Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: CA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX CC : XXXX XXXX XXXX  RE : Formal Dispute and Cease-and-Desist Regarding Inaccurate Reporting Account # : XXXX To Whom It May Concern : I am writing to you in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) to dispute the inaccurate and unverifiable information you have reported to the credit bureaus regarding the above-referenced account. 

Upon reviewing my credit report, I have identified inaccurate, incomplete, and outdated information in your reporting of this account. Specifically : 1.The account shows a closed status with a balance of {$50.00} inaccurately reflected as {$0.00} paid on XX/XX/year> ( XXXX ). This contradicts the actual payment of {$10.00} on XX/XX/year> ( from XXXX balance ), implying duplicate or conflicting updates. 
2.There is no explanation for missed/late payments, yet the scheduled payments were not made on time per your own reporting.

3.The reporting shows payment activity after account closure, raising serious concerns about data integrity.

4.The terms of the account are left blank, making it impossible to verify repayment expectations.

5.You have not provided proof of contractual obligation authorizing you to report or continue reporting this data.

Under 15 U.S. Code 1681s-2 ( a ), you are prohibited from furnishing information to consumer reporting agencies that you know or have reasonable cause to believe is inaccurate. Continuing to report inaccurate or unverifiable information is a violation of this statute.

Furthermore, your failure to maintain full documentation of account terms and activity constitutes a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which requires the reporting party to verify the accuracy and completeness of the information furnished.

I hereby demand that you : 1.Immediately delete this account from all consumer reporting agencies to which it has been reported ; 2.Cease and desist from any future reporting or sharing of this account unless you can provide : -Full account records, -Signed application or contract, -Payment and billing history, -Terms of the account at opening and at closure ; 3.Provide written confirmation of deletion within 15 days of receipt of this letter.

Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and your states Attorney Generals office. Additionally, I will pursue all legal remedies available under 15 U.S. Code 1681n and 1681o, which allow for recovery of damages, attorneys fees, and punitive damages for willful and negligent noncompliance.

Under 15 U.S. Code 1681b ( c ), I formally demand you cease all non-permissible inquiries and communications with any third parties regarding this account without my express consent.

This letter is written in good faith in an effort to resolve this matter amicably and in compliance with federal law. I expect confirmation of deletion and full resolution within 15 calendar days of your receipt of this letter.

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