Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: ID

Complaint narrative:
I discovered that an account from Kikoff, Inc. is appearing on my credit report even though I have never opened, applied for, or authorized any account or service with this company. I had never heard of Kikoff prior to seeing the tradeline. I contacted Kikoff through the email listed on their website to dispute the account and request verification.

In my initial message, I explained that the account was not mine and asked Kikoff to investigate and provide documentation showing how the account was opened. Kikoff responded with a standard, repeated email telling me to complete a lengthy identity theft affidavit requiring highly sensitive personal information, such as my Social Security number and drivers license number. Because I have no relationship with this company and the account does not belong to me, I informed them that providing additional sensitive information to a company I do not recognize presents a security risk, and that federal law does not require this level of information for disputing an unauthorized tradeline. 

I sent a detailed dispute citing the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ) and 611, along with a legally sufficient sworn statement asserting that I did not open or authorize the account, did not receive any services or benefits, and requested verification or deletion. I asked them to provide any application records, email addresses, phone numbers, IP logs, or other data supporting that I opened the account.

Instead of reviewing my dispute, Kikoff replied again with the same form email instructing me to complete the same affidavit packet. I responded again and repeated that I can not supply sensitive personal information to a company I do not recognize and that I had already submitted a legally sufficient statement. They again replied with the same automated email, without acknowledging or addressing any of the information I provided. I asked them multiple times to escalate my dispute to an actual person in compliance or fraud, but the same automated response continued. 

Kikoff has not provided any verification that I opened the account, has not investigated my dispute, and has not acknowledged my legally sufficient statement. They continue to insist on receiving an affidavit or police/FTC report and have refused to review the information I already provided. The tradeline remains on my credit report, and the company is refusing to investigate unless I give them additional personal identifiable information, which is not required under the FCRA for disputing an unauthorized account.

I am requesting that the CFPB require Kikoff to properly investigate this dispute, provide verification if the account is legitimate, or remove the account from all credit bureaus if they can not verify it. Kikoff is not complying with FCRA dispute obligations and continues to respond only with automated, repetitive messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief