Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kikoff Inc.
State: FL

Complaint narrative:
Kick Off XXXX XXXX and XXXXForeClosed are reporting on my consumer report illegally and unlawfully both accounts read they have be " Charged Off '' FCRA Section 611 ( a ) ( 6 ) states : " If the completeness or accuracy of any information disputed by a consumer is found to be inaccurate or incomplete... the consumer reporting agency shall promptly delete that information. '' Obligation of Furnishers ( Creditors ) : The FCRA also applies to furnishers of informationi.e., the creditors that report charge-offs to the credit bureaus. They are required to ensure that the information they report is accurate.

If a charge-off is disputed, the creditor must investigate the dispute and correct or remove the charge-off entry if it is found to be inaccurate. Failure to correct the error can lead to legal consequences under the FCRA.

After a dispute is resolved, the credit bureaus are required to notify you of the outcome. If the charge-off was updated, corrected, or removed as a result of the dispute, the bureau must send you a copy of the revised report for free.

Additionally, if the charge-off is found to be inaccurate or unverifiable, it must be removed from your credit report FCRA Section 611 ( a ) ( 1 ) states : " A consumer may dispute the completeness or accuracy of any information in a consumer report... The consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation ... within a reasonable time period, not to exceed 30 days. '' The FCRA mandates that all information reported to credit bureaus must be accurate, complete, and fair. If a charge-off is disputed and the credit reporting agency ( CRA ) or creditor can not verify the accuracy of the charge-off, they are required by law to remove it from the consumers credit report.

FCRA Section 607 ( b ) requires that only accurate information be reported : " A person shall not furnish information to a consumer reporting agency if the person knows or has reasonable grounds to believe that the information is inaccurate. '' If the charge-off is not verified or is found to be incorrect during the dispute investigation process ( usually 30 days ), it must be removed from the report because it no longer meets the standard of accuracy set by the FCRA.

2. Investigation Requirement ( 30-Day Rule ) Once a consumer files a dispute, the credit reporting agency must investigate the matter within 30 days. During the investigation, the creditor or data furnisher ( the company that reported the charge-off ) is required to provide evidence supporting the validity of the charge-off.

FCRA Section 611 ( a ) mandates the investigation process : " If the completeness or accuracy of any information disputed by a consumer is found to be inaccurate or incomplete... the consumer reporting agency shall promptly delete that information. '' If the creditor or furnisher does not respond to the dispute with proof that the charge-off is accurate, the CRA must delete the charge-off from the credit report.

FCRA Section 623 ( a ) ( 1 ) says that furnishers must ensure the information they report is accurate : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Consumer Protection : The FCRA protects consumers from being penalized by inaccurate, incomplete, or unverifiable information. A charge-off that can not be verified or is proven to be incorrect is considered unfairly damaging to the consumers creditworthiness and must be removed. 

Therefore I respectfully demand these charge off accounts be removed from my consumer report for I have clearly shown in this dispute that they are in violation with The FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation