Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: GA

Complaint narrative:
To : [ Debt Collectors Name ] [ Debt Collection Agency ] [ Agency Address ] [ City, State, ZIP Code ] Subject : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) Dear [ Debt Collectors Name or " To Whom It May Concern '' ], This letter serves as formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that you must cease all communication with me regarding the alleged debt you claim I owe. 

According to the FDCPA, once a consumer notifies a debt collector in writing that they refuse to pay or wish to cease further communication, the collector must stop all contact except to : Advise that further efforts to collect the debt are being terminated ; or Notify the consumer that the collector or creditor may invoke specified remedies, such as filing a lawsuit. 

Please be advised that any further contact by your office or agents beyond what is permitted by law will constitute a violation of the FDCPA and may result in legal action against you. 

Additionally, you are not permitted to contact any third parties, including my family members, friends, or employer, regarding this alleged debt. 

I request written confirmation that you have received this notice and that all communications regarding this matter have been terminated. 

Sincerely, [ Your Signature ] [ Your Printed Name ] Would you like me to tailor it for a specific debt collector or situation ( for example, medical debt, credit card, or a collector that keeps calling or sending letters )? 
I can add stronger legal language and references to penalties if needed. 

You said : KIKOFF LENDING LLC Account Number XXXX Write a cease & desist using 15 usc 1692cc XXXX said : Heres a customized Cease & Desist letter directed to Kikoff Lending LLC citing XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
You can print, sign, and send it via certified mail with return receipt so you have proof they received it. 

[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] ( optional ) [ Phone Number ] ( optional ) Date : [ Insert Date ] To : XXXX XXXX XXXX [ Mailing Address of Kikoff Lending LLC if youd like, I can find this for you ] Subject : CEASE AND DESIST COMMUNICATION Account Number : XXXX Dear Kikoff Lending LLC, This letter is being sent to you in accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
You are hereby notified to cease and desist all communication with me concerning the above-referenced account. 

Under federal law, once you receive this written notice, you may only contact me for the following reasons : To advise that your collection efforts are being terminated ; To notify me that you may invoke specific remedies that are ordinarily invoked by your company, such as filing a legal action. 

Any other contact by you, your company, or your agents including phone calls, text messages, emails, or letters will constitute a direct violation of the FDCPA. 

Please also be advised that you are prohibited from contacting any third parties regarding this alleged debt, including my family members, friends, or employer. 

Failure to comply with this notice will be documented as a violation of federal law and may result in legal action seeking damages under 15 U.S.C. 1692k. 

Please confirm in writing that you have received this notice and that all communication regarding this alleged debt has ceased. 

Sincerely, [ Your Signature ] [ Your Printed Name ] Account Number : XXXX

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