Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
Yes their is plenty of information wrong on XXXX XXXX like that it dropped XXXX points cuz my credit card builder was closed n I owed nothing itl talk to the company and it was opened n never closed it says closed on XX/XX/XXXX when its XXXX n on the XXXX I payed this company kickoff to report some information on my account they charge me money like XXXX dollars for example like areas phone numbers n fix info they did it all wrong n they charged me to get the fill benefit they wanted me to sign up for the plan of XXXX dollars I didnt like their service was their maybe XXXX minutes then I closed the account with them but say I might be back I received an email that they were gon na report to all creditors so I dont know if they did on bad intention cuz I closed and a count I payed for their sevirces but they wanted me to pay more like XXXX dollars a month th to fix my credit I have a lot of debt that why I keep on time with payments also cuz XXXX  XXXX asked for my reports cuz XXXX XXXX told me I had a high average on getting approved like XXXX different cards that affected me I never told them to pull out my records called XXXX XXXX for all information they just hang up on me and kick off send me and email saying since I closed my account with them not even XXXX minutes into it I was asked to upgraded to a XXXX dollars plan n I was like I cant! So I think it was malicious I send to reports in about XXXX  and XXXX  and they said everything is ok now kick off got mad cuz I didnt want to participate in their XXXX dollars program so everything they send affected me XXXX points and all the credit I had with companies have dropped significantly a lot like XXXX to XXXX dollars n use my credit for resources cuz I live a monthly check of ssi so Im use them to help me out n Im on time with my payments now theyre is this other company called XXXXXXXX XXXX XXXX  it promised me like a wonderful credit card ok they began by charging XXXX dollars for member ship n in the application it said it was a XXXX credit limit once I get in the company it was a tell XXXX limit once my account i try using it every where no it wont go through at all I know theyre gon na report me to get the XXXX they want me to direct deposit XXXX dollars and I dont have that money XXXX then they told me well XXXX dollars I did didnt work they send me a msg I have to direct deposit n I dont want to change banks so I think its gon na end up in my credit report false advertisement and card wont work anywhere made like to payments their still. In process I doubt like their gon na go through its fraud my limit after I wasted on membership and deposit was like XXXX dollars only have XXXX dollars and it still doesnt work they want a deposit of XXXX dollars so all my info is wrong n ended in my credit report XXXX XXXX kickoff and XXXXXXXX XXXX XXXX XXXX like to make a report before they do on XX/XX/XXXX it chaos cuz my credit was it good standing n for unprofessional people it dropped XXXX points I dont get approved for big amounts so I want to report all this cuz I love by credit I get out of XXXX to XXXX for XXXX days to drop XXXX points and XXXX  XXXX too it affected me even though I was denied

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