Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX at XXXX, XXXX ( Kikoff Support ) XXXX : From : " XXXX ( Kikoff Support ) '' XXXX Date : XX/XX/XXXX To : " XXXX '' XXXX Cc : Subject : [ Kikoff ] Re : TAKE NEGATIVES OFF MY CREDIT REPORT Due to the nature of fraud of claims, this matter has been escalated to me, and I was happy to conduct the investigation and resolution personally. 

To be approved for a Kikoff loan/credit account, an applicants identity/personal information must be verified. Since Kikoff does not conduct an upfront credit pull, at times not all security freezes may be detected at the application stage. As our company has been growing over the past year, verification procedures and safeguards have been actively updated - inclusive of better tools to detect fraud alerts without the need for a direct credit pull. But even with the best possible verification process, we are aware that issues may still arise from time to time, and support article information is not always updated/corrected as soon as we would like. 

Based on the information included in your fraud claim we have determined there is clear and sufficient evidence to remove this tradeline from your account history. We received formal disputes via the credit bureaus, and they have already been processed/notified accordingly. Thank you for bringing this to our attention, as we understand how this situation can be concerning. We appreciate your patience as this investigation was conducted. 
XXXX | Kikoff Customer Support On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : I will send police report Sent using the mobile mail app On XX/XX/XXXX at XXXX, Kikoff Support wrote XXXX From : " Kikoff Support '' XXXX Date : XX/XX/XXXX To : " XXXX '' XXXX Cc : Subject : [ Kikoff ] Pending request : Your ticket with Kikoff Customer Service This is an email to remind you that your request ( # XXXX ) is pending and awaits your response. If we don't receive a response within 1 business day, we will close this ticket. 

Hi Teesha, We acknowledge your response, all the product accounts in Kikoff is being done electronically by the account holder and customers are required to accept our terms and conditions before an account can be opened as their consent or authorization is mandatory. However, if you're claiming that you did not authorized opening any of these accounts, we can escalate this to fraud team for a more in-depth investigation. 

Prior to escalating this, if you happen to have a police report or an FTC report related to this issue, it would be incredibly helpful if you could forward it to us. This will allow us to expedite the review process and address your concerns as thoroughly as possible. 

Please know that were here to support you through this, and well keep you updated every step of the way. If you have any further questions or need additional assistance, dont hesitate to reach out. 

Thank you for your understanding and cooperation. 
Thanks, XXXX | Kikoff Customer Support On XXXX XXXX XXXX XXXX XXXX, XXXX XXXX wrote : I dont want to account nor one. Not sure why there is two accounts. Your biz seems sketchy Sent using the mobile mail app On XXXX XXXX XXXX XXXX XXXX, XXXX XXXX wrote : Hi XXXX, This is XXXX with Kikoff Customer Escalations following up regarding your email about your request to remove the negative information on your credit report. I would first like to apologize for any inconvenience that you may have experienced and thank you for your patience and understanding. 

After a comprehensive review, you have two accounts enrolled with us which is the Credit Account and the Credit builder Loan. Allow me to further discuss these accounts with you. 

Your Kikoff Credit Account provides a credit line of {$750.00} that is reported to the major credit bureaus to help build your credit profile. It serves the purpose of helping you establish a positive credit history by financing Kikoff products and services. The Kikoff Credit Line is designed specifically for financing the purchase of Kikoff products and services. As per checking, your Credit Account has been renewed. 

The auto-renewal feature is enabled by default when a Credit Account is opened, and this has been indicated with a statement displays " I understand I will be opening a Kikoff Credit Account and will be responsible for monthly payments. Credit service auto-renews yearly. Cancel anytime. ( Auto renew ) '' before you confirm your payment method upon account opening. 

For your convenience, we can confirm that we have sent email reminders to you, at least 30 days prior to the auto-renewal taking effect, thereby enabling you to manage your auto-renewal settings. However, we have not received any correspondence from you about the cancellation of your account 's auto renewal. 

With utmost diligence, payment reminders were successfully sent to the email address on file for you, which were received as intended. However, we do not have any record of communication from you regarding inquiries about the account 's operation, late payment avoidance, or closure procedures. 

We understand that you have a Credit Account that was opened on XX/XX/XXXX, and closed on XXXX XXXX, due to a series of missed payments. As you are aware, Kikoff is bound by strict lending rules and regulations, and we are required to report your payments accurately to the credit bureaus, as mandated by the Fair Credit Reporting Act ( FCRA ), regardless of payment status. See the attached payment history as a reference. 

It's important to clarify that the Credit Account is separate from the Credit Builder Loan. The Credit Builder Loan account provides a voucher for any {$10.00} payments made towards this account upon completion or closure. Upon reviewing your account, you have a {$120.00} funds that you can still withdraw. To withdraw your Credit builder Loan funds, please follow these steps : 1. Log into your account. 
2. In your dashboard, find the link labeled " Withdraw your savings now. '' 3. And you can transfer it to your external bank account. 

Our responsibility involves furnishing information to relevant credit bureaus through the reporting of data. Kikoff strictly adheres to lending rules and regulations, compelling us to ensure the accuracy of payment information reported to credit bureaus. As a result of these regulatory obligations, as much as we love to take that negative information off from your account it is not possible for Kikoff to do so since the report has already been furnished to the bureaus. 

We understand if this is not the answer that you were seeking, but we hope this offers greater clarity to the situation. If you have any questions, please don't hesitate to reach back out! I'm more than happy to help! 
Thanks, XXXX | Kikoff Customer Support XXXX XXXX PDF

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief