Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kovo
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information currently being reported on my credit file maintained by XXXX. These entries appear to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Regulation F, and are causing unjustified damage to my creditworthiness. 

Disputed Items : XXXX. Kovo Inc Account XXXX XXXX  This account is inaccurately marked as past due, with a payment history indicating a 30-day delinquency in the first three months, despite inconsistent or insufficient documentation. No notice of delinquency was sent to me, violating the notice requirements under 15 U.S.C. 1681i ( a ) and Regulation F ( 12 CFR 1006.42 ), which mandates that consumers be informed clearly and in writing about adverse reporting or collection activity. 

Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to fully investigate disputes and correct any data found to be inaccurate or incomplete. If the furnisher can not verify the validity of this debt, this account must be deleted from my file under FCRA 1681i ( a ) ( 5 ) ( A ). 

Supporting Case Law : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Credit bureaus have an affirmative duty to perform a reasonable investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to remove unverified information violates the FCRA.

- RiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Data must be not only accurate but also complete and non-misleading. 

Action Requested : Pursuant to the Fair Credit Reporting Act and Regulation F, I respectfully request that : XXXX. A reinvestigation be conducted regarding the Kovo Inc account and any other disputed entries. 
2. Any unverifiable, inaccurate, or incomplete information be deleted from my report.

3. A written response detailing your findings and the actions taken be mailed to me within 30 days, as required by FCRA 1681i ( a ) ( 1 ) ( A ).

4. If no verification is received, furnishers must cease reporting under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

I have attached a copy of my drivers license, Social Security card, and a recent utility bill to verify my identity.

Thank you for your prompt attention to this matter. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Sincerely, XXXX XXXX XXXX Attachments : - Copy of Government-Issued ID - Copy of Social Security Card - Utility Bill or Lease ( Proof of Address ) Unauthorized Inquiries : In addition to the above, I am disputing an unauthorized inquiry that appears on my credit file : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was made without my knowledge or permission and does not reflect any authorized credit application or relationship. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), consumer reporting agencies may only provide credit reports in connection with a permissible purpose. This was not the case for the above-mentioned inquiry.

Therefore, I am requesting immediate deletion of this inquiry from my credit report. Please provide documentation proving that this inquiry was initiated with my explicit consent or, in the absence of such evidence, ensure its removal.

Company response to consumer: Closed with explanation