Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: NY

Complaint narrative:
Kikoff, Inc. 
Customer Support Team XXXX XXXX XXXX XXXX, NV XXXX Subject : Response to Your Review of My CFPB Complaint and Insufficient Validation Account Number : XXXX Dear Kikoff Customer Support, I am writing in response to your recent email addressing my CFPB complaint and the accompanying documents you provided regarding my account. Upon reviewing your response and documentation, it is clear that your validation and investigation remain inadequate and fail to meet the standards required under the Fair Credit Reporting Act ( FCRA ). 

Concerns Regarding Your Response and Documentation Failure to Provide Full Validation : The payment history document you provided does not include transactional records showing due dates, actual payment dates, or evidence that payments exceeded the 30-day delinquency threshold before being reported. 
Without such evidence, the late payments you reported remain unverifiable and inaccurate. 
Inadequate Notification Evidence : Your reliance on email notifications is insufficient. While you referenced reminders sent on XX/XX/year>, you have not provided proof that these emails were delivered, acknowledged, or received. 
XXXXXXXX XXXX  on email communication, without additional methods such as physical mail, raises questions about whether proper notice was given. 
Misleading Statements Regarding Historical Reporting : Your statement that historical activity remains with the bureaus and can not be removed is misleading. The FCRA mandates the removal or correction of inaccurate or unverifiable information, regardless of its historical status. 
Grace Period Application : While your email references a 30-day grace period, there is no documentation demonstrating how this period was consistently applied to the alleged late payments. This raises concerns about the accuracy of the reporting. 
Inadequate Investigation : Your investigation appears to have relied solely on internal records, without conducting a thorough or independent review as required under the FCRA. 
Exhibits Supporting My Case Please note that I have compiled all necessary exhibits and documentation to support my dispute. These include : Evidence of inadequate validation and lack of transactional proof. 
Records showing insufficient notification. 
References to FCRA provisions that require verifiable, accurate reporting and adequate reinvestigation. 
Final Notice Your failure to provide adequate validation and resolve the inaccuracies in my credit reporting constitutes a violation of federal law. As such, I will escalate this matter as necessary. Specifically : I will pursue arbitration as outlined in the Kikoff Credit Account Agreement. Federal Trade Commission ( FTC ) regarding these violations. 
Federal law supersedes company policy, and I am prepared to demonstrate these violations in any forum necessary. 

Thank you for your attention to this matter. All future correspondence should be directed to my address : Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation