Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: LA

Complaint narrative:
CFPB Complaint / Dispute Letter ( Kikoff Charge-Off ) Re : CFPB Complaint & Formal Dispute Kikoff Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of FCRA, Reg V , and Furnisher Responsibilities To Whom It May Concern, I am filing this complaint to notify you that the information being furnished and reported regarding the following account is inaccurate, incomplete, and unverified : Creditor : Kikoff Inc Account Number : XXXX XXXX XXXX XXXX XXXX Balance Reported : {$220.00} Pay Status : Charge-off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment Reported : XX/XX/XXXX I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) and Regulation V ( 12 CFR Part 1022 ). The information currently being reported violates multiple provisions that require accuracy, integrity, and the ability to verify all furnished data. 



ISSUES WITH REPORTING 1. The charge-off balance and dates appear inaccurate and unverified. 

The reported balance of {$220.00} and listed charge-off date conflict with the payment history. Kikoff is required under FCRA 623 ( a ) ( 1 ) ( A ) to furnish only accurate information and maintain full documentation. If the furnisher can not verify the balance with complete billing records, the information must be corrected or deleted. 

2. Payment information is incomplete or misleading. 

The account is listed as Paid Monthly but reports no payments after the opening date, which suggests incomplete or inaccurate furnishing. This violates : FCRA 607 ( b ) Maximum possible accuracy Regulation V 12 CFR 1022.42 Furnishers must have reasonable written policies and procedures for accuracy and integrity 3. The creditor failed to provide proper verification after the account was disputed. 

Under FCRA 623 ( a ) ( 3 ), once I dispute an account, the furnisher must : Conduct a reasonable investigation Verify the information with actual records Report the account as disputed If Kikoff can not validate the reported data, it must be removed according to FCRA 611 ( a ) ( 5 ). 



VIOLATIONS The current reporting raises potential violations of : FCRA 602A Right to fair and accurate credit reporting FCRA 607 ( b ) Duty to assure maximum possible accuracy FCRA 611 Right to dispute and request reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Prohibition on reporting inaccurate information FCRA 623 ( a ) ( 3 ) Requirement to mark account as disputed Reg V 12 CFR 1022.42 Reasonable accuracy procedures REQUEST FOR ACTION I am requesting the following through this CFPB complaint : 1. A full and reasonable investigation of the account. 
2. Complete documentation proving : The original balance Payment history Charge-off date All account calculations 3. Correction or deletion of any information that can not be fully verified with original records. 
4. Immediate update of the account as consumer disputes this account, as required by law. 
5. A full written explanation of the results of the investigation. 

If the furnisher can not validate the information per the FCRA, the account must be deleted and the credit bureaus notified. 



CERTIFICATION I certify that the information in this complaint is true to the best of my knowledge and is being submitted to resolve inaccurate or unverified credit reporting.

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