Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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:
KIKOFF LENDING LLC aka Kikoff Credit has been reporting incorrect information regarding my account specifically, delinquent 30 day late payments on my account. The issue with that is I started kikoff XX/XX/XXXX of XXXX. The subscription said {$2.00} a months for a year so I signed up read the agreement to their service specifically said a year. So I set up an account with {$24.00} specifically for the service. On XX/XX/XXXX Kikoff Credit decides to charge my credit line with them without my knowing or awareness nor consent in the matter, for {$60.00} dollars and instead of {$2.00} a month I would be paying {$5.00} a month which again I never agreed to no consent was given to make purchases for me which is basically a product from their list of inventory items this company is a scam when I put two and two together. So like I was saying before I have to pay {$5.00} a month as of XX/XX/XXXX instead of {$2.00} so the company adds the {$5.00} to my current balance and charges me {$7.00} at the last month of service which I specifically did not sign up for any type of renewal. Now the payment did not go through and I was not aware until my credit score went down. I looked and was seen a {$12.00} balance and a 30 day late payment I immediately paid the balance and talked with a representative to figure out everything I just told you. The representative tells me there is nothing they can do I tell them by law you have to have my express consent to charge me for a auto renewal especially one I never agreed to being more then I was originally paying. According to the Federal Trade Commission ( FTC ), Under the law, businesses must take steps to ensure that charges to customers credit cards, debit cards, phone bills, and other accounts are authorized. Those principles apply to mobile payments, too. Its also illegal to bill people for negative options, automatic shipments, or continuity programs without their express consent. So they refunded the purchase on my credit line and still owed me {$12.00} due to me paying the balance and refunding the purchase made by them without my permission on my account. They kept giving me excuse when I told them they can notify me all they want on something I never agreed to but you can not use somebodys credit line and charge it whenever you feel like, then report it to major credit bureaus. First that is illegal Federal and the state the business is located in, to take anyones personal information without consent and make purchases with my account. They informed me they would not be doing anything so now I have to take it a bit further and get this resolved because as of the date I have two 30 day late payments which is incorrect. If the corrections can not be made then I want the whole account deleted for inaccurate information all I want is to fix the mistake they made. I have a new balance of {$12.00} since the representative refunded me my {$12.00} without permission and told me I still had a balance of {$2.00} left and my payment date would be XX/XX/XXXX of XXXX which is crazy because now they are just doing whatever they want and trying to punish me for whatever reason. No Im my credit score has dropped dramatically I have 100 % on time payment history this put me at 97 % and dropped my credit score XXXX points for a XXXX this is unacceptable I need this resolved.

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