Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Kikoff Lending due to inaccurate credit reporting, improper charge-off and/or collection reporting, and failure to adequately investigate and resolve a disputed account that I did not open, authorize, or knowingly benefit from. This issue involves a derogatory account reported by Kikoff Lending that has caused ongoing harm to my credit profile and financial standing. 

XXXX of the Kikoff Lending Account I first became aware of the Kikoff Lending account after reviewing my consumer credit reports from the major credit reporting agencies. At the time of discovery, the account was already reporting negative information, including delinquency, charge-off and/or collection status, and late payment history. I did not receive advance notice, account opening disclosures, billing statements, or communications that would normally accompany a legitimate account. 

I do not recognize this Kikoff Lending account as one that I opened or authorized. I did not knowingly apply for credit with Kikoff Lending, did not sign any agreement with the company, and did not provide consent for Kikoff Lending to open or manage an account in my name. 

Lack of Authorization and Contractual Relationship I have never had a valid contractual relationship with Kikoff Lending for the debt being reported. I did not complete an application, agree to any terms, or authorize the use of my personal information for this account. I did not receive funds, services, or credit benefits associated with the account now appearing on my credit reports. 

The reporting of this account suggests that my personal information may have been used without my knowledge or authorization, raising serious concerns of identity theft or unauthorized account creation. 

Derogatory Reporting and Account Status The Kikoff Lending account is reported as derogatory and reflects negative payment history, including late payments and charge-off or collection status. The account reflects a past-due balance that I dispute entirely. I am not responsible for this balance, and I did not cause the alleged delinquency. 

The presence of this account has negatively affected my credit profile by adding derogatory marks, damaging my payment history, and lowering my overall creditworthiness. 

Inconsistent and Incomplete Reporting Another issue of concern is the manner in which the Kikoff Lending account is reported. In some instances, the reporting appears inconsistent across credit bureaus, with variations in account status, dates, or payment history. Inconsistent reporting is a strong indication that the information may not be accurate or reliably verified. 

If the account were legitimate and properly documented, the reporting would be consistent, complete, and supported by original records. Instead, the reporting appears fragmented and unsupported. 

Attempts to Dispute and Resolve the Issue After discovering the Kikoff Lending account, I took action to dispute the account through appropriate channels. I notified the credit reporting agencies that I did not recognize or authorize the account and requested reinvestigation and verification. I also sought clarification and validation regarding the basis for Kikoff Lendings reporting. 

Despite these efforts, the account has continued to be reported as derogatory. In response to disputes, I have not been provided with copies of original account applications, signed agreements, identity verification records, or detailed billing statements that would establish my responsibility for the account. 

Failure to Provide Meaningful Verification Kikoff Lending has failed to provide meaningful verification demonstrating that I am legally responsible for the reported debt. Generic statements that the account was verified are insufficient and do not address the substance of my dispute. 

A meaningful investigation should involve review of original documentation showing that I applied for and agreed to the account, as well as evidence that my identity was properly verified at the time the account was opened. To date, no such documentation has been provided. 

Identity Theft and Unauthorized Use Concerns Based on the lack of authorization, absence of documentation, and failure to verify the account, I believe the Kikoff Lending account may be the result of identity theft or unauthorized use of my personal information. I did not knowingly participate in the transactions associated with this account and did not benefit from them. 

I am reporting this issue to document the identity theft-related nature of the account and to seek correction and removal of the resulting inaccurate credit reporting. 

Harm Caused by Kikoff Lendings Reporting The continued reporting of this derogatory account has caused real and ongoing harm. It has negatively affected my credit scores, increased perceived risk to lenders, and interfered with my ability to access credit on fair terms. It has also required me to spend significant time and effort disputing an account that does not belong to me. 

The emotional stress and financial uncertainty caused by inaccurate credit reporting should not be underestimated. This situation has placed an unfair burden on me as a consumer. 

Legal and Compliance Concerns Kikoff Lendings handling of this matter raises concerns regarding compliance with consumer protection laws, including the Fair Credit Reporting Act. These laws require furnishers of credit information to report accurately, investigate disputes in good faith, and correct or delete information that can not be verified. 

Continuing to report a disputed, unauthorized account without providing supporting documentation undermines the accuracy and fairness required by law. 

Requested CFPB Review and Intervention I am submitting this complaint to request that the CFPB review Kikoff Lendings actions and require the company to address the inaccuracies associated with this account. I am seeking accountability and a lawful resolution that restores the accuracy of my credit reports. 

Desired Outcome I am requesting that Kikoff Lending : Conduct a thorough and meaningful investigation using original account documentation. 

Provide proof that I authorized and agreed to the account, if such proof exists. 

Immediately delete the account from all credit reports if it can not be fully verified. 

Cease reporting and collection activity related to this account. 

Ensure that this account is not reinserted or re-reported without proper documentation and notice. 

Conclusion I did not open, authorize, or benefit from the Kikoff Lending account being reported on my credit reports. The continued reporting of this derogatory account is inaccurate, harmful, and unsupported by evidence. I am seeking a fair resolution that removes this account and prevents further damage to my credit profile. 

I certify that the information provided in this complaint is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation