Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX. 

Subject : Response to XXXXnadequate Validation and Notice of Intent to Proceed with Arbitration Account Number : XXXX Dear Kikoff Customer Support, I am writing in response to your email regarding my dispute of inaccurate information reported to credit bureaus and the accompanying documents you provided. After reviewing your response, I have determined that your investigation and validation are insufficient to meet the requirements under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Issues with Kikoffs Response and Documentation Failure to Provide Proper Validation : The payment history document provided does not substantiate the accuracy of the information you reported. A proper validation must include : Specific dates payments were due and made. 
Evidence that the information reported was accurate and not misleading. 
The document fails to meet this standard, making the reported information unverifiable and inaccurate. 
Lack of Adequate Notification : Your email references email reminders, but there is no evidence provided to confirm that these were received or acknowledged. Sole reliance on email, which could be filtered or overlooked, does not meet the standard for proper notification under the FCRA. 
Misrepresentation of Consumer Rights : Your statement that historical activity remains with the bureaus and can not be removed misrepresents my rights under the FCRA. Any inaccurate or unverifiable information must be corrected or removed, regardless of its status as historical. 
Inadequate Investigation : Your investigation appears to rely solely on internal records without conducting a reasonable and thorough review, as required under the FCRA. This does not address the specifics of my dispute or provide evidence of a proper validation process. 
Failure to Apply Grace Periods : Your response mentions a 30-day grace period, but there is no evidence showing this was consistently applied before reporting any alleged delinquencies.

Notice of Intent to Proceed with Arbitration Given Kikoff , Inc.s failure to resolve this matter and its continued violations of my consumer rights, I have no choice but to pursue arbitration as outlined in the Kikoff Credit Account Agreement. A Notice of Dispute will be sent to your legal address : HERE IS THE TRACKING NUMBER FOR CERTIFIED MAIL ( XXXX XXXX XXXX XXXX XXXX ) Kikoff Lending , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX This notice will detail the violations and the relief I am seeking. Arbitration will impose significant costs on your company, including legal fees, arbitration fees, and potential damages awarded. 
I also want to let you know that I have all the evidence I need to substantiate the violations committed by Kikoff Lending against me. This includes documentation of your failure to validate, inadequate notifications, and inaccuracies in your reporting. 
Thank you for your time. I will also be filing formal complaints with the Federal Trade Commission ( FTC ) and any applicable regulatory bodies overseeing Kikoff Lending , Inc., to address your continued violations of consumer protection laws. 

Sincerely, XXXX XXXX