Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: NJ

Complaint narrative:
To KickOff Lending LLC, My name is XXXX XXXX, a federally protected consumer. I am writing to formally dispute inaccurate and/or incomplete information being reported by your company, Kickoff Lending LLC , to the consumer reporting agencies in connection with the following charge card account : Account Name : Kickoff Lending LLC Account Type : Charge Card Open Date : XX/XX/XXXX Status : Charged Off / Closed Account Reported Past Due : {$210.00} as of XX/XX/XXXX and XXXX is being reported in another section Credit Limit : {$3500.00} Reported Credit Usage : 10 % Reported Past Due Amount : {$440.00} Status Updated : XX/XX/XXXX Upon review of my credit report, I have found significant inconsistencies and potential violations of federal consumer protection laws, including but not limited to : XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information to consumer reporting agencies are required to provide accurate and complete information. The account is marked both as : Charged off with a written-off amount of {$350.00} Past due in the amount of {$210.00}, but also {$440.00} elsewhere in the report Credit usage listed at 10 %, which is inconsistent with a charge-off status on a closed account These contradictions suggest either inaccurate reporting or a failure to properly update the account status, both of which violate your obligations under the FCRA to ensure the maximum possible accuracy of the data provided. 


XXXX. Violation of the FCRA 15 U.S.C. 1681s-2 ( b ) Once a consumer disputes an account, the furnisher is required to conduct a reasonable investigation and correct or delete any inaccurate or unverifiable information within XXXX  days. This letter serves as formal notice of dispute. If you can not verify each detail reported with documentary evidence, you are required to delete or correct the information with all credit reporting agencies. 

XXXX. Violation of the FCRA 15 U.S.C. 1681c ( a ) Accounts that are reported as charged off must reflect the correct charge-off amount, date of delinquency, and not list conflicting balances or status updates that create confusion. If this account is truly charged off and closed, it should not continue to accrue late payments or reflect fluctuating past due amounts. 


XXXX. Violation of the FDCPA ( if you are considered a debt collector ) If your company engages in debt collection activities, and if this account is in collection, please be advised that continuing to report inaccurate or misleading information could also constitute a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), particularly as it relates to the false representation of the character, amount, or legal status of a debt. 

Requested Action : Immediately investigate and validate the accuracy and completeness of all information you have reported regarding this account. 

Provide written documentation supporting the reported charge-off, amounts owed, and payment history. 

If you are unable to verify the information with appropriate documentation, I demand that you correct or delete the account from all consumer reporting agencies to which it has been furnished ( XXXX, XXXX, XXXX, etc. ). 

Please provide a full response to this dispute within XXXX  days, as required by federal law. Failure to respond in a timely and lawful manner will leave me with no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General 's Office, and may result in

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