Consumer complaint received 2023-07-15
Company: Kikoff Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit files with the credit bureaus, there was some inaccurate information being reported against me. I believe that I am a victim of identity theft because the account ( # XXXX ) is not associated with and does NOT belong to me. 
My full legal name is XXXX XXXX XXXX. I have gone by XXXX XXXX XXXX or just XXXX XXXX. Those are the only names Ive used when applying for credit or in my personal life. My current address is : XXXX XXXX XXXX XXXX  XXXX MO XXXX and I have been here since XX/XX/XXXX ( 4yr 6mo ) ; previously stayed at a friends house located at XXXX XXXX XXXX XXXX MO XXXX ( 1yr 7mo ) ; and prior to that my home was XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MO XXXX XXXX XXXX to XXXX ( 15yr ). I filed bankruptcy XX/XX/XXXX and because the home I owned was in foreclosure proceedings, its ownership transferred back to the bank. Again, I moved from this address in XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. To establish validity and a clear timeline of events, in XXXX when this account was opened and credit extended/ granted, I was not living at XXXX XXXX XXXX XXXX. It has now been 7 years since that was my home. The places Ive resided at can be verified several ways thru address changes at USPS, voter registrations, personal property assessments, tax returns filed and employment verifications. My primary and only phone is cellular ; the number is XXXX. My state ID was renewed and issued XX/XX/XXXX. I am including copies of my drivers license, assessment department address change completed in XXXX as well as XXXX personal property tax receipt proving current address. I work at XXXX XXXX as a XXXX XXXX XXXX and am enclosing a photocopy of my employee ID to corroborate my current employment. 
In regards to the above referenced account, it is not mine/ does not belong to me. I NEVER benefited or received any merchandise, products, or items including lines of credit, loans, or finances and NEVER signed for or accepted any goods or services since I did not conduct business with KIKOFF LENDING LLC. According to the voice recording at phone # ( XXXX ) XXXX, KIKOFF LENDING LLC specifically caters to borrowers of covered military/ armed forces. I have never served or been in the military/ armed forces. I am not even sure what type of account was fraudulently opened in my name. Currently the account is in good standing, however, what could prevent whoever opened it to borrow against the line of credit or use the credit/ charge card leaving a balance that would negatively impact me? Im not just trying to protect myself, Im trying to protect your company/ business from any further fraudulent activity in relation to this account. It was NOT me who applied for credit with KIKOFF LENDING LLC. 
Please supply the address where the loans/ lines of credit were opened and purchases took place or where items/ products were shipped to? Where was the credit/ charge card mailed to because I never received or used it? Arent creditors supposed to verify income and job and position/ title? What employment and salary information was given including home address and phone number at time of application when this fraudulent account was opened and credit was extended/ granted? Was there a photo id or signature verification provided? Was it done in-store/ in-person or online? What email address was given? How are applicants qualified/certified and credit decisions confirmed/ substantiated? Id like some answers. 
I submitted an Identity Theft Report through the Federal Trade Commission ( FTC Report Number XXXX ) and will be in contact with the Consumer Financial Protection Bureau. 
I am disputing the FULL account in its entirety. I request that you prove this account is mine or PLEASE delete/ remove this from my credit report/file immediately. 

Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation