Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: IN

Complaint narrative:
To Whom It May Concern : I respectfully request escalation and further review of Kikoff Lending LLC 's response. The company has provided conclusory statements regarding the accuracy of its reporting but has not provided sufficient evidence to independently verify the information furnished to consumer reporting agencies. XXXX asserts that I entered into an agreement on XX/XX/year>, that payments became delinquent, and that the account was charged off. However, mere assertions do not satisfy the requirement to conduct a reasonable investigation and maintain maximum possible accuracy under the Fair Credit Reporting Act. Accordingly, I request that XXXX produce competent documentary evidence supporting every item of information furnished to any consumer reporting agency, including but not limited to : The complete consumer agreement and all amendments in effect at account opening. Evidence of account creation, including IP logs, device identifiers, timestamps, and electronic consent records. Documentation demonstrating the legal basis for the alleged repayment obligation. A complete account ledger from origination through charge-off. All monthly billing statements generated for the account. The date of first delinquency and documentation supporting that date. The methodology used to calculate the reported balance and charge-off amount. Copies of all information furnished to XXXX XXXX XXXX XXXX. The XXXX XXXX reporting format, account status codes, payment rating codes, compliance condition codes, and special comment codes used in connection with this account. Records reflecting each investigation conducted in response to disputes. The identity of the personnel, systems, and records relied upon to verify the account. Documentation establishing that each reported late payment, delinquency, and charge-off notation was independently verified and not merely assumed based on internal database information. XXXXXXXX XXXX response fails to explain how its investigation was conducted, what records were reviewed, or how the accuracy of each reported data field was verified. Verification is not the same as investigation. If XXXX can not provide documentary support sufficient to substantiate each disputed data element, I request that any unverifiable, inaccurate, incomplete, or unsupported information be corrected or deleted from all consumer reporting agencies to ensure compliance with the Fair Credit Reporting Act. I further request that the CFPB review whether XXXXXXXX XXXX response constitutes a reasonable investigation and whether the furnisher can substantiate every disputed item being reported. XXXXXXXX XXXX response fails to demonstrate that it conducted a reasonable investigation as required under the Fair Credit Reporting Act. While the company asserts that the account is accurate, it has not provided sufficient documentation to independently verify the accuracy of the payment history, date of first delinquency, charge-off status, balance calculations, or the information furnished to the consumer reporting agencies. Mere reliance on internal records does not establish maximum possible accuracy. I therefore request that XXXX provide competent documentary evidence supporting each disputed reporting element and certify the accuracy of all information furnished. If any information can not be fully substantiated, I request that it be corrected or deleted from all consumer reporting agencies in accordance with the FCRA. Sincerely, XXXX XXXX

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