Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX To : Kikoff , Inc. 

Dear Kikoff Compliance Department, This letter serves as my formal second dispute in response to your prior reply to my Consumer Financial Protection Bureau ( CFPB ) complaint. Your previous investigation failed to resolve the inaccurate and damaging reporting of my Kikoff account currently appearing on my Equifax, Experian, and TransUnion credit reports. 

While I acknowledge receipt of your prior communication dated XX/XX/XXXX, your response did not satisfy your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires data furnishers to conduct a reasonable investigation and ensure maximum possible accuracy when reporting consumer information. 

Specific Issues : XXXX. Inaccurate Payment and Account Status Reporting : The Kikoff account is inaccurately reported as derogatory and continues to reflect negative payment history that is inconsistent with my actual record. I have fulfilled all payment obligations, and the account should not be reflected as delinquent. 

XXXX. Failure to Verify or Substantiate Data : Your previous response did not include verifiable evidence supporting the accuracy of the reported information. Under FCRA 611 ( a ), if the data can not be fully verified, it must be deleted or corrected. 

XXXX. Continued Harm to My Credit Standing : The inaccurate data being furnished is actively damaging my credit score and reputation, preventing me from obtaining fair credit opportunities. This constitutes ongoing harm as defined under FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known or reasonably believed to be inaccurate. 

XXXX. Unreasonable Investigation : Your companys statement that findings remain unchanged without providing documentation or a full validation of debt does not meet the reasonable investigation standard required by the FCRA and interpreted by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

My Demands : - Conduct a comprehensive reinvestigation into this account across all three credit bureaus. 
- Provide written documentation verifying the accuracy and origin of every data point you continue to furnish, including payment records, account opening and closure dates, and any delinquency notations. 
- Delete or correct any unverifiable, outdated, or inaccurate information within 30 days of receipt of this notice. 
- Provide a written confirmation of your investigation results, including specific evidence supporting continued reporting. 

If this inaccurate reporting is not corrected or removed within 30 days, I will escalate this matter further by filing formal complaints with the Indiana Attorney Generals Office, the Federal Trade Commission, and the Consumer Financial Protection Bureau, and I will explore all remedies available to me under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your prompt attention to this serious matter. I expect full compliance with federal law and proper resolution of this inaccurate reporting that continues to harm my credit reputation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Last XXXX of XXXX : XXXX Email : XXXX Phone : XXXX

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