Consumer complaint received 2024-09-27
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. (CA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Request for Verification of Accounts and Removal of Unverified Accounts Dear XXXX, Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you report on my credit file. Failure to do so allows fraudulent accounts to be reported. 

I demand verifiable proof of the following accounts, including the original consumer contract with my signature. If you are unable to provide verifiable proof of these accounts, you are required to remove them from my credit report under the FCRA, as unverified accounts must be deleted. The failure to positively verify these accounts has harmed my ability to obtain credit. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kikoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that the following actions be taken : 1. Remove all non-account holding inquiries that are over 30 days old.

2. Add a promotional suppression to my credit file to prevent unauthorized access and promotions. 

Please consider this a formal dispute, and I expect a prompt response in accordance with the FCRA. If you fail to provide the requested documentation or remove the unverified accounts within 30 days, I will take further legal action to enforce my rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Complaint Against XXXX for Negligence and Reporting Unverified Information Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal complaint against XXXX for their continued negligence in reporting unverified and undocumented information on my credit report, which has severely damaged my creditworthiness. 

I have repeatedly requested that XXXX, along with data furnishers XXXX, XXXX, and Kikoff Lending LLC, provide verifiable proof of the debts they are reporting in my name. I have asked for proper documentation, including original signed contracts and proof of validation for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Kikoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my numerous efforts, neither XXXX nor the creditors mentioned have provided any form of verifiable proof to substantiate these debts. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts must be removed from a credit report if they can not be proven to belong to the consumer. However, XXXX continues to negligently report this inaccurate information despite my attempts to resolve the matter directly with them and the creditors. 

This has been an ongoing issue for months, and XXXX is fully aware that I have contacted each of the data furnishers multiple times to no avail. They are knowingly reporting information that lacks proper validation, violating federal guidelines under the FCRA and damaging my credit standing in the process. 

XXXX failure to follow the FCRA guidelines has significantly harmed my credit score, limiting my ability to obtain credit, and potentially violating my rights under consumer protection laws. I request that the CFPB hold XXXX accountable for their failure to act in accordance with the law and ensure that these data furnishers are held to the proper standards they are legally obligated to uphold. 

This negligence must not continue, and I urge the CFPB to take action against XXXX for their persistent non-compliance with federal regulations, as well as to enforce proper verification practices among the data furnishers involved. 

Thank you for your time and assistance in addressing this matter. I look forward to your response and any action you may take to resolve these issues. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX