Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
To whom it may concern at XXXX XXXX and KICKOFF LENDING LLC Affiant Lawfully and respectfully demands you to CEASE AND DESIST from all further reporting on the consumer report associated to my estates name / consumer report Affiant requests that you and your agency provide proof of contract and proof of permission to run my credit Please send the time and dates as well as my signature giving you permission to report on my consumer repot Pursuant 15 U.S.C. 1666b - Timing of payments Pursuant 15 U.S.C. 44 I request documentary evidence including all documents papers and correspondence as well as book s of accounts and corporate records I have provided a few laws that you and your agency are not in compliance with ....

Contract Case Law : Failure to reveal the material facts of a license or any agreement is immediate grounds for estoppel. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

Waivers of fundamental Rights must be knowing, intentional, and voluntary acts, done with sufficient awareness of the relevant circumstances and likely consequences. XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

Unconscionable contract - One which no sensible man not under delusion, or duress, or in distress would make, and such as no honest and fair man would accept. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX, XXXX. 

" Party can not be bound by contract that he has not made or authorized. '' XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX. 

The fraudulently presumed quasi-contractus that binds the Declarant with the CITY/STATE agency , is void for fraud ab initio, since the de facto CITY/STATE can not produce the material fact ( consideration inducement ) or the jurisdictional clause ( who is subject to said statute ). ( SEE : Master / Servant [ Employee ] Relationship -- XXXX ) -- Personal, Private, Liberty- Since the consideration is the life blood of any agreement or quasi-agreement, ( contractus ) ... the absence of such from the record is a major manifestation of want of jurisdiction, since without evidence of consideration there can be no presumption of even a quasi-contractus. Such is the importance of a consideration. XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Case Law excerpts from - 'NO law requires you to record/ pledge your private automobile ' Maxim of Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. Nothing is so natural as to dissolve anything in the way in which it was bound together ; therefore the obligation of words is taken away by words ; the obligation of mere consent is dissolved by the contrary consent. 


The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

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