Consumer complaint received 2025-06-20 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: Kikoff Inc.
State: FL

Complaint narrative:
Date : XX/XX/scrub> 2025 To : Kikoff Lending LLC Account # : XXXXXXXX XXXX XXXX XXXX XXXX  To Kikoff Compliance or Legal Department, This letter serves as a final legal notice regarding your ongoing and willful violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Truth in Lending Act ( TILA ).

You are knowingly furnishing false, inconsistent, and damaging information to XXXX XXXX and XXXX under account # XXXX XXXX XXXX XXXX XXXX and have failed to correct or investigate this data despite your legal obligations. 

Let this serve as your final warning : The next correspondence you receive from me will be a subpoena. I fully intend to pursue civil damages of up to {$1000.00} per violation, plus actual damages and legal costs, under 15 U.S.C. 1681n, 1681o, and 15 U.S.C. 1666e.

DOCUMENTED VIOLATIONS : High Credit Reporting : XXXX XXXX XXXX report a high credit of {$420.00} XXXX  falsely reports {$0.00} Inconsistent reporting of factual account usage violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Date of Last Payment : TXXXX XXXX XXXX  list last payment as XX/XX/year>2025 XXXX  reports XX/XX/year> These dates conflict, and XXXX 's record is factually inaccurate. 

Late Payment Status : All three bureaus report the account as 90 days late, while still marked as " Open '' An account can not be simultaneously open and 90 days past due without notification or valid billing, which you failed to provide.

Past Due Balance : You report a {$100.00} past due balance, with no supporting billing statements or grace periods This is a clear violation of the FCBA ( 15 U.S.C. 1666b ), which requires notice and an opportunity to dispute before a delinquency is assessed.

LEGAL BASIS FOR ACTION : FCRA 1681s-2 ( a ) ( 1 ) ( F ) : You may not furnish inaccurate or incomplete data knowingly or negligently.

FCRA 1681i : Once a dispute is raised, the furnisher must conduct a lawful reinvestigation or remove unverifiable items.

FCBA 1666b & TILA : You are required to provide proper billing and grace periods before declaring a consumer delinquent.

You have ignored every one of these requirements.

FORMAL DEMAND : I demand that Kikoff : Immediately investigate, correct, or delete the inaccurate information from all three credit bureaus Provide written confirmation and supporting documentation of any verified changes Cease and desist from further inaccurate reporting of this account NOTICE OF IMMINENT LITIGATION : If you fail to comply within 15 days of this notice, I will : File complaints with the CFPB, FTC, XXXX, and Florida Attorney General Initiate a civil lawsuit against Kikoff for all violations Pursue damages of up to {$1000.00} per violation, actual damages, attorneys fees, and court costs You are now officially on legal notice. This will be your last opportunity to resolve this matter before court proceedings begin.

Sincerely,

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