Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
My current Legally acquired lawful Social Security Number last four is and only is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I here now DEMAND that you permanently and completely eradicate from your reports any other personal identifier information as I do NOT AUTHORIZE you nor any other entity rights to retain or report any data that is one or more of being untrue, incorrect, incomplete, not mandated announced, untimely, outdated, unverified, invalid, or else wise not substantiate-able of document proof of unadorned certification of compliant reporting to include to the perfect and full mandatory XXXX  XXXX format reporting standards. I COMPEL you to COMPLY now and always, as is my consumer RIGHT ( XXXX ) to do so and YOUR REQUIREMENT to obey! My Personal Tracking Number is XXXX  TO : XXXX XXXX XXXX, GA XXXX RE : Consumer NOTIFICATION of unproven and or Faulty Transfer and Payment Record data, untrue facts, incorrect info, incomplete details, not certified in agreement with requisite ( XXXX ) recorded information or else wise flawed of mandated validity and of applicable and mandatory reporting standards, to include but not limited to those requisites by the FCBA, FCRA, FDCPA, FACTA, HIPAA PR , TILA, and or M2C ( XXXX XXXX Compliance format ) reporting regulations. 
To Whom it Concerns, As is my consumer right to do so, I hereby compel you to cling to ONLY PERFECTLY true VALIDATED and certifiably obediently communicated claims, particularly that of allegations of delinquencies and or derogatory in any way what so ever! Being my RIGHT, I DEMAND that you IMMEDIATELY DELETE and forevermore afterwards BLOCK the misreported misinformation as indicated in the reputed item of : Please IMMEDIATELY return or hold on to COMPLIANT and valid lawful reporting with the integral and permanent removal from reporting of the claim ( XXXX ) displayed below as the reporting ( XXXX ) is/are not adequate for assumption for meeting the minimal criteria for lawful descriptively correct reporting : Data Point is QUESTIONABLE in its reporting? = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the XXXX point of XXXX = XXXX XXXX XXXX points of compliance! 
Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely Data Point is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed M = information that SHOULD OF BEEN adequately reported! U = valid nor compliantly reported! 
XXXXXXXX XXXX XXXX XXXX XXXX KIKOFF LENDING LLC XXXXXXXX XXXX XXXX XXXX XXXX  -- Closed NEGATIVE Other/Unknown Accounts DELINQUENCY LATE ( XXXX ) -related accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Data XXXX XXXX XXXX * XXXX KIKOFF LENDING LLC .... 
* XXXX Data XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX.. 
* XXXX Data Reporter City, State, and Postal Zip Code XXXX XXXX XXXX, CA, XXXX.. 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 
* XXXX Data Reporter Identification Number XXXX XXXXXXXX.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Remarks : D Closed I XXXX XXXX Closed or paid account/zero balance Secured I XXXX-Year Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX reported with XXXX * XXXX XXXX XXXX and alleged to be XXXX Alleged is reported in deficiency of reporting mandates and or necessary formalities therefore the misstatement must be eradicated as is my in accordance with the law ( s ) and or requisite standard ( s ) requested resolution, please do so HERE AND NOW! This claim has indicated ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : Activity Date reported as Not Reporting for XXXX, XX/XX/XXXX XX/XX/XXXX In regard to item questioned above, for XXXX XXXX, and as for XXXX  are one, two, or each apparently in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). OBVIOUSLY, INTEGRITY is the intention of fair and ethical reporting satiety! 
Creditor Remarks : reported as Not Reporting While on the subject, the item questioned above, for Closed for XXXX XXXX, and as Closed or paid account/XXXX balanceSecured XXXX XXXX XXXX XXXX XXXX and as such are one or more apparently deficient of its exigency of reporting complaisance! 
