topic Re: Transunion now using LCI instead of Lexis Nexis in Bankruptcy

Transunion now using LCI instead of Lexis Nexis

MyDataMyChoice — Sun, 30 Dec 2018 00:28:52 GMT

https://www.transunion.com/legal/public-records

For bankruptcy public records collected after November 30, 2018, TransUnion obtained information about your bankruptcy from third-party vendor, LCI. LCI may be contacted using the information provided below.

LCI
LCI Consumer Center
P. O. Box 1582
Burlingame, CA 94010
www.lciinc.com

Re: Transunion now using LCI instead of Lexis Nexis

trusty — Sun, 30 Dec 2018 00:35:25 GMT

@MyDataMyChoice wrote:
https://www.transunion.com/legal/public-records

For bankruptcy public records collected after November 30, 2018, TransUnion obtained information about your bankruptcy from third-party vendor, LCI. LCI may be contacted using the information provided below.
LCI
LCI Consumer Center
P. O. Box 1582
Burlingame, CA 94010
www.lciinc.com

Good to know. However, have you figured out how to request a copy of our own consumer report?

Re: Transunion now using LCI instead of Lexis Nexis

pizza1 — Thu, 03 Jan 2019 01:08:25 GMT

I searched that website, and I didn't see anywhere on there that we can freeze our info, ask for a report, etc...

Re: Transunion now using LCI instead of Lexis Nexis

trusty — Sun, 30 Dec 2018 01:02:41 GMT

I'm starting to get tired of all of these hidden credit bureaus that think they're above the law.

If they're publishing consumer data, than they need to provide consumers a copy of the report, period.

Re: Transunion now using LCI instead of Lexis Nexis

Anonymous — Thu, 03 Jan 2019 02:08:29 GMT

And LCI is verifying BQ after Nov 30 2018

Re: Transunion now using LCI instead of Lexis Nexis

Anonymous — Wed, 09 Jan 2019 15:11:41 GMT

https://www.lciinc.com/products/consumerInformationReport.htm

Re: Transunion now using LCI instead of Lexis Nexis

Fx6cowboy — Wed, 09 Jan 2019 16:14:57 GMT

Thanks for the making us aware! It is so disrespectful for these companies to share our information without disclosing to us. Maybe I am jumping the gun here but I’ve just sent LCI a non disclosure request/ credit freeze since the FCRA clearly states any company that shares consumer information must comply with their laws. I will attach what I sent below (do so at your own risk of course)

OP thanks for this information!

(I sent this to their email from their consumer information report page on their website) email: CIR@lciinc.com

Date:

LCI / LCI Consumer Center

P. O. BOX 1582

Burlingame, CA 94010

To Whom It May Concern

I am writing to you to put a security freeze on the disclosure of my credit. Also, I wish to opt out of any credit reporting done within my personal information. Under the Fair Credit Report Act you’re required to comply. I do not give you my permission to disclose my information. My details are below:

Name:
SSN:
Address:
Previous Address:
Primary Contact Number:
Credit details: Anything

I’ve included the following two documents that verify my identity:

Drivers License
Social Security Card

After this credit freeze and non disclosure request has been filed, can you also please send me written confirmation to the address listed above.

Kind regards,

Re: Transunion now using LCI instead of Lexis Nexis

Anonymous — Thu, 10 Jan 2019 03:21:12 GMT

@MyDataMyChoice thanks for the info. Has LCI responded to your email? I also browsed their site and was unable to find any info on how to freeze report. Any updates please keep us informed. Thanks!

Re: Transunion now using LCI instead of Lexis Nexis

MyDataMyChoice — Sat, 12 Jan 2019 01:19:18 GMT

I have sent a few emails about copies of reports/ requesting freezes etc... no avail as of yet.

I will try certified mail.

Re: Transunion now using LCI instead of Lexis Nexis

Fx6cowboy — Sat, 12 Jan 2019 03:00:31 GMT

I literally just got a response from them, see below...

