Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (CA)

Subject : ** Urgent : Reconsideration and Immediate Closure Request for Kikoff Account Dear Kikoff Support Team, Thank you for your recent response regarding the investigation of the disputed account. I appreciate your efforts in reviewing the matter. However, I must strongly challenge your conclusion and request an immediate re-evaluation of the case. **1. Verification Process Concerns : ** While you assert that the personal information used to open the account was verified, I must emphasize that identity theft and fraud often involve the misuse of legitimate details. Simply verifying that the data matches known information is insufficient to rule out fraudulent activity, particularly when this information has been compromised. The fact that my personal details were used in the account creation process does not inherently prove that I authorized the account or was involved in its opening. **2. Evidence of Fraud : ** I have previously provided substantial documentation, including an FTC Identity Theft Report ( Report Number : XXXX ) and a police report, clearly indicating that my identity was stolen and used fraudulently. By law, under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureaus ( CFPB ) guidelines, these documents should prompt immediate action to remove any accounts that have been opened without my consent. **3. Responsibility to Report Accurate Information : ** While you state that you have a responsibility to report accurate information, the evidence I provided directly challenges the accuracy of this tradeline. Reporting this account as legitimate when there are strong indications of fraud contradicts both federal regulations and your duty as a data furnisher. Additionally, by failing to act on this evidence, Kikoff may be in violation of its obligations under the FCRA, potentially exposing the company to liability. **4. Email and Phone Number Verification : ** The fact that the email and phone number used to contact you were the same as those associated with the fraudulent account further supports my claim of identity theft. In cases of identity theft, its common for the perpetrator to use the victims known contact information. This does not, in any way, suggest my consent to the account 's creation. **5. Immediate Account Closure : ** I formally request that you close this account immediately, as it was opened without my authorization and has caused significant harm to my credit profile. Moreover, I expect this tradeline to be deleted from my credit report across all bureaus. Failure to act on this request will compel me to escalate this matter with the CFPB, the Attorney General 's office, and other relevant authorities. Please confirm the closure of this account and the removal of the associated tradeline from my credit reports as soon as possible. I trust that Kikoff will reconsider its stance and act in accordance with the legal obligations under consumer protection laws. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX -- - and I XXXX police station and report with they ruled that it was. Identify theft as well