Product: Credit reporting or other personal consumer reports

Thank you for your response. However, I disagree with your conclusions and would like to formally rebut the claims made in your email. Please find my response below. 

To whom it may concern, This is my formal rebuttal to Kikoff 's response. 

Their claim that I chose to pause my account rather than close it is both inaccurate and misleading. I want to make it clear : I explicitly stated my desire to cancel and close both accounts not to pause them. It is on record that I asked for the accounts to be closed in XX/XX/XXXX, and I was firm about that decision. If one account was closed and the other paused, that was their internal mishandling, not my intent and that inconsistency needs to be addressed. 

At the time, I had two active Kikoff accounts : One where I was paying XXXX XXXX  Another where I was paying XXXX XXXX To date, I have not received the {$30.00} I paid in the final month when I believed both accounts were closed. If one account was indeed closed and the other continued running under pause status without my consent then why wasnt I informed of that? Why would I cancel XXXX and not the other, when my communication was clear and consistent? 

Furthermore, in XX/XX/XXXX, after following up and expressing my confusion about the continued reporting, I was verbally assured by a Kikoff representative that : Both accounts would be closed, and All derogatory remarks would be removed from my credit report That promise has not been honored. 

Kikoff also claims that I was informed of grace periods and missed payments. I demand they provide documentation of when and how I was notified of : The account being resumed in XX/XX/XXXX Any due payments The existence of a grace period Any account communication between XXXX and XXXX I received no emails, no letters, and no alerts warning me that an account I believed to be closed was back on, nor was I warned about the credit impact of continued billing. 

As for their dispute feature, I submitted several disputes as advised by Kikoff, and no action was taken by any creditors, nor did my credit improve as promised. I was led to believe that using this product would yield credit score improvements, which never materialized even after the 90-day window they claimed it would take. Thats when I chose to cancel. But instead of closing my accounts as requested, they pushed me to pause, even after I made it clear I wanted no further involvement. 

Lastly, how is it logical that one account was closed and the other paused if I asked for both to be closed in the same call? Their response only proves their inconsistency and failure to respect a consumers clear directive. 

I am again requesting the following : Full deletion of the Kikoff tradeline ( s ) from all credit bureaus A refund of the final {$30.00} paid across the two accounts in XXXX Written explanation of why they ignored my closure request and failed to notify me of payment resumption This is not just a customer dissatisfaction issue this is misrepresentation, poor record keeping, and harmful reporting of an account I actively tried to exit. If Kikoff can not provide documentation of my consent to keep the account open past XX/XX/XXXX, they are reporting information without authorization. 

Respectfully, XXXX XXXX XXXX