Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kikoff Inc.
State: PA

Complaint narrative:
XXXX XXXX Kickoff Lending XXXX XXXX, Inaccurate, and Unauthorized Reporting This complaint concerns Kickoff Lending XXXX, a company that claims to offer credit-building services. At no point did XXXX lend me any money or issue a line of credit. Instead, they required a $ 5 monthly payment toward a simulated {$750.00} credit line, promising that these payments would be refunded upon completion. No contract was signed, and I never received any funds, disbursements, or refunds. 

Despite this, after I stopped payments in XX/XX/year> due to financial hardship, XXXX reported the account as charged off and listed an {$80.00} loss. This is both deceptive and inaccurate : XXXX never lent me anything and can not legally charge off funds that were never loaned. Additionally, no Form XXXX was issued for the alleged charge-off, as would be required if it were legitimate income or debt cancellation. 

Most importantly, this account was created and is being reported under my former legal name, which raises serious concerns about authorization, identity matching, and whether any lawful consent was given. Reporting under an outdated legal name constitutes inaccurate personal identification data and violates federal law. 

Violations Include : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information to CRAs 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681b : No permissible purpose for reporting data under a non-current identity 15 U.S.C. 1692g : No validation of alleged debt, violating FDCPA FTC Act, 15 U.S.C. 45 ( a ) : Engaging in unfair or deceptive acts and practices XXXX reporting is harmful, misleading, and unauthorized. There is no legitimate credit transaction, no valid debt, and no agreement authorizing them to report under any name past or present. 

Requested Resolution : I am requesting : Permanent deletion of this account from all credit reporting agencies ( XXXX XXXX XXXX ). 
A formal investigation into XXXX deceptive practices. 
A full refund of all payments made to this company. 
An order to cease and desist from housing, sharing, or publishing any data under my former legal name, which I do not consent to. 
Documentation proving that all data associated with this alleged account has been permanently purged from their systems. 

This company is harming consumers under the guise of credit help while engaging in manipulative and potentially unlawful activity. 

KICKOFF LENDING XXXX is inaccurately reporting an account under my former legal name exclusively to XXXX, while no such account appears on XXXX XXXX XXXX. This discrepancy reveals inconsistent and unreliable credit reporting practices and a failure to ensure accuracy and uniformity across all three major credit bureaus, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). 

This account was never authorized, validated, or agreed to under my current legal name, and I have made no such application or contract with this company. The fact that it appears only on XXXX report raises significant concerns about its legitimacy and the procedures used to furnish this data. Additionally, the continued presence of this inaccurate account has caused me harm, including reduced credit opportunities, stress, and financial disadvantage. 

I believe this company has willfully failed to verify the accuracy of the information before reporting, and has continued to allow it to remain on my report without correcting or removing it, despite the clear mismatch and the lack of reporting on the other XXXX major bureaus.

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