Consumer complaint received 2024-12-21 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: VA

Complaint narrative:
This would be my second time reporting as I will be submitting a report to the bbb and also to other government filers in regards to kid off. I disputed kik off due to inaccurate reporting and information. Kik has done there investigation and verified it was accurate also use fcra laws in response when clearly violating mines more than one actually. Thats investigation is not true I pulled all three credit reports and they DO NOT report the same information on all three credit reporting agencies. XXXX, XXXX, XXXX. Lets start with the double entries of charge off. It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I have made them aware and they chose to keep it on my report. I pull up the information from Kirk on the app and it does not match what the response was in the letter let alone the utilization rate shows on the credit report. which is wrong and misleading. I was recently denied an treated unfairly due to what they were reporting. This accounts needs to be removed from all three credit reporting agencies as they are not reporting accurate or the same on either credit reporting agency credit report of mine. I am also requesting payment for damages under 15 U.S. Code 1681n - Civil liability for willful noncompliance-If any credit reporting agency or furnisher willfully fails to comply with the terms of the FCRA, it is liable to the consumer for actual damages or statutory damages between {$100.00} and {$1000.00}, punitive damages, and the consumers reasonable attorneys fees and costs. Per FCRA 15 USC 1681 A ( 2 ) ( A ) ( i ) -Exclusions- transactions are not included on the credit report. LATE PAYMENTS ARE A FORM OF A TRANSACTION. With late payments reporting to the credit report this is a direct violation of the FAIR CREDIT REPORTING ACT. THESE are actual fcra laws that kick off must abide by I requested it for it to be removed once and they didn't now im requested damages and removal from all three. Below I will show my finding a shows each reporting from the credit ensures and how kid off is reporting. all credit reporting agencies must report the same information an its not. Also my account with kik that I have will show that and the actual close date of XXXX not XXXX as XXXX responded from kik an the utilization rate of 9 % and its reporting different on the credit bureaus. I also attached the fill response from XXXX. Kik off had a chance to make it right but I not this account needs to be removed immediately or further. legal action will take place.

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