Consumer complaint received 2025-08-27 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: Kikoff Inc.
State: NM

Complaint narrative:
Furnisher : Kikoff Lending LLC Consumer Reporting Agency : XXXX  I am filing this complaint to report inaccurate and inconsistent credit reporting involving Kikoff Lending LLC and XXXX. On XX/XX/year>, I sent by certified mail a dispute to Kickoff Lending XXXX about what they are reporting to XXXX XXXX XXXX XXXX. I disputed derogatory information reported by Kikoff to XXXX, where it states on my report that the account balance is {$0.00}, and the status states : CLOSED; was over 120 days past due. On XX/XX/year>, Kikoff provided me through email that they would not be removing the account and that everything is accurate, and they would not be removing or updating any information. They also provided payment history and account ledger, which does not match the payment history XXXX  is currently reporting. On XX/XX/year>, I responded through email to Kickoff, stating that I do not believe they have the correct information and that I was asking them to remove the derogatory information since their payment history does not match my accounting of paying them. On XX/XX/year>, they responded that Kickoff strictly adheres to lending rules and regulations, compelling us to ensure the accuracy of payment information reported to credit bureaus. As a result of these regulatory obligations, it is not possible to remove any of those reported late payments from your credit report. On XX/XX/year>, I made a formal complaint to the CFPB XXXX about XXXX  disputing inaccurate and potentially outdated information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, as of today XX/XX/year> the complaint is still open and they have not completed their research, nor have they provided an updated response with the findings. On XX/XX/year>, or at the end of XXXX, I called XXXX  and filed a dispute for them to reinvestigate the closed account with {$0.00} balance, Kickoff Lending LLC. On XX/XX/year>, XXXX  mailed its response to the reinvestigation confirmation # XXXX that they closed its reinvestigation, claiming the information was accurate, despite clear inconsistencies. The reinvestigation results stated : THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED. XXXX  ADDITIONAL INFORMATION XXXX  CLOSED DATE XXXX DATE OF LAST PAYMENT XXXX  HISTORICAL ACCOUNT INFORMATION. On XX/XX/year>, I called XXXX  to speak about the results from the reinvestigation and they stated that even though they clearly could see the inconsistencies and that he agreed the account ledger provided in the dispute results does not match whatsoever the original data furnished from Kickoff that they could not do anything to change what was on my report nor could they be responsible. I also told him the data furnished to XXXX XXXX XXXX shows a completely different payment history, and the data was completely different from what they furnished to XXXX. He said the only thing they could do was open a new dispute. They said I have to contact Kickoff Lending LLC and work this out with them. That if any information can be changed on my report, it can only be changed by Kickoff sending XXXX  what can be changed or removed from the account. 

Violations : Kikoff Lending furnished inconsistent and unverifiable information ( 15 U.S.C. 1681s-2 ( b ) ). 
XXXX  failed to conduct a reasonable reinvestigation and continues to report inaccurate information ( 15 U.S.C. 1681i ).

Requested Resolution : Immediate removal of derogatory marks and late payment notations from my credit report.

Verification of the correct payment history based on documented evidence. 

Written confirmation of corrective action. 


Damages : This inaccurate reporting has negatively impacted my creditworthiness, causing financial harm and distress. I am prepared to pursue statutory, actual, and punitive damages if not promptly corrected.

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