Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: TX

Complaint narrative:
Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Department XXXX : Formal Dispute Demand for Deletion of Inaccurate and Damaging Account Reporting To Whom It May Concern, This letter serves as a formal dispute regarding the account you are furnishing to oXXXX or more credit bureaus under the name XXXX XXXX XXXX. The account is reported as charged-off, closed, and 90 days past due, which is inaccurate, incomplete, and harmful to my credit profile. 
I am also a documented victim of national data breaches, and my personal information was compromised. I have reason to believe this account XXXX have been fraudulently opened, misused, or otherwise impacted by that unauthorized access to my identity. 
Account in Dispute : Creditor Name : Kikoff Lending LLC Partial Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Status : Charged-Off, Closed Bureaus Affected : TransUnion and Equifax Date XXXX Last Activity : XX/XX/XXXX Legal Violations and Dispute Basis : 1. FCRA 1681e ( b ) Inaccurate or XXXX Incomplete Reporting The tradeline reflects severe delinquency and a charge-off with a {$0.00} balance, which is internally contradictory and misleading. 
2. FCRA 1681s-2 ( b ) Failure to Reinvestigate and Correct I am exercising my right to dispute this directly with the furnisher. Under FCRA, you are required to investigate, verify, and respond within 30 days. If you can not verify the accuracy of this data, it must be deleted. 
XXXX. XXXX XXXX Compliance Violation If XXXX is reporting the tradeline inconsistently, missing required fields, or failing to update account status uniformly across bureaus, it is in violation of XXXX XXXX data furnishing standards. 
XXXX. Failure to XXXX XXXX XXXX As a victim of recent national data breaches, I have experienced identity-related harm. Continued reporting of unverifiable or compromised accounts poses an ongoing violation of consumer protection statutes, especially when you have not validated the origin or authorization of the account. 
XXXX Requested : I am demanding the following : XXXX. XXXX deletion of this account from all consumer reporting agencies ; XXXX. Or, delivery of full documentation supporting its validity, including : Signed application or agreement Payment and delinquency history Evidence of notice of default Proof of authorization and usage tied to me XXXX. A written response to this dispute within 30 days of receipt. 
Enclosures : Copy of my affidavit and other proof Copy of my government-issued ID XXXX Proof of current address Final Notice Before Escalation : If this dispute is not resolved appropriately within the required timeframe, I will immediately proceed with : Filing a complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX formal complaints with the Federal Trade Commission ( FTC XXXX and California Attorney General Initiating XXXX or legal action for violations of the Fair Credit Reporting Act ( FCRA XXXX and XXXX ), and all applicable state consumer laws This matter is being pursued in good faith, but I am prepared to escalate this to the fullest extent of the law if it is not resolved properly. 
Sincerely, XXXX XXXX XXXX

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