Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: MI

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA 605B, 623, 607, 611 ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ) due to Kikoff Lending LLCs deliberate and unlawful furnishing of inaccurate, unverified, and identity-theftrelated information to XXXX XXXX, and XXXX.

Kikoff Lending LLC is reporting a {$50.00} charged-off account that I did not authorize, open, use, or benefit from. I have never executed an application or agreement with Kikoff, nor have I received any account disclosures, billing statements, or adverse-action notices. Despite this, Kikoff has continued to furnish this tradeline as if it were valid. No validation or proof of the alleged debt has been provided to me in any form, in violation of FDCPA 809 ( a ) ( validation required within five days of initial communication ) and FCRA 611 ( a ) ( duty to conduct a reasonable reinvestigation and delete unverifiable data ). 

This account is the direct result of identity theft via data breach. After notice of identity theft, FCRA 605B requires blocking and removal of the tradeline from my file ; FCRA 623 ( a ) ( 6 ) prohibits a furnisher from reporting information it knows or should know is inaccurate or fraudulent. Kikoffs continued furnishing after notice of dispute and identity theft is willful noncompliance. It also implicates FCRA 607 ( b ), which imposes a duty of maximum possible accuracy, and FCRA 604 ( 15 U.S.C. 1681b ), as there is no permissible purpose to continue furnishing or accessing my consumer report for a fraudulent, unauthorized account.

If Kikoff disputes that this tradeline is fraudulent, then Kikoff must immediately produce competent documentary evidence that would withstand judicial scrutiny, including but not limited to : ( i ) the original signed application or contract ( wet signature or authenticated e-signature with full audit trail compliant with E-SIGN ), ( ii ) XXXX/identity-verification records used at origination ( ID images, IP addresses, device fingerprints, geolocation, phone/email ownership checks ), ( iii ) complete account history and itemized calculations supporting any claimed balance or charge-off, ( iv ) copies of any disclosures, billing statements, and adverse-action or validation notices with proof of delivery, and ( v ) Kikoffs reinvestigation file evidencing a reasonable investigation under 611 ( a ). Absent this showing, the tradeline is unverifiable and must be deleted. 

Kikoffs reckless furnishing has maliciously damaged my credit profile, limiting access to housing, employment, and fairly priced credit. I have incurred tangible harm and ongoing reputational injury as a result of these violations.

I demand immediate and permanent deletion of the Kikoff tradeline from XXXX, XXXX, and XXXX, with written confirmation of removal within three ( 3 ) business days. Under FCRA 611 ( a ) ( 5 ) ( A ), Kikoff and each CRA must notify me of the deletion ; under 611 ( a ) ( 5 ) ( B ), no reinsertion may occur without certification of accuracy and prompt written notice to me. Kikoff must also cease all furnishing tied to this fraudulent account, purge internal records linking my identifiers to it, and not sell, transfer, or re-assign any purported interest in this account. 

Continued noncompliance will result in escalation, including civil litigation for willful and/or negligent violations under 15 U.S.C. 1681n, 1681o and claims for deceptive practices under FDCPA 807, 809. I reserve all rights and remedies.

For verification : My name is XXXX XXXX XXXX, SSN last four ( XXXX  ), address ( XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX ), phone ( XXXX ). Drivers license and XXXX bill are attached for identity matching and address verification. 

Respectfully, XXXX XXXX XXXX

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