|
10826166
|
2024-11-18
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11642443
|
2025-01-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-18
|
|
|
11759536
|
2025-01-24
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-24
|
|
|
11483747
|
2025-01-12
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
11570410
|
2025-01-17
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
|
|
11527628
|
2025-01-14
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
|
|
11789561
|
2025-01-27
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-27
|
|
|
11601580
|
2025-01-21
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
11491002
|
2025-01-12
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
11488514
|
2025-01-12
|
Getting a credit card
|
Credit card
|
|
| Issue |
Getting a credit card
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit card
|
| Sub Issue |
Card opened without my consent or knowledge
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
11604736
|
2025-01-21
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
11389138
|
2025-01-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
|
|
10756153
|
2024-11-11
|
Problem when making payments
|
Credit card
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit card
|
| Sub Issue |
You never received your bill or did not know a payment was due
|
| Sub Product |
Store credit card
|
| Date Received |
2024-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10466270
|
2024-10-15
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6708744
|
2023-03-16
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Other
|
|
|
5765066
|
2022-07-12
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem canceling credit monitoring or identify theft protection service
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-07-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Account opened fraudulently by Kikoff Lending. I have tried multiple times to resolve but company claims I opened account. Working with XXXX XXXX XXXX to resolve issue. The Kikoff Lending account was opened in XX/XX/2022.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10966430
|
2024-11-28
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-28
|
| Complaint What Happened |
The original CFPB complaint, Case # XXXX, was closed without adequately ensuring that Kikoffs response complied with all relevant laws under the Fair Credit Reporting Act ( FCRA ). Despite disputing the inaccurate and inconsistent reporting of my account, Kikoffs response failed to address the core concerns and did not provide sufficient evidence of a proper investigation, as required by FCRA 1681s-2 ( b ). Their lack of transparency, coupled with their inability to explain discrepancies in reporting across all three credit bureaus, raises serious concerns about their compliance with federal regulations. This inadequate resolution by the CFPB demonstrates a failure to hold Kikoff accountable and to protect consumers rights.
Attached : - the letter kikoff sent me through cfpb - response to kikoff - credit report - ftc fraud report number
|
| Consumer Consent Provided |
Consent provided
|
|
|
11228831
|
2024-12-21
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5821560
|
2022-07-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2022-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-15
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/2022 an account was opened with KICKOFFLENDINGLLC. They claim that {$500.00} is owed, and I'm unaware of this account. The only action that I took was " contacted the FTC. ''
|
| Consumer Consent Provided |
Consent provided
|
|
|
10402355
|
2024-10-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-10-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-09
|
| Complaint What Happened |
Kikoff.com have been sending me account payments due when I do not have an account made with them and then they would send me email to create an account afterwards for instance they said I have a payment due by XX/XX/XXXX, which was sent to me on XX/XX/XXXXXXXX XXXX XXXX and then a few minutes later another email from them said to create a password. with them. I cant get access to the amounts because I never created an account with them in the first place. I just keep getting emails stating I owe a payment by a certain day I contacted them to let them know and I got a reply that they have sent my case to the internal fraud team. I just need an FTC report to attach to the report as information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11064193
|
2024-12-08
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10359460
|
2024-10-05
|
Confusing or missing disclosures
|
Debt or credit management
|
|
| Issue |
Confusing or missing disclosures
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Debt or credit management
|
| Sub Product |
Credit repair services
|
| Date Received |
2024-10-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6648662
|
2023-03-04
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2023-03-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Hello, I made a {$800.00} ACH withdrawal from my KIKOFF checking account to mXXXX XXXX XXXX XXXX checking account on XXXX It stated initially that the transfer would take up to 5 business days. On XX/XX/, I receive an email from KIKOFF stating they have been having issues and delays with ACH transfer requests. I immediately emailed customer support to receive an update on this issue.On XX/XX/, I call customer support, who informs me that the transfer has been canceled. I ask where my funds are and I do no receive an answer. I am told I would receive an email in 1 business day. On XXXX, I do not receive an email as told, so I call again. They again state the transfer was cancelled and that they will follow up with email. I asked numerous times to be transferred to a supervisor and the customer rep says there is no supervisor. On XXXX, I receive an email stating Thank you for getting back to me. Upon review, I can see that the {$800.00} is available now on your secured card. We are terribly sorry that this event occurred and are diligently working with our partner processor to understand the root cause. In the meantime, we are prioritizing processing the delayed ACH transfers. However, the money is still not in my account. I call customer service who again says that the transfer was canceled. After asking numerous times again to be transferred, I am transferred to an automatic message that states there is no supervisor available and the phone call ends. I call again, this time finally transferred to a supervisor who does not know anything about the situation, and says that the email I received is false. They still have no idea where my money is, and after asking them to credit my account while they investigate, they refuse.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4384350
|
2021-05-17
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted XXXX to take it down immediately because I filed an FTC report. For one month XXXX has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated.
