Consumer complaint received 2026-01-04 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: SC

Complaint narrative:
SECTION 1 FORMAL NOTICE OF DISPUTE To Whom It May Concern, This letter constitutes a formal dispute and demand for correction pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I am disputing all unauthorized hard and soft credit inquiries, as well as inaccurate personal identifying information, currently appearing on my consumer credit files with your bureau. 
Copies of my consumer credit report pages are included with this dispute and incorporated herein as supporting documentation. 
SECTION 2 DISPUTE OF ALL CREDIT INQUIRIES ( HARD & SOFT ) I dispute every hard and soft inquiry reflected on my consumer report, including but not limited to those associated with : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX ( all addresses and variations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( any and all inquiries, reviews, or access attempts ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Kikoff inc Kikoff lending inc XXXX  Any additional inquiryhard or softappearing on my consumer report I did not apply for credit, prequalification, account review, insurance underwriting, membership services, or any other product or service with these entities. 
I did not provide written, electronic, verbal, or implied authorization for my consumer report to be accessed. 
Absent proof of a valid permissible purpose under 15 U.S.C. 1681b and direct consumer authorization, these inquiries are inaccurate and must be deleted. 
SECTION 3 NO CONTRACTUAL LIABILITY To the extent any inquiry is associated with an alleged account or obligation, I explicitly dispute liability.

I have no contractual relationship with the entities listed above. No original signed application, agreement, or authorization has been produced.

Continued reporting without verification violates FCRA 1681e ( b ) and 1681i. 
SECTION 4 PERSONAL INFORMATION DISPUTE ( ADDRESSES & PHONES ) I am formally disputing ALL addresses and phone numbers appearing on my credit file EXCEPT the following, which are accurate and must remain : KEEP DO NOT REMOVE Address : XXXX XXXX XXXX XXXX, SC XXXX Phone Number : XXXX REMOVE Any prior, alternate, incomplete, misspelled, or unverifiable addresses Any phone numbers other than XXXX Any personal identifying information not verifiable as accurate and current must be deleted immediately under FCRA 1681e ( b ). 
SECTION 5 FRAUD ALERT Due to the volume of unauthorized inquiries and inaccurate personal data, I am requesting the placement of a fraud alert on my credit file and expedited handling of this dispute. 
SECTION 6 DEMAND FOR ACTION I am requesting that your bureau : Conduct a reasonable reinvestigation of all disputed inquiries and personal information Delete all inquiries lacking a valid permissible purpose and proof of authorization Remove all addresses and phone numbers except those explicitly listed to remain Provide written confirmation of all deletions and corrections Failure to comply may constitute violations of the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation