Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Kikoff Inc.
State: FL

Complaint narrative:
b'NEGATIVE ITEM #1\n\XXXX XXXX  Collection / Charge-Off\n\nStatus: Paid | Closed: XXXX\nIssues Identified:\n\t\tContinued reporting of derogatory late payments after payoff\n\t\tInaccurate and misleading account status\n\t\tFailure to report complete payment history accurately\n\t\tPotential reinsertion violations\n\n\n\n DISPUTE LETTER  XXXX XXXX (Charge-Off)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSSN: XXXXVia Certified Mail  Return Receipt Requested\n\nTo:\n[Credit Bureau Name]\n[Credit Bureau Address]\n\nRe: Formal Dispute  Demand for Permanent Deletion (FCRA  1681, et seq.)\n\nTo Whom It May Concern,\n\nI am writing to formally dispute the reporting of the following account currently appearing on my consumer credit file:\n\nCreditor: XXXX XXXX\nAccount Number: XXXXAccount Type: Collection / Charge-Off\nStatus: Paid / Closed\n\nThis account is being reported with derogatory late payment markers and charge-off history, despite reflecting a $XXXX  balance and paid status. This reporting is materially misleading, inaccurate, and legally defective under federal law.\n\n LEGAL VIOLATIONS\n\nYour continued reporting of this account violates, but is not limited to, the following provisions of the Fair Credit Reporting Act (FCRA):\n1.  15 U.S.C.  1681e(b)  Failure to follow reasonable procedures to ensure maximum possible accuracy.\n\t\tA paid charge-off being reported with ongoing derogatory indicators misrepresents current credit risk.\n2.   15 U.S.C.  1681s-2(a)(1)(A)  Furnishers may not report information they know or have reasonable cause to believe is inaccurate.\n3.   15 U.S.C.  1681c(a)(4)  Prohibits continued reporting of obsolete or misleading adverse information beyond its legally supportable scope.\n4.   15 U.S.C.  1681i(a)(1)(A)  Requires a reasonable reinvestigation. Automated or superficial verification is legally insufficient.\n\n FORMAL DEMAND\n\nUnless you can provide competent, first-hand documentary evidence (including a complete payment history and original creditor verification) proving the accuracy, completeness, and legal basis for this reporting, you are required by law to delete this account immediately.\n\nThis letter serves as actual notice. Failure to comply may expose your organization to civil liability under 15 U.S.C.  1681n and 1681o, including statutory and punitive damages.\n\nI expect written confirmation of permanent deletion within 30 days, as mandated by law.\n\nSincerely,XXXX XXXXNEGATIVE ITEM #2XXXX  Late Payments (30/60 Days)\n\nUtilization: 11%\nIssues Identified:\n\t\tInconsistent payment reporting\n\t\tDisproportionate negative impact for a low-risk tradeline\n\t\tLack of verifiable late-payment evidence\n\t\tPossible XXXX XXXX  reporting violations\n\n\n\n DISPUTE LETTER  XXXX  (Late Payments)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSSN:XXXXVia Certified Mail  Return Receipt Requested\n\nTo:XXXX[Credit Bureau Address]\n\nRe: Dispute of Inaccurate Late Payment Reporting  Demand for Deletion\n\nTo Whom It May Concern,\n\nI am disputing the accuracy and completeness of the following account currently being reported on my credit file:\n\nCreditor: XXXXAccount Number: XXXXReported Late Payments: 30 / 60 Days\n\nThis account is being reported with late-payment indicators that cannot be independently verified and are inconsistent with the accounts actual payment behavior.\n\n LEGAL BASIS FOR DISPUTE\n\nThis reporting violates the following:\n1.  15 U.S.C.  1681e(b)  Failure to ensure maximum possible accuracy.\n2.  15 U.S.C.  1681i(a)(5)(A)  Requires deletion of unverifiable information.\n3.  CFPB XXXX XXXX Reporting Guidelines  Late payments must be supported by precise billing cycle documentation.\n\t4.\t15 U.S.C.  1681s-2(b)  Furnishers must conduct a reasonable investigation when notified of a dispute.\n\n DEMAND FOR ACTION\n\nUnless you can produce original billing statements, payment due dates, and proof of delinquency, this information is legally unverifiable and must be deleted in full, not corrected.\n\nFailure to delete unverifiable information constitutes willful noncompliance.\n\nPlease provide written confirmation of deletion.