Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: GA

Complaint narrative:
Final Legal Rebuttal & Resolution Demand XXXX, XXXX To : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  File No. : XXXX Date : [ Insert Date ] Subject : Final Response and Resolution Demand Regarding Kikoff Charge-Off Reporting Dear Kikoff Compliance XXXX, This letter serves as a formal rebuttal and resolution demand in response to your correspondence concerning the charge-off account and alleged late payment notations reported under my name. While you claim the reporting is accurate and required by the Fair Credit Reporting Act ( FCRA ), your explanation fails to satisfy the legal standards for verification, completeness, and procedural compliance required under FCRA 602, 607 ( b ), 611 ( a ), and 623 ( a ). Specifically : 1. Incomplete and Misleading Reporting Your response admits that a charge-off was reported after 180 days of nonpayment, yet provides no evidence that the debt was properly charged off in accordance with GAAP standards XXXX nor that it remains a legally enforceable obligation. FCRA 607 ( b ) requires furnishers to ensure data is both accurate and complete, and omission of the full factual context ( account resolution options, current ownership, and validation details ) renders the reporting materially misleading. 2. Lack of Proper Validation While you reference an attached document, no original signed agreement, wet-ink contract, or itemized accounting statement has been provided to prove a legitimate obligation under FDCPA 809 ( b ). Merely restating payment history is not sufficient validation under federal law. 3. Failure to Provide Proof of Consumer Authorization Your letter asserts that my personal data matched and remains applicable. However, under FCRA 623 ( b ) ( 1 ), upon receiving a dispute, you are required to reinvestigate and verify with original source documentation that the consumer account was validly opened and authorized. A data match is not legal proof of authorization. 4. Continued Furnishing of Disputed Information Under FCRA 623 ( a ) ( 3 ), once you have received a formal dispute, you are prohibited from continuing to furnish the information to credit reporting agencies without clearly marking it as disputed. Therefore, your continued reporting constitutes willful noncompliance under FCRA 616 and 617, and misrepresentation under FDCPA 807 ( 2 ) ( A ). Accordingly, I demand the following within 10 business days of receipt : 1. Permanent deletion of this tradeline from all consumer reporting agencies. 2. Written confirmation from Kikoff that the account has been deleted and will not be reinserted. XXXX. XXXX of all collection or reporting activity on this account pending full legal validation. If you can not provide full compliance documentation, I will file formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and California Department of Financial Protection and XXXX, and I will reserve all rights to pursue statutory damages under FCRA 616/617 and FDCPA 813. This serves as your final opportunity to resolve this matter amicably. Respectfully submitted, XXXX XXXX XXXX

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