Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: TX

Complaint narrative:
FINAL NOTICE BEFORE LEGAL ACTION RE : Kikoff Lending LLC Account XXXX XXXX To Whom It May Concern, This is a formal and final demand for the deletion of the above-referenced account from my credit reports maintained XXXX XXXX XXXX XXXX XXXX. This account has been the subject of repeated disputes, and your continued failure to respond lawfully has left me no choice but to issue this notice prior to legal action. 
1. Method of Verification Request ( FCRA XXXX ) Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( 7 ), I hereby request the Method of Verification for this account. Specifically : -The name and contact information of the individual or entity who verified the information -A detailed explanation of the procedures used during your investigation -A copy of any correspondence or documentation exchanged with the data furnisher during your verification process 2. Full Disclosure Under Section XXXX Under FCRA Section XXXX ( a ) ( 1 ), I am requesting the following : -A full copy of the original signed contract or agreement bearing my signature for this alleged account -All documentation supplied to you by Kikoff Lending LLC that substantiates the validity and reporting of this account -The complete payment history, account terms, and any notes or records maintained during previous investigations If you are unable to provide this information, federal law requires that you delete the account from my credit file. 

3. Documented Reporting Inconsistencies and Legal Violations Your records show materially inconsistent and inaccurate data across the XXXX credit bureaus for this account. These discrepancies violate the FCRA and Metro 2 data reporting standards. 

Last Payment Date -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These discrepancies not only reflect gross misreporting but also failure to ensure the data is complete, accurate, and consistent, as mandated by FCRA Section XXXX and Metro 2 compliance standards. The same account can not legally contain conflicting data across credit reporting agencies. 

4. Demand for Immediate Deletion Due to the following : Failure to provide a legally sufficient Method of Verification Failure to provide all documents under Section XXXX Multiple and material discrepancies across XXXX XXXX XXXX XXXX Ongoing violations of the Fair Credit Reporting Act I demand the immediate and permanent deletion of this account from my credit reports across XXXX XXXX bureaus. 

5. Notice of Intent to File Legal Action If this matter is not fully resolved within 15 calendar days of receipt of this letter, I will initiate the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the Federal Trade Commission ( FTC ) Notify my State Attorney Generals Office Pursue civil action under FCRA statutes for willful noncompliance This letter shall serve as your final opportunity to resolve this matter amicably.Im

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