adversely affected by information that was reported without my knowledge or consent. I have not provided written instructions for any entity to access my consumer report, nor have I received the required disclosures regarding the sharing of my information. Therefore, I assert that any such reporting is unauthorized and in violation of the FCRA. 

Furthermore, I am a victim of identity theft and was involved in the XXXX  data breach. The only legitimate credit accounts I maintain are with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Hence, any collections, inquiries, or accounts listed on my credit report from other entities are fraudulent. It is unacceptable that these inaccuracies continue to appear on my report, especially since my disputes have been met with unverifiable confirmations, which I contend to be false. 

The following points outline my grievances and demands for resolution : 1. * * Unauthorized Reporting * * : No entity has my consent to furnish information regarding my credit, including late payments or any collections, and addresses 2. * * Fraudulent Information * * : I require the immediate removal of all fraudulent accounts, inquiries, and any erroneous names or addresses from my credit report.

3. * * Violation of Disclosure Requirements * * : I have not received the three required disclosures before my information was shared, which constitutes a breach of the FCRA.

4. * * Compensation for Violations * * : I am seeking {$1000.00} for each violation of the FCRA, as well as reimbursement for any legal fees incurred due to this matter.

I sent a copy of all fraudulent inaccurate things on my credit and nothing was corrected. It not fair or 100 accurate. 

I demand that you rectify these issues within five ( 5 ) days of receipt of this letter. I have kept meticulous records of all correspondence, including certified delivery and notarized documentation, so please do not claim that this letter was not received.

I am hereby invoking my right to cease and desist all communication regarding this matter unless it adheres strictly to legal protocols as outlined in the FCRA. Failure to comply will leave me with no option but to pursue further legal action to protect my rights. 

Thank you for your immediate attention to this pressing matter.

Company response to consumer: Closed with explanation