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:
Kikoff Lending LLC ( Installment Account ) Re : CFPB Complaint for Inaccurate/Improper Credit Reporting Kikoff Lending LLC ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this complaint regarding Kikoff Lending LLC and the credit reporting of the installment account listed below, which contains inaccurate, incomplete, and unverified information.

Creditor : Kikoff Lending LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Date Closed : XX/XX/year> Reported Status : Paid, Closed ; was 90 days past due Balance : {$0.00} Payment Received : {$120.00} Last Payment : XX/XX/year> Estimated Removal : XXXX/2030 I am requesting immediate assistance from the Consumer Financial Protection Bureau because the information being furnished appears to violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Regulation V ( 12 CFR Part 1022 ).

ISSUES WITH THE REPORTING 1. The 90 days past due status is inaccurate, unverified, and misleading.

The account is reported as Paid & Closed but also shows 90 days past due, which does not align with the payment history.

Kikoff must verify this information with actual records. Failure to do so violates : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting of information known to be inaccurate Regulation V ( 1022.42 ) Requires reasonable procedures to ensure accuracy and integrity 2. The payment schedule is reported incorrectly.

The tradeline states : Terms : {$0.00} per month, paid monthly Loan Type : Secured Installment account requiring monthly payments Reporting a {$0.00} payment requirement contradicts the payment structure of an installment loan. This inaccuracy affects credit scoring and violates : FCRA 607 ( b ) Maximum possible accuracy FCRA 602A Protection from misleading or inaccurate credit reporting 3. The timeline of payments and delinquency is inconsistent. 

The tradeline shows : Last payment date : XX/XX/year> Account closed : XX/XX/year> High balance history showing only XXXX and XXXX A past due status of 90 days, despite payments reflected Kikoff must produce full documentation to verify the dates they reported, per : FCRA 611 ( a ) ( 1 ) ( A ) Requirement to verify disputed information FCRA 623 ( b ) Duty of furnishers to investigate upon notice of dispute 4. If Kikoff can not verify the delinquency and dates with complete records, this reporting must be corrected or deleted.

Under FCRA 611 ( a ) ( 5 ), unverifiable information must be removed.

REQUEST FOR CFPB ACTION I am respectfully requesting the CFPB ensure the following : 1. A full reinvestigation into the accuracy of this tradeline.

2. Kikoff Lending LLC must provide complete documentation showing : Actual payment schedule Amount owed during each month When/if the account was ever 90 days past due Proof supporting the past due status 3. Removal or correction of any information that can not be fully verified.

4. Immediate update of the account to reflect accurate and non-misleading information.

5. Assurance that Kikoff complies with FCRA 623 ( a ) and 623 ( b ) requirements moving forward.

CERTIFICATION I certify that all statements made in this complaint are true and based on the information available to me. I am requesting CFPB assistance because inaccurate reporting is impacting my creditworthiness and financial opportunities.

Thank you for your attention.

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