Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10966548
Complaint Overview
Complaint ID: 10966548
Company: Kikoff INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New Hampshire
ZIP Code: 030XX
Date Received: 2024-11-28T12:00:00-05:00
Date Sent to Company: 2024-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Kikoff , Inc. for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of late payments on my XXXX and XXXX credit reports. Despite multiple disputes and requests for investigation, Kikoff has not provided a thorough or transparent response as required under 611 of the FCRA. Details of the Complaint : Failure to Provide Verification Details : Kikoff failed to disclose the specific sources or methods used to verify the disputed late payments, as required by the FCRA. I requested information about any third-party entities contacted and evidence supporting the late payment claims, but Kikoff has yet to provide this. Inaccurate Credit Reporting : XXXX is reporting one of my accounts ( Account Number : XXXX ) as " 90 days late '' while simultaneously showing positive/current payment history, which is contradictory. XXXX is reporting the same account as " 60 days late, '' which is also inaccurate. These discrepancies indicate that Kikoff has failed to ensure accurate reporting as required by the FCRA. Failure to Resolve Dispute or Address Settlement Proposal : I sent a detailed dispute letter to Kikoff on XX/XX/XXXX, requesting verification of the information or deletion of the inaccurate entries. Kikoffs response acknowledged discrepancies but failed to take corrective action or substantiate its reporting. My settlement proposal, which included terms to resolve this matter without arbitration, was ignored. Lack of Transparency in Investigations : Kikoff claims that my payment history from XX/XX/XXXX to XX/XX/XXXX justifies the late payment reporting. However, the evidence they provided does not substantiate the inconsistent reporting across credit bureaus. Harm Caused : These inaccuracies have negatively impacted my credit score and led to potential denials of credit opportunities. Kikoffs lack of transparency and failure to comply with the FCRA has caused significant stress and inconvenience.
Frequently Asked Questions
What is Complaint #10966548 about?
Complaint #10966548 was filed against Kikoff INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-11-28T12:00:00-05:00.
How did Kikoff INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Kikoff INC.?
Yes, visit the Kikoff INC. company profile at readthecomplaint.com/company/kikoff-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.