Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : FORMAL DEMAND Immediate Deletion of Fraudulent, Unverified Collections in Violation of Federal Law This is a formal and non-negotiable demand for the immediate and permanent deletion of the following unverified and inaccurate collection accounts being reported by XXXX XXXX XXXX, KIKOFF LENDING LLC, and XXXX XXXX. Their continued presence on my credit report represents a flagrant violation of federal law, willful misconduct, and actionable fraud. 

Accounts in Violation : XXXX XXXX XXXX Account Number : XXXX * * * * * * * KIKOFF LENDING LLC Account Number : XXXX * * * * * * * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Violations of Federal Law : These accounts are being reported without proper validation, lawful authority, or documentary evidence. The following legal violations are directly implicated : 15 U.S.C. 1692g ( b ) Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must cease collection efforts unless and until the debt has been fully validated. These agencies have failed to produce the legally required documentation upon request, including : The original signed contract with the creditor.

Itemized accounting showing how the balance was calculated.

Chain of assignment or legal authority to collect the debt.

15 U.S.C. 1681s-2 ( b ) Under the Fair Credit Reporting Act ( FCRA ), furnishers must conduct a reasonable investigation of disputed information. Their refusal to provide legitimate documentation or remove the unverifiable accounts reflects a willful and reckless disregard for their legal obligations.

18 U.S.C. 1001 False statements to federal agencies.

18 U.S.C. 1341 ( Mail Fraud ) and 1343 ( Wire Fraud ) Knowingly reporting false information to consumer reporting agencies for financial gain constitutes criminal fraud under federal law.

Legal and Regulatory Consequences for Continued Misconduct : This is your final warning. Continued reporting of these inaccurate, unverified, and legally deficient accounts will trigger the following actions without further notice : Civil litigation for damages under FDCPA and FCRA, including attorney fees.

Regulatory complaints to the FTC, State Attorney General, and Bar Associations if attorneys are involved in the collection efforts.

Formal referral to federal authorities for investigation under fraud and criminal misconduct statutes.

Consumer protection lawsuits in state and federal courts.

You are hereby placed on full legal notice that your failure to act immediately will expose you to statutory damages, punitive damages, and regulatory penalties. 

Non-Negotiable DEMAND : I DEMAND : IMMEDIATE AND COMPLETE DELETION of these accounts from all credit reporting agencies ( Equifax, Experian, TransUnion ). 

No suppression, dispute comments, or remark codes. Only full deletion is acceptable. 

Anything short of full removal will result in swift legal escalation. 

IDENTIFYING INFORMATION : This letter constitutes formal legal notice. Failure to comply will result in aggressive pursuit of all remedies available under federal and state law. 

Sincerely,

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