Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo
State: TX

Complaint narrative:
KOVO ACCOUNTS {$240.00} {$500.00} Subject : Formal Notice of Continued Identity Theft Demand to Cease Reporting Under 15 U.S.C. 1681c-2 This response is to correct your misunderstanding of the identity theft blocking requirements under the Fair Credit Reporting Act ( FCRA ). 

Your position that a police report must match the account dates or specifically list Kovo is factually incorrect, legally unsupported, and directly contradicts federal law. 

XXXX. The FCRA Does Not Require the Police Report to List the Furnisher or Account Number Under 15 U.S.C. 1681c-2 ( a ), a consumer XXXX block any information resulting from identity theft by providing : XXXX. A police report ( or similar law-enforcement report ), XXXX. A statement of identity theft, and XXXX. Proof of identity. 

The statute does NOT require : The police report to mention the specific creditor The report to list the account number The date of the crime to match the date the identity thief opened the account Courts have already held that furnishers and CRAs can not impose additional requirements beyond the statute. 

XXXX. Identity Theft Does Not Have to Occur Only on the Date the Account Was Opened Your argument that the incident in the report happened nearly 2 years after the account was opened shows a fundamental misunderstanding of identity theft patterns. 

Identity theft involves : Repeated misuse of credentials Long-term compromise of personal information Multiple fraudulent accounts created over time A police report documents that the identity is compromised not that the thief opened a specific Kovo account on a specific day. 

You can not legally demand a police report dated XX/XX/XXXX simply because the thief used my identity then. 

XXXX. Your Statement That Everything Matches My Personal Information Proves Nothing Identity theft frequently involves : Accurate SSN Accurate DOB Accurate address Accurate phone number Fraudsters often have full identifying data. 

Courts recognize this. 
See : XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) identity theft cases regularly involve full or partial use of correct personal information ; that does not negate the theft. 

Your reliance on matching identity verification data does not override a valid theft claim, nor does it allow you to continue reporting disputed fraudulent information. 

XXXX. Continuing to Report After Written Identity Theft Notice Creates FCRA Liability Once notified of identity theft, a furnisher must : Conduct a reasonable investigation ( 1681s-2 ( a ) ( 1 ) ( A ) ) Cease furnishing information that is the result of identity theft ( 1681s-2 ( a ) ( 1 ) ( B ) ) A refusal to block when the consumer provides a police report violates : FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibition on reporting information known to be the result of identity theft FCRA 1681s-2 ( b ) failure to conduct a reasonable reinvestigation FCRA 1681c-2 ( a ) failure to block identity theft information Your response demonstrates : A willful disregard of statutory requirements An attempt to impose additional unlawful burdens A refusal to block identity theft information after lawful notice This creates grounds for actual, statutory, and punitive damages. 

XXXX. You Are Now Formally Notified I have already provided : A police report A sworn identity theft statement Written disputes Notice to XXXX Multiple reinvestigation requests Your continued reporting after receiving lawful identity theft documentation constitutes willful FCRA non-compliance. 

XXXX. Final Opportunity to Cure To avoid litigation, you have five ( 5 ) days to : XXXX. Cease and desist all reporting of the Kovo account to all CRAs XXXX. Mark the account as identity theft XXXX. Provide written confirmation that the account has been blocked and removed Failure to comply will result in the inclusion of Kovo in my pending federal FCRA lawsuit, where I will seek : Actual damages Statutory damages Punitive damages Attorneys fees Court costs XXXX. Summary Your belief that : We need a police report matching the exact account dates is incorrect, not supported by the FCRA, and unlawful. 

You have all required identity theft documents, and your obligation to cease reporting is immediate and mandatory. 

I expect written confirmation of deletion within 5 days. 


XXXX XXXX XXXX FCRA XXXX

Company response to consumer: Closed with explanation