Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NC

Complaint narrative:
To Whom It May Concern at Kikoff Lending LLC, I am submitting this formal dispute and demand for corrective action regarding the inaccurate reporting of a XXXX past due status on my credit file and the continued reporting of this account despite my prior request to have the account closed. 

I previously notified Kikoff that I requested closure of this account and disputed responsibility for the reported delinquency. Despite this notification, Kikoff has continued reporting a XXXX past due status, which is inaccurate, harmful, and legally improper. This reporting is damaging my credit profile and constitutes furnishing information that is incomplete, misleading, or unverifiable.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers of credit information are required to report accurate information and must conduct a reasonable investigation when a consumer disputes reported data. Additionally, 15 U.S.C. 1681e ( b ) requires maximum possible accuracy in consumer reporting. Reporting delinquency after receiving notice of dispute and closure request demonstrates failure to maintain reasonable procedures and failure to conduct a lawful investigation. 

Further, if Kikoff continues to report negative payment history after receiving notice that the account was disputed and requested to be closed, such conduct may constitute furnishing information known or reasonably suspected to be inaccurate, which is prohibited under federal law.

I am demanding the following immediate corrective actions : 1. Removal of the reported XXXX past due status from all consumer reporting agencies. 
2. Immediate closure of the Kikoff account.

3. Permanent deletion of this tradeline from my credit history if Kikoff can not produce competent documentary evidence proving I am contractually and legally responsible for the alleged delinquency.

4. Written confirmation of the actions taken and the results of your investigation.

5. Disclosure of the method of verification used to support any continued reporting. 

Please provide, if you intend to continue reporting, complete documentation including : Signed agreement or authenticated electronic authorization Full payment and billing history Account opening verification records Any communications showing my consent or responsibility Method of verification used during reinvestigation Failure to correct or delete this inaccurate reporting will result in immediate escalation of this matter to the Consumer Financial Protection Bureau ( CFPB ), the North Carolina Attorney Generals Consumer Protection Division, the Federal Trade Commission ( FTC ), and any other appropriate regulatory and enforcement agencies. I will also document Kikoffs conduct as potential violations of the Fair Credit Reporting Act and applicable state consumer protection statutes. 

This letter serves as formal notice that I am disputing the accuracy, completeness, and legal validity of this reporting. If you can not provide competent verification, federal law requires deletion of the disputed information. 

Please respond in writing within 30 days of receipt of this correspondence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation