Consumer complaint received 2023-05-18
Company: Kikoff Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : URGENT Request for Immediate Removal of Late Payment Entry - Account Number : XXXX Dear Kick Off Lending, I am writing to you with utmost urgency and deep concern regarding the presence of a late payment entry on my credit report associated with my account, Account Number : XXXX. I demand, in no uncertain terms, the immediate removal of this damaging entry within the next 7 days. 

The inclusion of this late payment entry on my credit report is an egregious misrepresentation of my financial responsibility and jeopardizes my ability to obtain credit. I can not stress enough the gravity of this matter, as it directly affects my pursuit of a mortgage and other crucial financial endeavors. 

I want to be unequivocally clear : this late payment entry is not a reflection of my financial character or my commitment to meeting my obligations. It is an isolated incident, an anomaly amidst a history of responsible financial conduct. The impact of this entry on my creditworthiness is unwarranted, unjust, and wholly unacceptable.

I demand that Kick Off Lending immediately conduct a thorough investigation into my account and take swift action to rectify this detrimental situation. It is imperative that you promptly remove this late payment entry from my credit report, restoring the accuracy and integrity of my credit history.

I am well aware of the rights and protections afforded to consumers under the Fair Credit Reporting Act ( FCRA ). Kick Off Lending 's failure to expeditiously address and resolve this matter constitutes a blatant violation of its obligations under the FCRA. I will not tolerate such disregard for my consumer rights and the damaging consequences it has imposed upon me.

I insist that Kick Off Lending provides written confirmation within the next 7 days, unequivocally stating that the late payment entry associated with my account, Account Number : XXXX, has been entirely expunged from my credit report. Anything less than your immediate action to rectify this injustice will leave me with no choice but to pursue all available legal avenues to seek redress and hold Kick Off Lending accountable for its actions.

Furthermore, I implore Kick Off Lending to thoroughly reassess its internal procedures and safeguards to prevent such gross missteps from recurring in the future. Your customers deserve transparent and ethical treatment, along with accurate reporting that upholds their financial well-being and integrity.

I expect and demand the utmost urgency in addressing this matter and an expeditious resolution that fully restores my creditworthiness. Failure to comply within the specified 7-day timeframe will compel me to escalate this matter publicly, share my grievances widely, and seek legal recourse to safeguard my rights and financial future.

I eagerly await your prompt response and the immediate removal of the late payment entry associated with my account, Account Number : XXXX. Time is of the essence, and any delay or indifference on your part will be met with the full extent of legal action and public exposure. 

Sincerely,

Company response to consumer: Closed with explanation