Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
Dear Kikoff Support/Fraud Department : I am contacting you regarding two credit accounts with Kikoff Lending LLC that were fraudulently opened in my name as a result of identity theft. The account reference IDs are XXXX ( opened XX/XX/XXXX, {$0.00} balance ) and XXXX ( opened XX/XX/XXXX, {$160.00} balance ). I did not open or authorize either of these accounts. They were opened by an unknown individual who stole my personal information. I have attached an FTC Identity Theft Report and a police report documenting the identity theft, in which these Kikoff accounts are listed as fraudulent. Upon discovering these accounts on my credit reports, I exercised my rights under the Fair Credit Reporting Act. I provided the credit bureaus with my identity theft affidavit and requested that these accounts be blocked from my credit file under FCRA 605B. The credit reporting agencies deleted the accounts and should have informed Kikoff Lending that the accounts were the result of identity theft lawhelpmn.org. However, I have recently seen that these accounts have been re-reported on my credit reports by Kikoff, indicating that they may have been inadvertently reinserted or not properly flagged as fraudulent in your system. This is causing ongoing damage to my credit and is not in compliance with federal law. Kikoff has a legal obligation to assist identity theft victims by blocking and removing fraudulent accounts from their credit reports. Under FCRA 605B, once you have notice of an identity theft report, the accounts in question must be permanently blocked from reporting credlocity.com. There are only limited conditions under which a furnisher might resume reporting an account ( for example, if there was a mistake or fraud in the identity theft claim itself ), but none of those conditions apply here consumer.ftc.gov. My claim is legitimate and well-documented. Additionally, any attempt to collect on these accounts or to sell the associated debt after receiving an identity theft report is strictly prohibited. 
Therefore, I am making the following demands : Immediately and permanently cease reporting the accounts XXXX and XXXX to all credit bureaus. Please contact XXXX XXXX XXXX  and any other agency you report to, and instruct them to delete these accounts from my credit file and not allow them to be reinserted. 
XXXX your records for these accounts as identity theft/fraud accounts, closed with a XXXX balance. I have no liability for these accounts, and your records should reflect that I was the victim of fraud. 
Cease any collection activities or communications regarding these accounts. They are not my charges, and I will not be paying anything on them. 
Provide me with a written confirmation that you have executed the above steps. Specifically, I request a letter or email stating that Kikoff acknowledges these accounts were fraudulent, has removed them from any future credit reporting, and has notified the credit bureaus of the same.

I expect to receive this confirmation within 30 days of this notice. If these accounts are not removed or if I do not receive confirmation, I will have to escalate this matter. I will file a complaint with the Consumer Financial Protection Bureau and the California Department of Financial Protection and Innovation ( if applicable, since Kikoff is based in California ), and consider legal action for non-compliance with the FCRA.

Kikoffs platform is intended to help consumers build credit, so I trust that your company will understand the importance of resolving an identity theft issue swiftly. Continuing to report accounts that have been proven fraudulent undermines that mission and violates federal law credlocity.com. Thank you for your prompt attention to this matter. I am looking forward to your timely confirmation that these fraudulent accounts are fully resolved and removed. Sincerely, XXXX XXXX XXXX Victim of Identity Theft Fraudulent Kikoff Accounts XXXX & XXXX

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