Consumer complaint received 2025-05-29 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: Kovo
State: FL

Complaint narrative:
KOVO INC Account # XXXX i am filing a complaint because my creditor is reporting late payments on my account ending in account # XXXX that are inaccurate and not properly verified i have disputed directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation under 15 usc 1681s 2 a Furnitures must report accurate information under 15 usc 1681 i the credit bureaus must perform a reasonable investigation within 30days neither have provided sufficient evidence to support the negative reporting KOVO INC Account # XXXX Attn : Dispute Department Re : Dispute of Late Payments KOVO INC Account # XXXX Dear Sir or Madam, I am writing to formally dispute the 30, 60, and 90-day late payments reported on my KOVO INC Account # XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Complete-Maximum-Integrity ( CMI ) method of credit reporting. I request that you fully investigate and correct the information currently reflected on my credit report. The reporting of these late payments is not accurate and does not reflect the true status of my account. As per the XXXX XXXX, it is your responsibility to ensure that all information reported is not only complete but also accurate, and it must maintain maximum integrity in the credit reporting process. The inaccuracies on my credit report violate the principles of fair and accurate reporting and must be corrected immediately. Specifically, I am disputing the following : -30-day late payment : XX/XX/XXXX -60-day late payment : XX/XX/XXXX, -90-day late payment : XXXX -120-day late payment:XXXX -150-day late payment : XX/XX/XXXX -180-day late payment:XXXX, Under 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to the credit bureaus. Your failure to do so is in direct violation of the FCRA, and I demand that these late payments be removed or corrected to reflect the true payment history. This is further supported by the requirement under 15 U.S.C. 1681i, which mandates that when a consumer disputes information, the reporting entity must investigate and correct any errors or inaccuracies. In addition to disputing these late payments, I also request that KOVO INC review the entire reporting for completeness and accuracy, in line with the complete and maximum integrity principle. If this information can not be verified as accurate, I demand that it be immediately removed from my credit report in accordance with 15 U.S.C. 1681c. Please provide written confirmation of the outcome of your investigation within 30 days, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ). If the results of your investigation confirm that these late payments were reported in error or were unverifiable, I require that the information be corrected and that my credit report be updated accordingly. Failure to comply with these requests may leave me no choice but to pursue further legal action under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action for non-compliance. Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation