Consumer complaint received 2024-08-22
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. (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is| XXXX XXXX. 
My Social Securite Number 's is XXXX Response to complaint number:XXXX Re : under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) To Whom it may concern.. 

XXXX again claims that the disputed information on these accounts : Account name : KIKOFF LENDING LLC Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to KIKOFF, the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report.

I have paper evidence included in this letter showing that KIKOFF ( YES ) has errors in their reports and the information is not accurate or precise KIKOFF has violated 15 U.S.C. Sec. 1681i ( a ) of the consumer rights and is still reporting inaccurate and different information in each credit bureau.

KIKOFF claims that the account closing date is XX/XX/XXXX but only reports that information to XXXX, not to XXXX or XXXX, I demand that you give me proof of where you get that information to verify that date, and why don't you report it to the other credit bureaus? 
it is my right under the law 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ).

Kikoff claims the last payment date is XX/XX/XXXX in XXXX and XXXX but does not report the last payment date in XXXX, ( attached proof of this ), Kikoff is lying and violating the consumer rights laws ( FCRA ) 15 U.S. Code 1681i ( 5 ).

Under law 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I demand that kikoff show written proof of the process it carried out to determine that this information is accurate and complete as stipulated in the last letter sent, ( I show proof of the letter ).

Kikoff reports the last verification in XXXX is XX/XX/XXXX but does not report the last verification in XXXX or XXXX, under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require kikoff to provide me with written evidence of what method it used to verify the integrity and accuracy of the last verification on this account.

Kikoff reports that the High Balance of the account is XXXX in XXXX and XXXX but XXXX shows ( XXXX ) .this is ( inaccurate information ), under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require kikoff to provide me with written evidence of what method it used to verify the integrity and accuracy of the high Balance on this account. 

kickoff reports the opening date as XX/XX/XXXX in XXXX but shows a different one in XXXX and XXXX XX/XX/XXXX ( show visual evidence ), under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require kikoff to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account.

Kikoff reports to XXXX and XXXX that the Account Rating is paid, but XXXX reports the account is still open, that is erroneous and unverified information, under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require kikoff to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account.

kikoff reports that in the balance due I owe ( XXXX ) $ in XXXX and XXXX but reports that I owe XXXX in XXXX, that is false, that account is closed, I require kikoff to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. I require kikoff to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 

kikoff reports that the Date of Last Activity : in XXXX was XX/XX/XXXX in XXXX reports another date XX/XX/XXXX and in XXXX they do not report the last date of activity, that is erroneous and inaccurate information, I require kikoff to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 


Under the law under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) I have the right to know how Self verified and determined that this account complies with the parameters of the FCRA and NO law IS BEING VIOLATED. I demand that if you can not provide written proof within 15 days after receiving this letter, the information must be removed from my XXXX, XXXX and XXXX credit report as required by law. 

Under the law 15 U.S. Code 1681i ( 5 ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned kikoff multiple times about the accuracy of these accounts and kikff has not been able to correct the errors,,, the law 15 U.S. Code 1681i ( 5 ) stipulates that after reinvestigating an account disputed by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately.

I demand that my written evidence in this disputed be reviewed and that kikoff delete the account at XXXX XXXX and XXXX, and enforce the law 15 U.S. Code 1681i ( 5 ) Att : XXXX XXXX XXXX XXXX