Consumer complaint received 2025-06-20 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: Kovo
State: FL

Complaint narrative:
Date : XX/XX/XXXX To : Kovo Inc . 

Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am contacting you to formally dispute and demand correction or deletion of inaccurate and inconsistent information your company, Kovo Inc., is furnishing to the credit reporting agencies XXXX XXXX XXXX XXXX  under account number XXXX XXXX XXXX XXXX XXXX 

The discrepancies in how your account is being reported across these XXXX major bureaus are clear and unacceptable. This inaccurate information is harming my creditworthiness and violates federal law. 

INCONSISTENCIES AND INACCURATE REPORTING : XXXX. Date Opened : XXXX  reports : XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX This should be a simple factual match why are they different? 

XXXX. High Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} All three bureaus are reporting a different high credit value. These can not all be correct. 

XXXX. Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is showing a balance when the others show none. Which is correct? 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, conflicting data. If nothing is past due, why is Equifax reporting it? 

XXXX. Monthly Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX10.00} This discrepancy affects XXXX ratios and lending decisions. 

XXXX. Payment History ( Late Payments ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XX/XX/XXXX, and shows account as 60 days late currently The late payment reports are all over the place different dates, different severities, different payment statuses. 

XXXX. Account Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late 60 Days '' This is a serious inconsistency that misrepresents my payment behavior. 

XXXX. Date of Last PaymenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy does Equifax show a payment 3 months earlier? 

MY DEMAND : These inconsistencies and errors violate your responsibilities under the Fair Credit Reporting Act ( FCRA ) to report accurate and consistent information to consumer reporting agencies. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : You must not furnish information you know or reasonably should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) : You must fully investigate disputes and correct or delete inaccurate data with the bureaus.

I am hereby demanding that Kovo Inc. take the following immediate actions : Conduct a full audit of the account being reported to XXXX XXXX XXXX XXXX

Correct or delete all inconsistent, unverifiable, or false information from all three credit bureaus.

Provide me with a written explanation and a record of what was verified and updated.

FAILURE TO ACT : If you do not resolve this matter within 15 business days, I will be filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Florida State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addition, I am prepared to pursue legal action for continued willful or negligent misreporting. 

This is your formal notice. I expect immediate and lawful correction of the inaccurate data your company is reporting in my name. 

Sincerely,

Company response to consumer: Closed with explanation