Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : XXXX Email : XXXX [ Date : __________ ] Kikoff Lending LLC XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : Customer Service / Legal Department Re : Account referenced as KIKOFF LENDING LLC Account No. XXXX Balance shown : {$350.00} ( status : Open ; {$70.00} past due per reporting ) To whom it may concern : This letter is a formal Cease & Desist Demand and a Debt Validation Request regarding the account referenced above. 
1. Cease & Desist from Collection and Reporting I demand that Kikoff Lending LLC immediately cease all collection activities related to this alleged debt and cease reporting any adverse information about this account to any credit reporting agency unless and until you provide proper validation of the debt and confirm its accuracy in writing. If you continue to report this account while it is disputed, you must notify the credit reporting agencies that the account is disputed. 
2. Debt Validation Provide Documentation Within 30 Days Within 30 days of your receipt of this letter, provide written verification and validation of the alleged debt, including but not limited to : The exact amount you claim I owe ; The name of the original creditor and original account number ; Copies of any written contract, agreement, or other documents showing my signature or other proof that I am legally obligated for this debt ; A complete accounting of all charges, fees, and payments applied to this account ; and A statement explaining your legal basis for collecting this debt. 

If you can not provide the requested verification, you must immediately cease all collection efforts and remove or correct any adverse information reported to any credit reporting agency. 
3. Communications Written Only I request that all future communications regarding this matter be made in writing only to the address above. Do not contact me by phone, email, or through third parties except in writing.

4. Correction or Removal of Inaccurate Reporting If any portion of this account is found to be inaccurate or unverifiable, you must promptly notify each consumer reporting agency to which you reported the information and request deletion or correction of the inaccurate information.

5. Remedies for Non-Compliance If you fail to ( a ) provide the requested validation within 30 days, ( b ) cease collection and cease reporting until validation is provided, or ( c ) confirm in writing that you have corrected or removed any inaccurate information, I will consider further actions, which may include filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, my state attorney generals office, and the credit reporting agencies, and pursuing legal remedies as appropriate. 

Proof of your receipt of this letter and your compliance or non-compliance will be retained. Please respond in writing to the address above and include the name and title of the company representative responding. 

Sincerely, XXXX XXXX XXXX

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