Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Kikoff Lending LLC for what I believe to be inaccurate reporting practices and noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, my complaint concerns discrepancies in the timing and reporting of a charge-off on my account, which I have already raised multiple times without resolution. 

Account Information : Account Name : Kikoff Lending LLC Status : Account charged off on XX/XX/XXXX Balance : {$200.00} Delinquency : Reported as 120 days past due as of XX/XX/XXXX Background : Kikoff has consistently stated that my account was charged off 180 days after the XX/XX/XXXX missed payment. However, this contradicts the information I see on my XXXX credit report. 

XX/XX/XXXX : A payment was made XX/XX/XXXX : No data reported ( ND ) XX/XX/XXXX : 30 days past due reported XX/XX/XXXX : 90 days past due reported Given this timeline, a charge-off in XX/XX/XXXX would occur only 150 days after the initial delinquency in XX/XX/XXXX, falling short of the XXXX charge-off requirement mandated by federal guidelines. 

Violations : Failure to Ensure Maximum Accuracy ( FCRA 607 ( b ) ) : Kikoff failed to ensure the maximum possible accuracy of the data being reported to the credit bureaus. The discrepancy in the delinquency timeline indicates Kikoff did not follow reasonable procedures to verify the accuracy of the information before reporting it. 
Failure to Conduct a Proper Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) : After I raised concerns, Kikoff did not properly investigate the charge-off, which should have involved a review of all relevant data and corroborating information from multiple bureaus. Instead, they simply reaffirmed their internal policy without providing evidence that an adequate reinvestigation was performed. 
Failure to Update or Correct Inaccurate Information ( FCRA 623 ( a ) ( 2 ) ) : Under FCRA 623 ( a ) ( 2 ), Kikoff was required to correct or update any inaccurate information. Despite the clear discrepancies, Kikoff has refused to delete or amend the erroneous charge-off date, violating this requirement.

Willful or Negligent Noncompliance ( FCRA 616, 617 ) : Kikoffs repeated failure to investigate my dispute and provide a satisfactory resolution may constitute willful or negligent noncompliance with the FCRA. Given that this is my third complaint, Kikoffs continued refusal to address the issue could be seen as intentional and in violation of consumer protection laws.

Failure to Provide Documentation ( CFPB and FTC Guidelines on Reasonable Investigations ) : In accordance with the CFPB Bulletin 2014-01 and FTC guidance , furnishers like Kikoff are required to review underlying documents, not just database entries, during investigations. Kikoff has not provided any supporting documentation that justifies the charge-off date, and they have not cross-verified the dates across all three credit bureaus as I requested. 
Inconsistent Reporting Across Credit Bureaus ( Fair Business Practices ) : Kikoff reported no data in XX/XX/XXXX on my XXXX  report, which is a unique entry not found in the reporting from the other bureaus. This inconsistency further complicates the validity of Kikoffs reporting and suggests a violation of fair business practices under the FTC Act.

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