To whom it may concern,

We have received your request for a consumer report and/or credit freeze. LCI is not a Consumer Reporting Agency as defined by the Fair Credit Reporting Act. We do not hold/process/etc. “Consumer Reports” and therefore cannot provide the information requested.

As a courtesy, for your reference we have attached a copy of the Fair Credit Reporting Act (FCRA) and information on how you may request a credit freeze.

If you have any additional questions or concerns, please let us know.

Best Regards.

Sounds like a generic response as an attempt to scare me off. I just sent a complaint to the CFPB, let’s see how this goes. Lol

Re: Transunion now using LCI instead of Lexis Nexis

Anonymous — Sat, 12 Jan 2019 04:29:16 GMT

Keep us posted. This will probably make it hard to dispute a bankruptcy on a persons Transunion report.

Re: Transunion now using LCI instead of Lexis Nexis

Anonymous — Sat, 12 Jan 2019 05:42:16 GMT

.....and that response is exactly why TransUnion switched to them. It’s a legal loophole. Since they are nota CRA the CRA laws don’t apply to them in the same way. It will be years before the laws will catch up to include them.

Re: Transunion now using LCI instead of Lexis Nexis

calyx — Wed, 30 Jan 2019 00:50:05 GMT

@Fx6cowboy wrote:
I literally just got a response from them, see below...

To whom it may concern,

We have received your request for a consumer report and/or credit freeze. LCI is not a Consumer Reporting Agency as defined by the Fair Credit Reporting Act. We do not hold/process/etc. “Consumer Reports” and therefore cannot provide the information requested.

As a courtesy, for your reference we have attached a copy of the Fair Credit Reporting Act (FCRA) and information on how you may request a credit freeze.

If you have any additional questions or concerns, please let us know.

Best Regards.

Sounds like a generic response as an attempt to scare me off. I just sent a complaint to the CFPB, let’s see how this goes. Lol

This is what I got as well (from [Mod edit: Only names of public figures allowed. - KiB]).
I'll send a complaint, too.

Re: Transunion now using LCI instead of Lexis Nexis

Fx6cowboy — Wed, 30 Jan 2019 00:50:31 GMT

That’s interesting. Must be a small office, this “[Mod edit: Only names of public figures allowed. - KiB]” was the person who sent me the response email.

Re: Transunion now using LCI instead of Lexis Nexis

Anonymous — Sun, 20 Jan 2019 15:35:27 GMT

@Fx6cowboy
Have you received a response or status update from the CPFB in regards to your LCI complaint?

Re: Transunion now using LCI instead of Lexis Nexis

Fx6cowboy — Sun, 20 Jan 2019 16:08:09 GMT

Not yet. I will add that when I was looking LCI under company info to make a complaint, the CFPB did not already have them listen. I had to put in the company name, address, and phone number. So maybe they haven’t event contacted LCI yet. But I will post back here as soon as I hear something.

Re: Transunion now using LCI instead of Lexis Nexis

calyx — Tue, 29 Jan 2019 17:22:02 GMT

Interestingly, I woke up to a new email from privacy@lciinc.com this morning:

Hello,

We have received your request to freeze your credit and/or to opt out of any credit reporting that LCI may control. We are researching the opt-out request and will respond with more information.

If you would like to freeze your credit, please contact all three of the nationwide credit reporting agencies – Equifax, Experian, and TransUnion – to request a credit freeze.

Thank you.

Maybe the complaints have worked?

Re: Transunion now using LCI instead of Lexis Nexis

MyDataMyChoice — Tue, 29 Jan 2019 20:37:47 GMT

I too got that email this morning

Re: Transunion now using LCI instead of Lexis Nexis

tpdtopcop — Wed, 30 Jan 2019 14:30:37 GMT

Excuse my ignorance but what Will freezing LCI due? Or freezing anything do? So if I dispute my bk with TransUnion, they will go to LCI to verify and if froze it can’t be verified?

Re: Transunion now using LCI instead of Lexis Nexis

MyDataMyChoice — Fri, 01 Feb 2019 03:14:09 GMT

You cannot freeze LCI

What it does is Stop AUTOMATED verifications