Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15807546
Complaint Overview
Complaint ID: 15807546
Company: Kikoff INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 33433
Date Received: 2025-09-08T12:00:00-05:00
Date Sent to Company: 2025-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding inaccurate credit reporting by Kikoff. My Kikoff account is open and active, and I have made 98 % of payments on time. However, Kikoff continues to report a 30-day late payment from 2021, which is outdated and misleading, as the account is current and in good standing. At the time of the alleged late payments ( XXXX, XXXX, and XX/XX/year> ), I was fully enrolled in autopay and had sufficient funds available. Kikoffs own customer support confirmed that autopay was enabled, but the system failed to process my payments. I never received proper notification via email, SMS, or phone call of a failed transaction. According to the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), creditors must ensure that information furnished to the credit bureaus is accurate and complete. Reporting me as delinquent despite my autopay enrollment and available funds is factually inaccurate and unfairly portrays me as negligent. This is a system failure on Kikoffs part, not consumer negligence. I have disputed this matter directly with Kikoff multiple times, but they have refused to correct the reporting, stating that they are required to report late payments even when the issue was caused by their own system.
Frequently Asked Questions
What is Complaint #15807546 about?
Complaint #15807546 was filed against Kikoff INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-09-08T12:00:00-05:00.
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.