Credit reporting or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #12694051
Complaint Overview
Complaint ID: 12694051
Company: Kikoff INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: New York
ZIP Code: 11434
Date Received: 2025-03-26T12:00:00-05:00
Date Sent to Company: 2025-03-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Kikoff deposit account number XXXX Subject : Request for Goodwill Adjustment - Account XXXX Dear Kikoff Customer Service, I am writing to respectfully request a goodwill adjustment on my credit report regarding late payments on my Kikoff account, account number [ Your Kikoff Account Number ]. I understand the importance of maintaining a positive credit history, and I sincerely regret any inconvenience or negative impact these late payments may have caused. The late payments in question occurred during a period of significant personal hardship. In XX/XX/XXXX, I was involved in a car accident that resulted in serious injuries. This unfortunate event led to a prolonged period of hospitalization and numerous surgeries. I was hospitalized from XX/XX/XXXX through XX/XX/XXXX and underwent multiple surgical procedures during this time. Due to the unexpected nature of the accident and the subsequent extensive medical treatment, I was unfortunately unable to manage my financial obligations, including the timely payments on my Kikoff account. My focus during this difficult period was solely on my recovery and health. I am now back on the path to recovery and am committed to managing my finances responsibly. I have since resumed making timely payments on my account and intend to maintain a positive payment history moving forward. I would be incredibly grateful if you would consider my situation and grant a goodwill adjustment by removing the record of the late payments from my credit report. This would greatly assist in my efforts to rebuild my credit after this unforeseen and challenging period. Thank you for your time, understanding, and consideration of my request. I look forward to your positive response.
Frequently Asked Questions
What is Complaint #12694051 about?
Complaint #12694051 was filed against Kikoff INC. regarding Credit reporting or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2025-03-26T12:00:00-05:00.
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.