Consumer complaint received 2024-12-27 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: VA

Complaint narrative:
I am sending another complaint on kik off followed by other government complaints I ill file on them.They are being liars and very deceptive when it comes to my credit report. I have asked them to remove this account from my credit report as the agent from kik off stated this account has been under dispute MULTIPLE TIMES and every single time they VERIFIED THE INACCURACY AS VERIFIED EVEN WHEN IT WAS INCORRECT. In my previous dispute I attached the information from each credit report agency. XXXX, XXXX AND XXXX. XXXX then responds and states it was from third party sources WHICH IS INACCURATE IT WAS FROM THE CREDIT REPORTING AGENCIES then she requested to send my full credit report which does not make sense because thats where the information came from wether it was a screenshot or not. it came from the three credit bureaus they report to and im not sending my full credit report because JUST THEIR part on my credit report that identifies as kickoff is all they need to know. My credit report was pulled by me on XX/XX/XXXX XXXX When checking the information on the report I pulled today they have adjusted the inaccuracy. That was not my request as they had NUMEROUS TIME WHICH MEAN THEY DID NOT INVESTIGATE IT CORRECTLY WHEN DISPUTING THE OTHER 5 TIMES. She then responds with a fcra law as if she is not violating mine and has been and each time the inaccurate info stayed on my report that they verified was inaccurate but still manage to report it is violating my fcra rights. I am going to my attorney state general and more when it comes to her because she's being very deceptive and not being truthful with these repossess. I have all my information and track records each time she responds because even the first response was wrong. It will show she's being deceptive and was not truthful clearly for her fixing the inaccuracy as of XX/XX/XXXX. I WENT MONTHS AND WEEKS with inaccurate information I voiced wrote and more about. THEY NEVER FIXED IT.. Kik has done there investigation and verified it was accurate also use fcra laws in response when clearly violating mines more than one actually. Thats investigation is not true I pulled all three credit reports and they DO NOT report the same information on all three credit reporting agencies. XXXX, XXXX, XXXX. Lets start with the double entries of charge off. It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I have made them aware and they chose to keep it on my report. I pull up the information from kik on the app and it does not match what the response was in the letter let alone the utilization rate shows on the credit report. which is wrong and misleading. I was recently denied an treated unfairly due to what they were reporting. This accounts needs to be removed from all three credit reporting agencies as they are not reporting accurate or the same on either credit reporting agency credit report of mine. I am also requesting payment for damages under 15 U.S. Code 1681n - Civil liability for willful noncompliance-If any credit reporting agency or furnisher willfully fails to comply with the terms of the FCRA, it is liable to the consumer for actual damages or statutory damages between {$100.00} and {$1000.00}, punitive damages, and the consumers reasonable attorneys fees and costs. Per FCRA 15 USC 1681 A ( 2 ) ( A ) ( i ) -Exclusions- transactions are not included on the credit report. LATE PAYMENTS ARE A FORM OF A TRANSACTION. With late payments reporting to the credit report this is a direct violation of the FAIR CREDIT REPORTING ACT. THESE are actual fcra laws that kick off must abide by I requested it for it to be removed once and they didn't now im requested damages and removal from all three. Below I will show my finding a shows each reporting from the credit ensures and how kid off is reporting. all credit reporting agencies must report the same information an its not. Also my account with kik that I have will show that and the actual close date of XX/XX/year> not XX/XX/year> as XXXX responded from kik an the utilization rate of 9 % and its reporting different on the credit bureaus. I also attached the fill response from XXXX. Kik off had a chance to make it right but not this account needs to be removed immediately or further. legal action will take place. The creditor XXXX, XXXX and XXXX will need to pay for the inaccuracies and kik off needs to remove this from my report as verified inaccurate five times! violating my fcra rights multiple times I also uploaded my kik off account screenshot and you can see it's not reporting the same either I will be forwarding to the other government complaints as well. 
Another frequent FCRA violation is the failure of furnishers of information, like lenders and debt collectors, as well as credit reporting agencies, to investigate disputes after consumers initiate them. ( 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( XXXX  ). ) When a consumer identifies incorrect information in their credit report and disputes it, furnishers are required to promptly investigate and update the information if it was indeed incorrect. If the furnisher ( or credit reporting agency ) fails to do so, that's an FCRA violation.

Company response to consumer: Closed with explanation