Kikoff Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	SC 29073	Web
Sometime in XXXX or XXXX of XXXX I was going through my credit reports, in efforts to see how to improve them. On XXXX XXXX, they have all kinds of Companies that offer services to help rebuild/ build etc your Credit. One of these companies was " KIKOFF LENDING LlC ''. I did look at their services, I DID NOT sign up, or agree to anything with them, I simply was trying to understand how their system works, what was being offered etc. I looked a few other companies like " KIKOFF LENDING LLC '', such as XXXX & a couple others that were on XXXX XXXX, but are NO TIME, did NOT sign up, accept or anything of the sort to be in any of the offered programs. I did the same steps in researching the offers to join " XXXX '', and I never got auto/ forced into an account with them, only KICKOFF did that! At some point in XXXX or XXXX, I received a text message, stating my " KIKOFF ACCOUNT " was past due. I had No clue why I go this. They are not able to be reached by phone, and their site says to send an email. Which I did. I explained that I never signed up for this and I don't even understand what exactly it is, what it does, what I get out of it etc. A representative, sent me an email back, explaining " THEIR '' program & services. I said ok, well that could be a good thing, however, I WILL NOT ACCEPT this program offering, if this can not be restarted to this current time, considering, I never agreed to any of this before. I explained that, WHEN and ONLY WHEN, they show me that the program will be corrected and the actual start date will be, once they remove, ANY & ALL " late, missed and or negative Etc '' reporting, they had done to that point. I explained very clearly, that they should have no issues doing this, considering I NEVER gave them permission to do it to being with! The agent sent me back an email stating that they WOULD NOT REMOVE, NOR START OVER '' the reporting of my account being late, negative etc. The agent, said that I signed up for their program, I told her to send me proof of such. She replied with, I did it online, via XXXX XXXX. I again expressed that I had NOT agreed or signed up for anything from them. I told them to XXXX my account that they Fraudulently started, and that they needed to correct my credit reports immediately! It took a few days, and I got an email back, telling me they WOULD NOT XXXX MY ACCOUNT, NOR WOULD THEY REMOVE AND OR CORRECT, My report! I'm not positive, but at some point in these communications, I was told, they are a small newer company, so they have limited, to none telephone CS available, and that all questions etc need to be sent via their email support. Well, right their, I said was a red flag! I said wait!! You guys are such a small Co. You can't and don't have telephone CS and you have limited services over all, but you are allowed to report people to the credit agencies? You do this with out permission, you just take people 's info from XXXX XXXX, and FORCE THEM INTO AN ACCOUNT WITH YOU? HOW IS THIS LEGAL AND OR ETHICAL?? I have asked, told, demanded them in several occasions to correct their negligence, and to stop reporting my credit! They refuse! I disputed this with the Credit agencies, and of course, they came back with the Co says its valid! Well, how can a consumer ever really get their reports corrected when the Big 3 are ALWAYS taking the XXXX word over the Consumers even with the proof I have. If you do a XXXX search, about these guys, you will see, there are TONS AND TONS of people that have had the exact same thing happen to them! Now, I could understand, if they were a HUGE Co, and there was a relative balanced amount of issues like mine and the TONS of others, but when your a small Co. And there are TONS of the exact same kind of issue, of accounts being opened & reported wirb out the Consumers concent and or knowledge!!! That is a serious issues, that is a Way of doing business/ business practices, rather than exceptions to their " NORMAL COURSE OF CONDUCTING BUSINESS '' I Know you guys know that, I'm just very angry, because, my credit is already XXXX due to me becoming XXXX, and hitting some serious financial, health and personal, struggles! I am a mom of XXXX, and I don't need this Co. trying to grow their business, by scamming innocent people. They are basically, FORCING people to have an account, and if they don't, or dispute it, because they never agreed in the first place, they report you as late over and over! Keep