Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
I am filing this complaint because Kikoff Lending LLC has repeatedly and knowingly furnished false, inaccurate, and unverifiable derogatory information about me to the CRA ( s ) XXXX, XXXX, XXXX  and has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ). Kikoffs conduct shows a pattern of willful noncompliance, bad-faith reinvestigation, and retaliatory reporting after I exercised my statutory rights. 



1. Kikoff Failed to Conduct Any Reasonable Reinvestigation ( 15 U.S.C. 1681s-2 ( b ) ) I disputed the accuracy of the Kikoff account twice.

I challenged the reporting of late payments that never occurred.

I requested verification, documentation, and lawful substantiation.

Kikoff provided none.

Instead, in both investigations, Kikoff verified the same inaccurate information without supplying a single piece of evidence. This is the exact definition of a perfunctory and unreasonable reinvestigation, prohibited by 1681s-2 ( b ) ( 1 ) ( A ) - ( E ).

2. Kikoff Changed and Escalated the Negative Information After My Disputes After my first dispute, Kikoff did not provide evidencethey simply altered the reporting date and extended the delinquency from XXXX to XX/XX/year>. 

After my second dispute, Kikoff became even more unreasonable and updated the account to : A charge-off, {$230.00} written off, A new past due balance into XX/XX/year>, A new sequence of late payments that did not exist in any prior Consumer reports. 

This is not verificationthis is retaliatory reporting and is evidence of willful misconduct. 



XXXX. Kikoff Is Furnishing Information Without a Permissible Purpose ( 15 U.S.C. 1681b ( f ) ) The only written authorization I provided to Kikoff allowed them to access my credit report for display purposesnot to furnish data. 
Kikoff never obtained : My written consent to report, Any permissible purpose under 1681b, Any contractual or statutory authority to furnish data. 

Thus, every transmission of my information to XXXX, XXXX, And XXXX  is an independent FCRA violation. 



XXXX. Kikoff Provided No Documentation and No Proof of Accuracy Despite two formal disputes, Kikoff : Provided XXXX payment records, Provided XXXX billing statements, Provided XXXX evidence that any payment was late, Provided XXXX evidence supporting a charge-off, Simply confirmed their own unverified data. 

Under 1681i ( 5 ) ( A ), XXXX  must delete any information that is inaccurate, incomplete, or can not be verified. Kikoff has proven they can not verify anything.

5. Kikoffs Reporting Directly Violates 1681e ( b ) ( Maximum possible accuracy standard ) The data Kikoff furnished is demonstrably inaccurate and inconsistent with their prior reporting. Their updates have materially changed the alleged delinquency, demonstrating that accuracy was not verified, but rather manipulated. 

The shifting dates, moving delinquencies, and new charge-off designation show a complete lack of : Consistent account records, Internal controls, Accuracy procedures. 

This is the textbook definition of a 1681e ( b ) violation. 



XXXX. Harm Caused Because of Kikoffs willful violations : My credit score dropped, Lenders denied me opportunities, I incurred financial losses, I experienced significant stress and loss of time addressing fraudulent reporting

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