Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Formal Dispute Kikoff Lending LLC ( Acct. # XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account with Kikoff Lending LLC , which you currently list on my XXXX  credit file. 

This account has already been removed from my XXXX  report after a prior dispute, yet XXXX  continues to report it. This is now my second or third attempt to dispute this same account. Despite my previous requests for verification including contracts, agreements, and documentation proving this account belongs to me no such evidence has been provided. 

Lack of Awareness and Documentation I have no knowledge of this account. I do not know when it was created, when it began, or when it supposedly ended. Without documentation, I can not confirm that I ever had any relationship with Kikoff Lending LLC. Reporting it without proper validation is unlawful under the Fair Credit Reporting Act ( FCRA ). 

Inaccurate and Damaging Reporting The account is being reported as a charge-off/collection, yet no supporting documentation has been provided. 

XXXX  is reporting a severely negative payment history ( 150, 120, 90, CO ) which is completely unverified and unsubstantiated. 

No original signed contract, billing statements, or charge-off notices have been presented to prove accuracy. 

This violates my rights under : FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. This account is inaccurate, unverifiable, and incomplete.

FCRA 1681i : Upon dispute, you are required to reinvestigate and provide full validation. Reinvestigation can not mean simply verifying with the furnisher you must obtain actual documentation.

FCRA 1681s-2 : A furnisher may not continue reporting information that can not be verified or is inaccurate. 

Given these violations, I am demanding : Immediate deletion of the Kikoff Lending LLC account from my XXXX  credit report ; OR The production of complete and original validation documents ( contract, account history, charge-off notices, and legal proof of obligation ). 

If XXXX  continues to report unverifiable and inaccurate information, I am prepared to escalate this matter further. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. I am also prepared to pursue a civil lawsuit under the FCRA for damages, attorneys fees, and any other remedies available under the law. 

This is my final attempt to resolve this matter directly with XXXX. I expect your written confirmation of deletion or full validation within the timeline required by law. 

Respectfully,

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