My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how XXXX got one and if they did how they validated something that isn't mine I am attaching an FTC report. XXXX has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10341217
|
2024-10-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10981102
|
2024-11-30
|
Problem with a company's investigation into an existing problem
|
Credit card
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit card
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Store credit card
|
| Date Received |
2024-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-30
|
| Complaint What Happened |
To Whom It May Concern, Account Number : XXXX I am writing to request specific information regarding the above-referenced account. Please note that I am not disputing the account or the information currently reported. I am simply seeking clarification regarding the account details.
I kindly request that you provide me with the following information : The date of the first delinquency on this account.
The date of the last payment made on this account.
The date of the charge-off on this account.
Having this information will help me better understand my account history and its reporting timeline. I appreciate your cooperation in addressing this request and look forward to your prompt response.
Thank you for your attention to this matter.
Sincerely,
|
| Consumer Consent Provided |
Consent provided
|
|
|
6502522
|
2023-01-29
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem with personal statement of dispute
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus
|
| Consumer Consent Provided |
Consent provided
|
|
|
10975763
|
2024-11-29
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-29
|
| Complaint What Happened |
Kikoff, Inc.
Customer Support Team XXXX XXXX XXXX XXXX, NV XXXX Subject : Response to Your Review of My CFPB Complaint and Insufficient Validation Account Number : XXXX Dear Kikoff Customer Support, I am writing in response to your recent email addressing my CFPB complaint and the accompanying documents you provided regarding my account. Upon reviewing your response and documentation, it is clear that your validation and investigation remain inadequate and fail to meet the standards required under the Fair Credit Reporting Act ( FCRA ).
Concerns Regarding Your Response and Documentation Failure to Provide Full Validation : The payment history document you provided does not include transactional records showing due dates, actual payment dates, or evidence that payments exceeded the 30-day delinquency threshold before being reported.
Without such evidence, the late payments you reported remain unverifiable and inaccurate.
Inadequate Notification Evidence : Your reliance on email notifications is insufficient. While you referenced reminders sent on XX/XX/year>, you have not provided proof that these emails were delivered, acknowledged, or received.
XXXXXXXX XXXX on email communication, without additional methods such as physical mail, raises questions about whether proper notice was given.
Misleading Statements Regarding Historical Reporting : Your statement that historical activity remains with the bureaus and can not be removed is misleading. The FCRA mandates the removal or correction of inaccurate or unverifiable information, regardless of its historical status.
Grace Period Application : While your email references a 30-day grace period, there is no documentation demonstrating how this period was consistently applied to the alleged late payments. This raises concerns about the accuracy of the reporting.
Inadequate Investigation : Your investigation appears to have relied solely on internal records, without conducting a thorough or independent review as required under the FCRA.
Exhibits Supporting My Case Please note that I have compiled all necessary exhibits and documentation to support my dispute. These include : Evidence of inadequate validation and lack of transactional proof.
Records showing insufficient notification.
References to FCRA provisions that require verifiable, accurate reporting and adequate reinvestigation.
Final Notice Your failure to provide adequate validation and resolve the inaccuracies in my credit reporting constitutes a violation of federal law. As such, I will escalate this matter as necessary. Specifically : I will pursue arbitration as outlined in the Kikoff Credit Account Agreement. Federal Trade Commission ( FTC ) regarding these violations.
Federal law supersedes company policy, and I am prepared to demonstrate these violations in any forum necessary.
Thank you for your attention to this matter. All future correspondence should be directed to my address : Sincerely, XXXX XXXX
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| Consumer Consent Provided |
Consent provided
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|
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10360704
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2024-10-05
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Incorrect information on your report
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Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
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| Company |
Kikoff Inc.
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Account status incorrect
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| Sub Product |
Credit reporting
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| Date Received |
2024-10-05
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-10-08
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| Consumer Consent Provided |
Consent not provided
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10862836
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2024-11-21
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Problem with a company's investigation into an existing problem
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Credit reporting or other personal consumer reports
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|
| Issue |
Problem with a company's investigation into an existing problem
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| Timely |
Yes
|
| Company |
Kikoff Inc.
