Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Kickoff Lending, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Kickoff Lending, in your recent response letter regarding my dispute about the alleged late payments to the above account, you assure understanding of the impact that accurate payment history can have on a credit report, and that it is your goal to support the consumer in maintaining positive credit outcomes. I am led to believe this narrative to be FALSE, and that you do not care about furnishing accurate information to my consumer report because if you did you would consider proper compliance and procedures in accordance with the FCRA! You, Kickoff Lending are still furnishing inaccurate information to my consumer report and here is how : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 
The only way a creditor can treat a payment as late falls under : 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. These requirements have nothing to do with an overlooked email. 

In order for any creditor to treat a payment as late you must prove that : ( 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

( 2 ) 15 USC 1637 ( b ) is very specific on ALL required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not! It is evident that TRANSACTIONS and EXPERIENCES are not to be furnished to my consumer report, and I have not received any of the required notices in the mail in reference to 1666b along with 1637 ( b ) to meet the standard of compliance according to the FCRA. You should have the requested proof of compliance if you are reporting accurate information as you claim to be. These compliance measures have no relevance to a terms of agreement form, list of scheduled payment dates, and a generous grace period. These factors do not suffice for accurate furnishing to my consumer report, therefore, the genuine alleged late or missed payments must be removed from the account, regardless of status. 

Do not tell me the alleged late payments being furnished to my consumer report is verified when you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and ALL the documents required with 15 USC 1666b,1637 ( b ) and the notice from 15 USC s-2 ( 7 ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : Account # XXXX Regards, XXXX XXXX _________________________________ Without Recourse UCC XXXX

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