Data Reporter Telephone Number As to and in consideration of the item questioned above, reported Not Reporting for XXXX XXXX for XXXX XXXX, and as Not Reporting as for XXXX  and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its magisterial mandates as its prerequisite for compliant conformity in reporting. This field, as reported, is a deviation from the established CDIAs reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is yet another giving you formal legal notification of my DEMAND for you to CEASE and DESIST any and all ACTIVITIES in regards to the above notated derogatorily proclaimed mis- as it is significantly in infraction of requisites for lawful reporting much less substantially recklessly poor in its certifiability of the mandatorily perfect correct and outright XXXX  XXXX format compliant reporting in conjunction with the factually required perfect and physically verifiable valid and demonstrated truth of reporting, accuracy of reporting, completeness of reporting and certified compliance of reporting elsewise, mentioned here or not! may I remind you that ONLY PHYSICALLY VERIFIED VALID derogatory claims that are perfectly correct and completely certified compliant in its reporting, how disclosed, and such are all MANDATORY CRITERIA for REPORTING, NOT OPTIONAL. I DEMAND that you PROVE each the Verifiability, VALIDITY, and CERTIFIED perfect XXXX XXXX format compliant reporting or else IMMEDIATELY REMOVE any and all derogatory data or recited, now and in future. I here now DEMAND that you act in FULL ACCORDANCE of regulatory laws and standards of reporting practices, mentioned by me or not. ANY deficiency to do so is lawful dereliction of responsible and required reporting and will be deemed your WILLFUL disregarding of your requisite behaviors and an unlawful injurious harassment of me and my consumer rights, for which I can and may indeed file civil suit versus you for a court ordered resolution and monetary gains for me FROM YOU! TREAD lightly with your unproven claims not testimonially compliantly supposed or elsewise revealed! AGAIN, CEASE and DESIST all reporting activities for the above titled derogatory listed student loan account ( XXXX ) and aspect ( XXXX ) of said derogatory claims still yet unproven and not certified tractably reported. 
As your firm well knows, I have now LEGALLY EXERCISED MY CONSUMER and or CIVIL RIGHT ( XXXX ) by CHECKING for the VALIDITY of claims versus me, VERIFIABILITY of all aspects of claims versus me, and Contesting any unproven portion ( XXXX ). Further, You should equally be aware of YOUR MANDATE to report obligingly and have capacity to CERTIFY that factual perfect and genuine entire compliance of reporting to include but not limited to the mandatory XXXX XXXX format reporting standards. I pray that you do not yet AGAIN ignore your needed obeying of 15 U.S.C.A 1692g ( b ) REQUIREMENT to intact a timely investigation. This will not be the first attempt I have made to notify your compliance department officer of record or adequate department charged with retaining only indubitable verifiable valid and compliantly reported compliant derogatory data and else wise, in regard to the OBVIOUS and seemingly willful ( yet possibly done so truly in ignorance ) BREECH of REGULATORY REQUIREMENTS in your ostensible investigation efforts, assuming one was truly executed, as MANDATED by LAW! This notice was previously or subsequently IGNORED apparently, I demand that you do NOT again repeat the same infraction or ANY violation for that matter, known or otherwise! Hence why I am enacting my RIGHTS and reminding you of YOUR REQUIREMENT to CEASE ANY and ALL REPORTING ACTIVITIES for the above noted mis- as I have challenged here and today! This is OBVIOUSLY to include BUT NOT LIMITED TO the reporting ( s ) of the derogatory and or delinquent student loan ( s ) in question and or of my noted concern ( s ), AND INCLUDING any further back dating of documents and or records else wise that might be somehow related to the so-called previous VERIFICATION ( s ) of this account and or aspects of such noted. ADDITIONALLY, I enact my RIGHT to have you forward me back in a federally defined timely form PROOF of your removal and or modifications of reporting ( s ) as I have requested ALONG with a full and a then-currently UPDATED consumer credit report of MY RECORDS displaying the requested and mandatory corrections and or deletions.

Please take notification that I have forwarded or will be forwarding this and my prior notices to you to my State Attorney 's Office, the Federal Trade Commission aka FTC, and the Consumer Financial Protection Bureau aka CFPN. I assume you know that IF YOU have advised the above mentioned, the original creditor, and or the ongoing data furnisher of this contested of YOUR IMPLICIT REGULATORY FAILURE in this matter, state in writing as to this fact so I may have on my records. If NOT, I advise you to do so, in an effort to avoid further infraction of my consumer rights in dire unnecessary injuries versus me. LET it be in CLARITY my willingness almost eagerness to LITIGATE this matter in a civil court nearest me, potentially can I remind you to refer to such civil action named XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In GENUINE SINCERITY, XXXX XXXX XXXX My First and Last Name is and ONLY is

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