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Problem with personal statement of dispute
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| Sub Product |
Credit reporting
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| Date Received |
2024-11-21
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-11-21
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Kikoff, Inc.
XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XX/XX/year> Subject : Formal Dispute Response to CFPB Complaint To Whom It May Concern, Regarding my CFPB complaint about late payment notations on my credit report. After reviewing your response, I have identified several issues and potential violations of consumer protection laws. I would like to formally dispute the inaccuracies in your reporting and raise concerns regarding your handling of this matter.
Issues with Kikoffs Response 1. Inadequate Proof of Late Payments ( FCRA Violation ) o Your response includes a summary document of dates and amounts but fails to provide verifiable proof of the alleged late payments. Under the Fair Credit Reporting Act ( FCRA ), creditors must ensure that all information they report to credit bureaus is accurate and verifiable. A simple document outlining dates and amounts is insufficient evidence without accompanying transactional records or logs that clearly establish my payment history.
2. Failure to Notify Adequately o You mention that notifications were sent to " all customers regarding account status, '' but no evidence has been provided to show that I was specifically and adequately notified about my payment status or potential late remarks prior to their being reported. Lack of sufficient and timely notification may violate fair practice standards and could demonstrate negligence in maintaining open communication with consumers.
3. Misrepresentation of Consumer Rights o Your statement that Kikoff " can not remove genuine late or missed payments '' misrepresents consumer rights under the FCRA. If late payments are reported inaccurately or without sufficient evidence, they must be removed regardless of whether Kikoff believes them to be " genuine. '' This misrepresentation undermines my ability to exercise my rights to dispute errors.
4. Failure to Conduct a Thorough Investigation ( FCRA Requirement ) o The FCRA requires data furnishers to perform a reasonable investigation when a dispute is received, especially one filed through the CFPB. Your response does not indicate that a detailed review of the alleged late payments was conducted. Simply reiterating that the payments were " outside the grace period '' without concrete proof of my payment activity does not meet the standard for a proper investigation.
5. Unclear Terms and Conditions Enforcement o You reference the terms and conditions accepted on XX/XX/year>, but fail to provide specific clauses that justify the reporting of late payments or the process for notifying consumers. Transparency in these agreements is essential to ensure compliance with applicable laws.
6. Account Closure and Reporting Practices o While you mention that my account is currently closed, you do not clarify whether the closure process was conducted in compliance with regulatory standards or how this impacts the accuracy of your reporting. Reporting closed accounts with disputed late payments may further harm consumers if done inaccurately or without proper justification.
Relevant Case Studies To support my concerns, I reference the following legal precedents that demonstrate the importance of compliance with consumer protection laws : 1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX : This case established that creditors must provide complete and accurate documentation when reporting to credit bureaus. Failure to do so undermines the consumer 's rights and violates federal law.
Request for Action To resolve this matter, I request that Kikoff : 1. Provide complete and verifiable evidence of the alleged late payments, including transactional records, timestamped payment logs, and proof of notifications sent to me regarding account status and payment issues.
2. Conduct a thorough investigation of the disputed late payments as required under the FCRA and provide a detailed explanation of your findings.
3. Remove any inaccurate or unverifiable late payment notations from my credit report.
4. Clarify the terms and conditions referenced in your response and how they justify your reporting practices in this case.
5. Provide documentation regarding the closure of my account, including details of any adverse action taken and notifications provided to me.
Potential Consumer Protection Violations If these issues are not addressed promptly and appropriately, I reserve the right to escalate this matter further. I am prepared to take this dispute to arbitration, which will significantly increase costs for your company. Arbitration costs, including fees for arbitrators and legal representation, could outweigh the resources required to resolve this dispute amicably. I may also file additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider legal remedies to enforce my rights under the FCRA and other applicable laws.
Response Deadline Please respond to this letter with all requested documentation and evidence within 30 days of receipt. Failure to comply may result in further action to protect my rights and resolve this matter.
Thank you for your attention to this issue. I look forward to your prompt and satisfactory response.
Sincerely, XXXX XXXX
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| Consumer Consent Provided |
Consent provided
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|
|
10964395
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2024-11-28
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Kikoff Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
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| Sub Product |
Credit reporting
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| Date Received |
2024-11-28
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-11-28
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| Complaint What Happened |
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt.
I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.
Date of Last Activity.
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor.
The obligation between your company KIKOFF XXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company.
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt.
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome.
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
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| Consumer Consent Provided |
Consent provided
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