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Business Profile

Financial Consultants

LCI

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 28 total complaints in the last 3 years.
  • 7 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:05/31/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    These entries are inaccurate and violate the Fair Credit Reporting Act (FCRA), specifically [15 USC 1681e](b). It is your legal obligation to ensure the accuracy of the information you report.Additionally, under [15 USC 1681b](a)(2), you have disclosed my private and confidential information without my consent, infringing upon my rights as outlined in [15 USC 1681](a)(4).I expect these inaccuracies to be deleted from my consumer file without delay. Failure to comply will result in legal action to protect my rights and seek appropriate remedies.These actions are classified as Aggravated Identity Theft under [18 USC 1028A](a)(1), a felony that carries severe penalties including up to two years of imprisonment and civil liabilities. I am entitled to the following compensations:1 Permissible purpose - $1,000 2 Defamation of character - $1,000 3 Damaged reputation - $1,000 4 Damaged creditworthiness - $1,000 5 Damaged mode of living - $1,000 6 Infringed right to privacy - $1,000 Immediate action to rectify these issues is expected.Yours sincerely,***** *******

  • Initial Complaint

    Date:03/12/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Dear LCI

    I am writing to formally dispute the furnishing of unverifiable information regarding my bankruptcy status that has been provided by your company. I have not given permission for ********** to share any information regarding my bankruptcy, and I believe that your actions are in direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. § 1681b.

    As a consumer, I have the right to control the dissemination of my personal information, including sensitive financial data such as bankruptcy records. I am particularly concerned that this information has been provided to unauthorized parties, which could result in potential harm and financial repercussions.

    I request that you promptly investigate this matter and verify the legitimacy of the information you have reported. If you are unable to confirm the accuracy of this information, I demand that you remove it immediately from your records and cease any further distribution of my personal information.

    Please provide me with a written response regarding the outcome of your investigation within the timeframe required by law. I have also attached any relevant documentation that supports my dispute.

    Thank you for your immediate attention to this serious matter. I look forward to your prompt response.

    Sincerely, Antoinette G****

  • Initial Complaint

    Date:09/29/2024

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I, ********: ******, trustee of ******************************************, file this complaint on behalf of ******** ******, the beneficiary of the trust, against *********************************. (LCI) for their erroneous & fraudulent reporting of a Maryland bankruptcy case (USBK COURT MARYLAND# *******), which has been wrongfully associated with ******** CARTERs personal credit records. This false information was sold to **********, causing significant financial & reputational harm to the trust and its beneficiary. ******** ****** has previously filed an *** ** Theft Report, which includes the fraudulent Maryland bankruptcy item. ****, 15 U.S.C. 1681c-2 says, once a consumer provides an identity theft report, the furnisher of the fraudulent information & the *********************** are legally obligated to block and remove the fraudulent information in 4 days from consumers credit file. Despite this legal requirement, the erroneous bankruptcy item has not been removed from ******** CARTERs credit report.LCI erroneously matched a MD bankruptcy case to ******** CARTERs personal identity. This false information was then reported to **********, resulting in an inaccurate bankruptcy entry on her credit report. ******** ****** has never filed for bankruptcy, and this error continues to harm her financial standing LCI failed to comply with Rule 9037 of the Federal Rules of Bankruptcy Procedure, which mandates the protection of personal information in bankruptcy filings. Their actions have violated ******** CARTERs privacy rights, & my fiduciary duty as trustee to protect her from such harm. Despite ******** CARTERs timely filing of an FTC ** Theft Report, which specifically lists the fraudulent bankruptcy entry, LCI and ********** have not fulfilled their legal obligation under the **** to remove and block the inaccurate information. This is a direct violation of 15 U.S.C. 1681c-2, which mandates that such information must be removed immediately upon receipt of the ** theft report.

  • Initial Complaint

    Date:08/29/2024

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am filing a complaint against ********** and LCI, Inc., now known as ** **** ***********, for their inaccurate reporting of a bankruptcy on my credit report. On June 17th, 2022, I filed for bankruptcy under Case Number ************* However, this bankruptcy was voluntarily dismissed on October 18th, 2022, due to misguided legal advice. Despite the dismissal and the fact that the bankruptcy court sealed the case, ** **** *********** has continued to verify and report this information to **********, resulting in its inaccurate presence on my credit report.

    I contacted ** **** ***********, and they informed me that they have no fax number, email, or mailing address to receive disputes or requests. They also claimed that they do not verify information, yet continue to report this inaccurate data to **********. This lack of transparency and refusal to provide proper contact information is alarming and raises serious questions about the legitimacy of their verification process. Furthermore, ** **** *********** is owned by **********, which suggests a conflict of interest and a breach of my data privacy rights under the Fair Credit Reporting Act (FCRA).

  • Initial Complaint

    Date:08/11/2024

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    (LCI) because the provider of bankruptcy, Public records information to TransUnion, provides information to TransUnion consumer credit files. I did not give (LCI) oral or written consent for there company to share my credit file or my personal information to TransUnion. LCI, im requesting that you opt- out my credit file, personal information from your Data Base.

  • Initial Complaint

    Date:07/30/2024

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have been trying to have the company delete my data from their servers but the online page is not working. I tried calling and they don't answer. Please delete all of my data and email me with confirmation to *************************

  • Initial Complaint

    Date:07/26/2024

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Contacted Verisk Financial aka LCI about reporting an invalid bankruptcy to ********************* and didnt receive any documents or validation of these claims also requested that they put a security freeze on my file and nothing has been done

  • Initial Complaint

    Date:04/26/2024

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On March 11 2024, I sent a letter to the bankruptcy courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating that They do not report any bankruptcies or update information to the credit bureaus. So if thats the case, How did the credit bureaus verify my bankruptcy as 100% Accurate? They never did a fair investigation according to the 15 U.S.C ******* U.S.C 1681 section 603 (3)(E) States; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.They violated my rights numerous times.The credit bureaus violated my given rights under 15 U.S.C 1681.According to: 15 U.S.C 1681 section 602 A. States I have the right to privacy.According to: 15 U.S.C. 1681 Section 604 A Section 2: It also statesca consumer reporting agency cannot furnish a account without my written instructions According to: 15 U.S.C 1681s-2(A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Remove Chapter 7 Bankruptcy

  • Initial Complaint

    Date:02/15/2024

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have contacted LCI on Jan 11,2024.I allowed them to know that in there records my name was reported to the credit bureau for 2 bankrupties I never applied or open any bankruptsy...I have supplied documents from the Bankruptsy court as well as letters from ***** Nexis that the bankrupties arent mind.Im asking this company to immediately remove these off my name and credit report.

  • Initial Complaint

    Date:08/16/2023

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    August 2, 2022, I downloaded a letter from courthouse website stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100% Accurate. They never did a fair investigation according to the 15 USC ****. 15 USC **** section 603 (3)(E) States; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC ****. According to: 15 U.S.C **** section 602 A. States I have the right to privacy. According to: 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions According to: 15 U.S.C. ****s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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