Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NH)

FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In my previous complaint with Kikoff I asked for the following information. I expected a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. Additionally, I requested documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. You have failed to provide the following information as part of your investigation. Kikoff Account # : XXXX I expected a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature. Additionally, I requested documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. This erroneous reporting has had significant adverse effects on my reputation, personal standing, and ability to secure credit for personal and housing needs. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect full compliance with its provisions. Should you fail to delete the inaccurate information, I request that you provide the name and address of the person ( XXXX ) whom you contacted to verify this disputed information. Failure to comply with this request constitutes a clear violation of federal law and has inflicted severe harm on my family and me. This letter serves as a final opportunity for Kikoff to rectify this issue by promptly deleting the erroneous account from my consumer reports. Your recent response ( attached ) did not provided me with ( the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. ) Please remove the late payment entries should you fail to provide the above information requested.