Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX apparently open XX/XX/XXXX to XXXX for {$730.00} in collections XXXX XXXX XXXX apparently open XX/XX/XXXX of XXXX for XXXX in collections kick off Incorporated open XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX of XXXX a loan of {$23000.00} closed XX/XX/XXXX of XXXX XXXX XXXXXXXX XXXX says open XX/XX/XXXX of XXXX prepaid card {$500.00} charged off with a balance of {$290.00} charged off closed XX/XX/XXXX of XXXX last reported XX/XX/XXXX of XXXXXXXX XXXX XXXX XXXX apparently opened XX/XX/XXXX or XXXX clothes canceled by debtor XX/XX/XXXX of XXXX in XXXX XXXX XXXX XXXX {$10000.00} personal loan in a {$46000.00} auto loan that has been multiply reported and misreported this all come for my XXXX Collection AgencyXXXX XXXX XXXXOriginal Creditor NameXXXXXXXX XXXXXXXX XXXXDate XXXX XXXX, XXXXOriginal Amount Owed XXXX XXXXXXXXAmount XXXX XXXXXXXX XXXX XXXX, XXXX Balance DateDec XXXX, XXXX Designator CodeXXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX ClassificationXXXXLast Payment DateDate of First DelinquencyXXXX XXXX XXXX XXXX XXXX  Balance $ XXXX Limit $ XXXX Credit XXXX XXXXXXXX Credit {$200.00} Account Dates Date OpenedXXXX XXXX XXXXDate ReportedXXXX XXXX, XXXX of Last Activity-Date of First XXXX XXXXXXXX XXXX XXXX XXXX NOT_MORE_THAN_THREE_PAYMENT_PAST_DUEOwnerINDIVIDUALAccount TypeREVOLVINGCreditor Classification-Loan TypeCREDIT_CARDOriginal Creditor Name- Months Reviewed3Activity Designator-Terms FrequencyMONTHLYTerm Duration-Purchased From-Sold To- Balance and Amounts Balance XXXX XXXXCredit Limit XXXX XXXXXXXX Credit $ XXXXAvailable Credit XXXX XXXX  Account Dates Date OpenedXXXX XXXX, XXXXDate ReportedXXXX XXXX XXXXDate of Last Activity-Date of First DelinquencyXXXX XXXX XXXXXXXX Kickoff OVER_120_DAYS_PAST_DUEOwnerINDIVIDUALAccount TypeREVOLVINGCreditor Classification-Loan TypeCHARGE_ACCOUNTOriginal Creditor Name- Months Reviewed7Activity Designator-Terms FrequencyMONTHLYTerm Duration-Purchased From-Sold To- Balance and Amounts Balance $ XXXX Limit $ XXXX Credit $ XXXX Credit {$3000.00} Account Dates Date OpenedMay XXXX, XXXX ReportedDec XXXX, XXXX of Last Activity-Date of First DelinquencySep XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXXXXXX XXXX XXXX XXXX XXXX  Months Reviewed20Activity Designator-Terms Frequency-Term Duration-Purchased From-Sold To- Balance and Amounts BalancXXXX XXXX XXXXXXXX Limit $ XXXX Credit $ XXXX Credit $ XXXX Account Dates Date OpenedJul XXXX, XXXX ReportedDec XXXX, XXXX of Last Activity-Date of First DelinquencyDec XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX  Months XXXX Designator-Terms Frequency-Term Duration-Purchased From-Sold To- Balance and Amounts Balance XXXX XXXXXXXX Limit-High Credit $ XXXX Credit- Account Dates Date OpenedXXXX XXXX XXXXXXXX ReportedXXXX XXXX, XXXX of Last Activity-Date of First DelinquencXXXX XXXX XXXXXXXX These were all from XXXX which I was a part of the data to breach Kick off Lending Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$120.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Past due amount {$120.00} Highest balance XXXX XXXX  Monthly payment {$35.00} Last payment date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 59 % Balance {$290.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY LEGEND Status Account charged off. {$290.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Past due amount {$290.00} Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement undefined XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3 LATE PAYMENTS Credit usage 100 % Balance {$710.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY LEGEND Status Closed. {$120.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Past due amount {$120.00} Highest balance $ 712 Monthly payment {$36.00} Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request XXXX XXXX XXXX XXXX - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 75 Months XXXX XXXX XXXX XXXX second report {$710.00} Balance updatedJan XXXX, XXXX XXXX closedaccounts Late payments stay on your report for 7 years, but they typically affect your score less over time. 

Auto loans or leasesTotal balance : {$41000.00} XXXXXXXX XXXX Balance- Balance updated- XXXX XXXX XXXX Balance- Balance updated- XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE Balance {$41000.00} Balance updatedJan XXXX, XXXX XXXX XXXX XXXX Balance- Balance updated- XXXX XXXX XXXX Balance- Balance updated- XXXX closedaccounts Personal loansTotal balance : {$9300.00} XXXX closedaccounts XXXX Total balance : {$970.00} XXXX XXXX XXXX Original XXXXXXXX XXXX XXXXXXXX Balance {$200.00} Balance updatedJan XXXX, XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX  Balance {$760.00} Balance updatedJan XXXX, XXXX These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Removal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance details Paid off- Balance - Balance updated - Original balance {$46000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 

Status updated XX/XX/XXXX Original balance {$46000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Joint Terms 75 Months XXXX XXXX XXXX XXXX personal loan XXXX

Company response to consumer: Closed with explanation