Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: TX

Complaint narrative:
Formal Complaint Against XXXX for Refusal to Delete Fraudulent Account Despite Proof of Identity Theft. Willful Violations of Federal Law XXXX has willfully refused to delete or block a fraudulent account ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) despite being provided with full proof of identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). The companys failure to act constitutes ongoing violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Gramm-Leach-Bliley Act, resulting in continuing harm and defamation of my credit profile. 


On XX/XX/year>, I notified XXXX in writing that the account listed under Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing on my credit report was fraudulent and directly linked to a documented identity-theft incident. Along with my dispute, I submitted all legally required documentation, including : - FTC Identity Theft Report - Police Report - Government-issued drivers license - Recent utility bill confirming my identity and residence. 

Under FCRA Section 605B, XXXX was required to block and delete the fraudulent information within four ( 4 ) business days of receiving proper documentation. However, even after this deadline and multiple notices, XXXX has refused to take corrective action. The fraudulent account continues to appear on my credit reports with XXXX, XXXX, and XXXX. 

This refusal demonstrates willful non-compliance with federal consumer-protection laws and a reckless disregard of my rights under : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) failure to block identity-theft information within four days. 2. FDCPA 1692e & 1692f engaging in deceptive and unfair practices by
reporting or collecting on a known fraudulent debt.

3. FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) failure to conduct a reasonable investigation and correct inaccurate data.

4. GLBA Privacy Obligations failure to safeguard and properly handle my personal identifying information after notice of confirmed identity theft. 

As a result of XXXX 's misconduct, I have suffered emotional distress, reputational damage, and adverse credit consequences including denials of credit applications and increased lending costs. Their negligence and refusal to comply with federal law have caused ongoing harm and privacy violations. 


I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : 1. Direct XXXX to immediately delete and permanently block the fraudulent account ( No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from all credit reporting agencies. 
2. Require XXXX to provide written confirmation of the deletion and suppression within ten ( 10 ) business days. 
3. Investigate XXXX  for systemic and willful non-compliance with FCRA 605B, 623, and the FDCPA. 
4. Impose appropriate enforcement actions, sanctions, or compliance orders to ensure that XXXX establishes proper identity-theft handling procedures and prevents recurrence. 


Supporting Documents Provided - FTC Identity Theft Report - Police Report - Government-issued ID - Proof of Address ( utility bill ) - Credit report screenshots showing the XXXX account still reporting - Copy or USPS receipt confirmation for delivery of my letters.

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