in mind, this is ONLY a {$2.00} per month fee. So, can you imagine, why anyone that actually did sign up, and agree to their account, having an issue paying thr {$2.00}?? So, that should help you see even more clearly, that I, NOR THE OTHER TONS OF ANGRY CONSUMERS, ARE TRYING TO AVOID, paying some high cost program fee. This is A ) Because, I NEVER signed up! B ) They are Illegally reporting this as account I agreed to, but they, clearly Fraudulently obtained it. Again, I keep going back to the fact that, HOW can so many people ALL over the world, have the exact same issues, and it NOT be a MAJOR WRING DOING by the Co. Again, if you go through their Companies complaints, all over including XXXX XXXXXXXX. You will see, this is not the exception. These issues are their NORMAL business practices! I am a huge fan of the CFPB, because " You guys '' REALLY are the ONLY agency, I have EVER..seen, stay true to your actual Mission, purpose, reason, etc. you were started for etc! That is NOT a " smoke blowing '' statement, that is the GOD 'S HONEST TRUTH! I pray everyday that, you guys are able to take control over more industries, that are as Crooked, Unethical, what ever you want to call it. The Industries, that make the most money, provide the least, or very low services, and pay off most other Govorning agencies, to get away with scamming, hurting, even killing people and " paying off the right people '' and getting away with all of it! YOU GUYS, ARE TOTAL BAD XXXX 'S!!! SORRY, BUT YOU ARE! YOU DON'T CARE WHO THE CO IS, HOW MANY XXXX THEY MAKE, IF THEY ARE DIRTY, XXXX $ BULLIES .... YOU GUYS DO WHAT EVER NEEDS TO BE DONE, NO MATTER, THAT IT MAY NOT MAKE YOU GUYS THE " POPULAR KIDS '' BUT, AT LEAST YOU CAN HOLD YOUR HEADS HIGH, KNOWING YOU GUYS ARE NOT SELL OUTS, BC THOSE BULLIES WILL FUND YOUR CAMPAIGN, OR WHAT EVER AS LONG AS YOU LOOK THE OTHER WAY! NO.. YOU GUYS GO HEAD ON, TOE TO TOE!! I'M SUCH A HUGE FAN!! IT IS MY DREAM JOB, TO WORK WITH THE CFPB!!! I HONESTLY, THINK I'D EVEN WORK FOR FREE! REALLY REALLY.. IF I GOT TO BRING YOU GUYS THE CONSUMER PROTECTION ISSUES, THAT ARE BEING SWEPT UNDER THE RUG, VIA BACK-DOOR GOOD OLE BOY DEALS, GOVERNMENT OFFICIAL 'S GETTING THEIR POCKETS PADDED, BY THESE XXXX DOLLAR BULLIES TO LOOK THE OTHER WAY AND GET AWAY WITH ALL THEIR WRONG DOINGS, INCLUDING, MURDER!! SO.. IF YOU GUYS EVER ADD, A " CONSUMER WATCH DOG, OR FRAUD/ SCAMXXXX BUSTER.. PLEADE THINK OF ME!!
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75019	Web
On XX/XX/XXXX my wife and I contacted our mortgage lender regarding initiating a home refinance. At that time he notified us that there was an account with a company called Kikoff Lending LLC that was reporting a past due payment of {$2.00}. As a result, my credit score has been greatly negativly effected. Prior to the information from our lender, we had absolutely no knowledge of this account. I, nor anyone in my household ever applied for credit from, or had ever even heard of Kikoff lending for that matter. We have never received and correspondence from this company in the form of account information, notice of an application, a bill, a late payment notification, nothing. This is because I, nor anyone in my home, ever applied for this line of credit. Immediately contacted Kikoff via email on XX/XX/XXXX to alert them of the fraudulent account, request an investigation and have this removed from my credit report immediately. " Hello, We are in the midst of applying to refinance our home. Our lender just alerted us to a credit line that was taken out in my husband 's name in XX/XX/XXXX. We have never applied for credit through your company. This was done fraudulently on our behalf. Additionally, your company recently reported a late payment of {$2.00} on this account to the credit bureau last month. This late payment report has dropped my husband 's credit score from high XXXX 's to XXXX. We are now unable to refinance the house as a result. This is a screen shot of the only information we have on this account. image.png 2 things we need assistance with, closing this account immediately, as it was opened under his name fraudulently. Secondly, we need the " late payment '' report to be reversed and reported to the credit bureaus so we can raise his credit score back to where it was previously. We will also be reporting this fraud to all three credit bureaus. Please reply at your earliest convenience with next steps to resolve this issue. Please also feel free to call me at XXXX. Thank you. XXXX XXXX '' I received this response on XX/XX/XXXX. On Tuesday, XX/XX/XXXX, XXXX PM XXXX, XXXX XXXX wrote : Hi XXXX XXXX, We understand how disconcerting this can be and will do our best to help resolve this. To locate an account under your husband 's personal information, we will need to confirm his information. If you could please provide us with his full name, last 4 of his SSN and your current address, we will investigate our system and get back to you on what we find to resolve this issue. Best, XXXX XXXX replied with the information they requested and received this response on XX/XX/XXXX. " XXXX XXXX XXXX, Thank you for providing that information. I was able to locate the account in question and have closed and deactivated it at this time. In your prior email you stated you are wishing to have this account removed. I would advise that if you are still wishing to have this removed, please file an official dispute with the bureaus so they can forward over the information to our investigation team for them to review. Please know investigations and resolution of the dispute can take up to 25 business days from the date we receive it from the bureaus. Best regards, XXXX '' So I immediately contacted XXXX and XXXX and began a dispute with them, as they are the only 2 credit bureaus that Kikoff reports to. I just received the results of the dispute and was incredibly disappointed to find that their investigation did not resolve this matter. I am now taking steps to do everything I can to have this removed from my credit report and have this resolved. This has effected my credit score so negatively that it has limited our families ability to refinance our home. I have contacted Kikoff again today, XX/XX/XXXX and copied XXXX and XXXX on the email. This is the email I sent. " Good morning, We have received the results of the fraud investigation completed by XXXX and XXXX. Both of the investigations found there to be no reason to change or remove the Kikoff credit account from my credit report. This is reference to XXXX dispute # XXXX and XXXX dispute # XXXXXX. I can only surmise this is a result of information provided to the investigator by Kikoff. This result is absolutely inaccurate and incorrect. The account in question was opened fraudulently in my name and without my knowledge. The account then immediately defaulted on a {$2.00} minimum payment on a {$24.00} balance. I have a long standing, excellent track record of paying my accounts on time and as agreed. There is absolutely no way, if this were an account I was responsible for and had any knowledge of whatsoever I would allow this account to default and payment to be past due on a {$2.00} payment/ {$24.00} balance. I have received zero correspondence from Kikoff in the form of a bill, a late payment notice, a letter informing me of the status of this account, an account number, etc. Nothing. And that is because this is not my account, was not opened by me or any one in my household. I had absolutely no knowledge of this account, until pulling my credit report in preparation for a possible home refinance. I was shocked to find this on my report and reached out to Kickoff immediately for resolution. I received a response that Kikoff had closed the account, but that I would have to contact the individual credit agencies if I wanted this removed from my report. I did so immediately. And here we are now. With no resolution. Since then, I have reached out to Kikoff multiple times for a status update on this investigation, with no response. I am requesting that Kikoff immediately reports to parties at both XXXX and XXXX that this account was allowed by Kikoff to be opened fraudulently in my name. And this account and it's " late payments '' be removed from my credit report immediately. This egregious mistake and oversight on the behalf of Kikoff has now caused my credit score to be greatly affected. This is wrong and must be corrected immediately. If this is not resolved in the next 15 business days, I plan to pursue action with the Consumer Financial Protection Bureau and our State Attorney General. I expect a response in writing from Kikoff by close of business today on how you plan to rectify and resolve this mistake and correct my credit report. Sincerely, XXXX XXXX I am hoping your agency can help resolve this matter. Without your assistance I am afraid we will not be able to rectify this issue and reverse the damage done to my credit report and our families future. Thank you for your time and consideration.