\n\nSincerely,XXXX XXXX XXXX  Collection / Charge-Off\n\nStatus: Paid | Closed: XXXXXXXXIssues Identified:\n\t\tContinued reporting of derogatory late payments after payoff\n  Inaccurate and misleading account status\n. Failure to report complete payment history accurately\n. Potential reinsertion violations\n\n DISPUTE LETTER  CAPITAL ONE (Charge-OffXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXVia Certified Mail  Return Receipt Requested\n\nTo:\n[Credit Bureau Name]\n[Credit Bureau Address]\n\nRe: Formal Dispute  Demand for Permanent Deletion (FCRA  1681, et seq.)\n\nTo Whom It May Concern,\n\nI am writing to formally dispute the reporting of the following account currently appearing on my consumer credit file:\n\nCreditor: XXXX XXXXAccount Number: XXXXAccount Type: Collection / Charge-Off\nStatus: Paid / Closed\n\nThis account is being reported with derogatory late payment markers and charge-off history, despite reflecting a $XXXX  balance and paid status. This reporting is materially misleading, inaccurate, and legally defective under federal law.\n\n LEGAL VIOLATIONS\n\nYour continued reporting of this account violates, but is not limited to, the following provisions of the Fair Credit Reporting Act (FCRA):\n1.   15 U.S.C.  1681e(b)  Failure to follow reasonable procedures to ensure maximum possible accuracy.\n\t\tA paid charge-off being reported with ongoing derogatory indicators misrepresents current credit risk.\n2.   15 U.S.C.  1681s-2(a)(1)(A)  Furnishers may not report information they know or have reasonable cause to believe is inaccurate.\n3.   15 U.S.C.  1681c(a)(4)  Prohibits continued reporting of obsolete or misleading adverse information beyond its legally supportable scope.\n4.   15 U.S.C.  1681i(a)(1)(A)  Requires a reasonable reinvestigation. Automated or superficial verification is legally insufficient.\n\n FORMAL DEMAND\n\nUnless you can provide competent, first-hand documentary evidence (including a complete payment history and original creditor verification) proving the accuracy, completeness, and legal basis for this reporting, you are required by law to delete this account immediately.\n\nThis letter serves as actual notice. Failure to comply may expose your organization to civil liability under 15 U.S.C.  1681n and 1681o, including statutory and punitive damages.\n\nI expect written confirmation of permanent deletion within 30 days, as mandated by law.\n\nSincerely,XXXX XXXX XXXX NEGATIVE ITEM #2XXXX  Late Payments (30/60 Days)\n\nUtilization: 11%\nIssues Identified:\n\t\tInconsistent payment reporting\n\t\tDisproportionate negative impact for a low-risk tradeline\n\t\tLack of verifiable late-payment evidence\n\t\tPossible XXXX XXXX reporting violations\n\n\n\n DISPUTE LETTER  XXXX  (Late Payments)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSSN:XXXXVia Certified Mail  Return Receipt Requested\n\nTo:\n[Credit Bureau Name]\n[Credit Bureau Address]\n\nRe: Dispute of Inaccurate Late Payment Reporting  Demand for Deletion\n\nTo Whom It May Concern,\n\nI am disputing the accuracy and completeness of the following account currently being reported on my credit file:\n\nCreditor: XXXXAccount Number: XXXXReported Late Payments: 30 / 60 Days\n\nThis account is being reported with late-payment indicators that cannot be independently verified and are inconsistent with the accounts actual payment behavior.\n\n LEGAL BASIS FOR DISPUTE\n\nThis reporting violates the following:\n\t1.\t15 U.S.C.  1681e(b)  Failure to ensure maximum possible accuracy.\n\t2.\t15 U.S.C.  1681i(a)(5)(A)  Requires deletion of unverifiable information.\n\t3.\tCFPB XXXX XXXX Reporting Guidelines  Late payments must be supported by precise billing cycle documentation.\n\t4.\t15 U.S.C.  1681s-2(b)  Furnishers must conduct a reasonable investigation when notified of a dispute.\n\n DEMAND FOR ACTION\n\nUnless you can produce original billing statements, payment due dates, and proof of delinquency, this information is legally unverifiable and must be deleted in full, not corrected.\n\nFailure to delete unverifiable information constitutes willful noncompliance.\n\nPlease provide written confirmation of deletion.\n\nSincerely,\n[Your Full Legal Name]\n\n\n\n NEXT STEPS (IMPORTANT)\n\t\tSend each letter separately to XXXX, XXXX, and XXXX\n\t\tUse Certified Mail (XXXX)\n\t\tKeep copies of everything\n\t\tIf they verify without proof  you escalate to:\n\t\tMethod of Verification (MOV)\n\t\tCFPB complaint\n\t\tIntent to Sue notice\n\nIf you want, next I can:\n\t\tDraft Method of Verification letters\n\t\tCreate direct disputes to XXXX XXXX & XXXX\n\t\tBuild a step-by-step deletion strategy to push your score into the XXXX  range\n\nJust say the word and upload the next negative item '

Company response to consumer: Closed with explanation