Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: WI

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Willful Misreporting of XXXX Delinquency by Kikoff Lending LLC ( Account No. XXXX ) FCRA Violations Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Respondent : Kikoff Lending LLC ( XXXX  # XXXX ) XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Email : XXXX ( XXXX : XXXX ) Website : XXXX : XXXX XXXX of Complaint : This is a formal complaint regarding * * inaccurate and unlawful credit reporting * * by Kikoff Lending LLC , who has reported my account ( No. XXXX ) as * * 90 days past due * * to consumer reporting agencies, without adequate documentation, validation, or notice as required by federal law. This conduct violates the * * Fair Credit Reporting Act ( FCRA ) * * and is causing harm to my credit reputation and financial standing.

Legal Basis for Complaint : 1.Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Kikoff, as a data furnisher, has an affirmative legal duty to provide complete and accurate information to the credit bureaus. Reporting a 90-day delinquency without proper substantiation violates this obligation.

2.Violation of FCRA 1681s-2 ( b ) : Upon receiving a dispute, Kikoff is obligated to * * conduct a reasonable investigation and correct or delete inaccurate, unverifiable, or incomplete information. Kikoff has failed to provide : * A copy of the billing history substantiating any late payments; * Documentation of the terms of the alleged delinquency ; * Verification that the reporting was accurate and not outdated or erroneous.

3.Violation of FCRA 1681i ( a ) : I have disputed this information directly, yet Kikoff failed to correct or delete the information or provide any results of a lawful reinvestigation.

4.Case Law Precedent : Cushman v. Trans Union Corp. , 115 F.3d 220 ( 3d Cir. 1997 ) : A furnishers duty to investigate must go beyond a cursory review ; a reasonable investigation must be thorough and include validation of the reported item.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Continued reporting of inaccurate information without proper reinvestigation can result in liability for damages.

5. Regulatory Concern : Kikoff is licensed as a non-bank fintech company. Their payment reporting practices are subject to federal oversight, and as a New Mexico licensee, they are additionally bound by * * NM Financial Institutions Division standards * * and fair business conduct rules.

Remedies and Relief Requested : 1. * * Immediate deletion * * of the 90-day past-due notation from all credit bureaus ( Experian, Equifax, and TransUnion ) ; 2 . Written confirmation of deletion or correction from Kikoff Lending LLC ; 3. A copy of * * all documentation Kikoff used * * to report and verify the 90-day delinquency ; 4. A full investigation by the CFPB into whether Kikoff is engaging in * * systemic misreporting or FCRA noncompliance * * ; 5. Consideration for * * civil penalties and regulatory enforcement * * if Kikoff is found to be in violation.

-- - Escalation Path & Additional Background : * I attempted to resolve this matter directly with Kikoff by emailing [ XXXX ] ( mailto : XXXX ), but I received no meaningful response or resolution. 
* Kikoff has not complied with FCRA-mandated notice, verification, or correction procedures.

* I am aware of their obligations under both federal law and their regulatory status in New Mexico and other jurisdictions.

* I reserve the right to escalate this matter to my states Department of Financial Institutions and to seek private legal actio
n for damages if unresolved.

Supporting Documentation : * Copy of the credit report reflecting the 90-day past-due notation * Copy of my prior dispute correspondence * Records of contact ( email/chat ) with Kikoff Conclusion : Kikoffs actions are not only damaging to my credit profile, but they also reflect a broader issue of noncompliance with consumer protection laws. I respectfully request the CFPB investigate this matter thoroughly and take all necessary actions to ensure the item is removed, and Kikoff is held accountable under the law. 

Submitted by : XXXX XXXX XXXX

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