Consumer complaint received 2025-12-09 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: LA

Complaint narrative:
Subject : CFPB Complaint Inaccurate Credit Reporting & Failure to Comply with FCRA Requirements Account Number : XXXX XXXX To Whom It May Concern : I am filing this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and notifying you that I XXXX submit this issue to the Consumer Financial Protection Bureau ( CFPB ) due to improper credit reporting, incomplete data, and lack of legally required verification. 

The following account is being reported inaccurately on my credit report : Creditor : XXXX XXXX XXXX XXXX Account Type : Revolving / Charge Account Status : Charge-Off Balance : {$140.00} Credit Limit XXXX {$2500.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Issues and Violations Being Reported XXXX. Failure to Report Accurate and Complete Information FCRA XXXX ( a ) ( XXXX ) ( A ) You are reporting incomplete and potentially inaccurate information includingbut not limited tomissing fields such as High Credit, Original Creditor, Terms, and Activity Designator. Under the FCRA, you are required to report complete and accurate information. 

XXXX. Failure to Provide Adequate XXXX of the XXXX XXXX I dispute the alleged delinquency and the charge-off designation. I request full documentation including : Proof of the original signed agreement Complete payment history Verification of the Date of First Delinquency Proof that the account meets the conditions for a legal charge-off If you can not fully verify each element, the account must be corrected or removed. 

XXXX. Potential Violation of FCRA 611 Reasonable Reinvestigation If you reported this information to the credit bureaus without possessing verifiable documentation, you may be in violation of FCRA 611 and 623. 

XXXX. Failure to Report Transfer or Ownership Status FCRA 623 ( a ) ( 2 ) The credit report lists : Purchased From : Sold To : If this account has ever been assigned or transferred, you are legally required to report the correct status.

5. If Any Third Party Has Collected This Debt FDCPA 809 ( b ) If a third-party collector was involved at any stage, I am asserting my right to full validation. If the debt can not be validated, it must not be furnished to consumer reporting agencies.

Requested Action Under the FCRA, I request the following : 1. Conduct a full investigation into the accuracy of this account.

2. Provide all documentation supporting the validity of the charge-off, DOFD, and balance.

3. Correct or delete any information that can not be fully verified. 
XXXX. Provide me with written confirmation of the results of your investigation. 

If you fail to properly investigate or continue reporting unverifiable information, I will escalate this to the CFPB, the Attorney General, and other regulatory authorities. 



Response Required You are required to respond within the legally mandated timeframe : 30 days for FCRA investigation 5 days to notify CRAs of corrections or deletions Failure to comply will result in a formal CFPB complaint.

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