Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: NC

Complaint narrative:
I am writing to formally dispute an inaccurate late payment status on a closed account on my credit report with KIKOFF under Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Credit Limit : {$2500.00} Current Payment status : Paid, Closed ; was 30 days past due date According to my records, I closed this account before a late payment occured, yet your records indicate that I was 30 days delinquent in 2024. This is factually incorrect and violates the Fair Credit Reporting Act ( FCRA ), which requires data furnishers and credit bureaus to ensure the accuracy and integrity of reported information. 
On XX/XX/year>2024, I received an email stating your account hasnt been reported late to the credit bureaus yet, but it will be reported as late on XX/XX/year>2024 if you dont close the account before then. I immediately closed that account the day of XX/XX/year>2024 ( see attachment email below ). I even received an additional confirmation email with an agreement confirmation number stating the official closure and stating my credit report would not be harmed for doing so. 
On XX/XX/year>2024, an Kikoff support representative reached out and sent me another email because the late payment status was still reported to the credit bureaus even after I had closed the account like I was asked to, so I put in an XXXX complaint. The email the Kikoff support representative sent stated We took the time to review your account and determined based on our communication provided to you and the action you took on XX/XX/year>2024 to close your account that your account should not have been furnished as late. We wanted to confirm that we received your dispute and have made the proper corrections to your reporting so that you should no longer see that late remark for this account but on my XXXX  credit report it is still showing as 30 days past due which is inaccurate and is a serious error that misrepresents my payment history. 
This inaccurate reporting violates the following sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer shall promptly notify the consumer reporting agency of any corrections to that information.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief