Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: AR

Complaint narrative:
XXXX XXXX Kickoff Lending, LLC XXXX XXXX  XXXX, XXXX, XXXX Dear Sir/Madam : I am writing regarding collection attempts by your company in connection with the above-referenced account ( the Alleged Debt ). I believe your company ( Kickoff Inc. ) has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and I am requesting appropriate corrective action.

Violation of my rights Specifically, I allege the following acts ( check and adapt based on your facts ) : You failed to provide a proper validation/verification of the debt after I requested validation, as required by 1692g ( b ).

You continued collection activities while the debt was under dispute and without providing verification, which violates 1692g ( b ) and related FDCPA provisions.

You reported or continued to report the debt to credit-reporting agencies although the debt was disputed or unverified, in violation of 1692e ( 8 ) and 1692g ( b ).

You used misleading or deceptive representations in your communications describe the misleading statement which violates 1692e and 1692f.

You persisted in contacting me beyond acceptable hours, or after I requested you cease communications, in violation of 1692c ( c ), 1692d, 1692f.

Under the FDCPA, once you receive a written dispute of a debt or a request for verification within the 30-day period, you must cease collection of the debt ( or that portion ) until you mail verification. See 1692g ( b ) and case law.

You also must mark any reported debt as disputed if you report it while verifying.

My requests Accordingly, I demand the following : Immediately cease any further collection activity on the Alleged Debt until you have provided full verification and documentation showing your legal right to collect it.

Provide written proof of the debt, including : The name and address of the original creditor ; The full amount claimed ( with an itemised breakdown of principal, interest, fees, payments, credits ) ; A copy of the contract or agreement that makes me responsible ; Documentation of any assignment or transfer of the debt to your firm ; Proof that you are licensed to collect debts in Arkansas.

If you have already reported the Alleged Debt to any creditreporting agency, you must promptly notify the agency that the debt is disputed and request deletion until you provide verification.

Confirm in writing that you will not continue collection efforts ( including reporting to credit agencies, phone calls, letters ) until the verification is sent and a reasonable period for my response has passed.

Provide a written statement identifying any adverse action ( s ) you intend to take ( e.g., lawsuit, credit reporting ) if verification is not provided as required under your legal obligations.

Warning of legal action If you fail to comply with the above, you will be in violation of the FDCPA and may be subject to statutory damages ( up to {$1000.00} plus costs and attorneys fees ), actual damages, and injunctive relief.

I reserve all rights under the FDCPA and applicable state law, including the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and to pursue litigation.

Record keeping Please be advised I am keeping detailed records of all communications from your company, including phone calls, letters, and emails. Be certain to send all future correspondence to the address above and via certified mail ( return receipt requested ) so that I may document your responses.

I expect your prompt acknowledgment of this letter, and your compliance with the demands set forth above. Please contact me in writing only. I do not wish to discuss this account by telephone.

Thank you for your immediate attention to this matter.

Sincerely, Former Kickoff Consumer

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