Debt collection -- Took or threatened to take negative or legal action -- Complaint #18583472

Complaint Overview

Complaint ID: 18583472

Company: Kikoff INC.

Product: Debt collection

Sub-Product: I do not know

Issue: Took or threatened to take negative or legal action

Sub-Issue: Sued you in a state where you do not live or did not sign for the debt

State: Florida

ZIP Code: 33169

Date Received: 2026-01-08T12:00:00-05:00

Date Sent to Company: 2026-01-08T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am submitting this response as part of a new CFPB case, as the prior case # XXXX was closed, and Kikoff Lending , LLC has XXXX to report inaccurate information without providing legally sufficient proof of account ownership. I formally dispute Kikoffs response and request further CFPB review. Kikoff claims its investigation confirmed account ownership based solely on information provided at signup, including name, date of birth, Social Security number, and email address. This is not valid proof of authorization or ownership. Self-reported identifying information is routinely used in identity theft and does not establish contractual liability. I have filed an FTC Identity Theft Report and identity theft affidavit because I do not own this account. Under FCRA XXXX, once an identity theft report is submitted, a furnisher must block fraudulent information unless it can demonstrate that the account was legitimately opened by the consumer. Kikoff has failed to meet this burden. Kikoff has not produced : A signed application or contract An electronic or wet signature IP address logs, device fingerprints, or authentication records Any third-party identity verification tying me to the opening of this account Instead, Kikoff relies on internal records and generic statements, which do not satisfy the reasonable investigation requirements of FCRA XXXX ( b ). The attached payment history reflects small automated payments followed by escalating minimum payments and eventual charge-off, a pattern consistent with fraudulent account activity and not proof of consumer authorization or intent. Kikoff also references its standard Credit Account Agreement but has failed to provide any evidence that I personally reviewed, agreed to, or signed this agreement. A boilerplate agreement without proof of execution does not establish liability. Kikoffs dismissal of my FTC Identity Theft Report by stating that it is not sufficient proof of fraud directly contradicts federal law and CFPB guidance. An FTC Identity Theft Report is legally sufficient to trigger blocking unless the furnisher can prove ownership, which Kikoff has not done. I respectfully request that the CFPB require Kikoff Lending , LLC to either : Provide verifiable proof of account ownership ( signed contract, authenticated consent, or identity verification evidence ), or Delete the Kikoff tradeline from all consumer reporting agencies immediately. Absent such proof, continued reporting constitutes inaccurate, unverifiable, and unlawful credit reporting. Thank you for your review and assistance.

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Kikoff INC. Company Profile
• Debt collection Complaints
• Took or threatened to take negative or legal action Complaints
• Florida Complaints
• Company Rankings
• Company Directory
• Search Complaints