12/10/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75237	Web
Late Payment Letter : Dear Sir or Madam, 1. KIKOFF LENDING LLC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with KIKOFF LENDING LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 752XX	Web
Dear Sir or Madam, 1. KIKOFF LENDING LLC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX also 90 days late on this account in XX/XX/XXXX and 120 days late on this account in XX/XX/XXXX last but not least 150 days late on this account in XX/XX/XXXX. I immediately disputed this information with KIKOFF LENDING LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you XXXX have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75227	Web
Dear Sir or Madam, 1. KIKOFF LENDING LLC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX as wells 60 days late on XX/XX/XXXX. I immediately disputed this information with KIKOFF LENDING LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19020	Web
XXXX. KIKOFF LENDING LLC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 90 days late on this account in XX/XX/XXXX, as well as XXXX days late in XX/XX/XXXX. I immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you XXXX have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the XXXX. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent XXXX not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount XXXX not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor XXXX not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide XXXX XXXX Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
11/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75232	Web
Dear Sir or Madam, XXXX. KIKOFF LENDING LLC Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX. I immediately disputed this information with KIKOFF LENDING LLC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX, Iowa XXXX
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 751XX	Web
- INACCURACY OF ACCOUNTS NEEDS - ATTENTION IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XX/XX/XXXX To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are Listed below. Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. XXXX In previous disputes you claimed that this account was verified and is following The Fair Credit Reporting Act. How can this account been verified? You XXXX has completely different monthly payments ( {$100.00} ), Date Opened ( XX/XX/XXXX ), Balance ( {$130.00} ), More Serious Reporting errors you have a Past Due amount of {$100.00} along with numerous late payments attached to a account that XXXX has reported as a Charge Off while you still have the account as 120 months late. None of the last reported or last payment match XXXX or XXXX. I question if this is even the same account because again the account number you report does not match XXXX or XXXX. A Charge Off account should never have Late payments due to it being late by default. Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. XXXX XXXX XXXX XXXX I disputed this several times to inform you this isn't my account and I was a victim of identity fraud and yet the account still remains. I have a report from Identity Theft. Gov listing this account. But even then This account as well has late payments attached to an already defaulted Charged Off Account if I was the owner. Along with that the date open, date last active and last reported do not match XXXX. This is a direct violations of my rights. XXXX XXXX XXXX This account also has a Past Due Amount that is against the law to report on a Charged Off Account. The open date does not match XXXX, nor does the Last Active Date. This is unacceptable. I feel like this was a mistake that was made to purposely affect my credit reports even harder. You have violated about every one of my rights and the laws that govern me. XXXX YOU ONCE AGAIN HAVE BEEN REPORTING A PAST DUE BALANCE AND EACH MONTH IT SHOWS I MISSED ANOTHER PAYMENT ON A CHARGED OFF ACCOUNT. Not only that though it has a balance of {$20000.00} which is no where close to the past due amount that XXXX and XXXX have. Not one thing is accurate on this account compared the others. These furnish the same account numbers but none of the reporting information is accurate. KIKOFF-XXXX This account has the payment status as late 90 days but in the two year history it does not show one late payment. How is that possible. The date opened, date last reported, date last active along with the last payment are not even close to being accurate. I WANT THIS ACCOUNTS DELETED OFF MY CREDIT PROFILE. THEY HAVE CAUSED A FINANCIAL STRAIN SOME FOR MANY YEARS. YOU CONTINUE TO VIOLATE MY RIGHTS AND BREAK THE LAWS EACH DAY THESE ARE ON MY REPORT. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g \| have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your fies that were used to verity them. If you do not have any documentation in your files to verify the accuracy ( the wrong dates and amounts ) of these disputed accounts then please delete them immediately as required unde Section 611 ( a ) 5 ) ( A ) i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be prompty deleted. Therefore. if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above with receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items REMOVED, I demand the following accounts be property verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank, you for your help in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XX/XX/XXXX
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	MO 63119	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX KICKOFF LENDING LLC ACC # XXXX ATTN XXXX XXXX XXXX XXXX CERTIFIED MAIL Receipt # NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX XXXX XXXX consumer report, and I noticed you KICKOFF LENDING LLC are reporting my transactions and experiences specifically a late payment that you have posted on my consumer report : XXXX XXXX you reported that my transaction was 90 days late. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) XXXX XXXX XXXX and the person ( YOU ) KICKOFF LENDING LLC Making the report is NOT INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the below account ACC # XXXX You are hereby PUT ON NOTICE that the reporting of my transactions or experiences with your company to the consumer reporting agencies is a DIRECT VIOLATION of the Fair Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something You have been notified that you are reporting accurate information to the consumer reporting agencies. As outlined in 15 USC 1681a 2Ai Congress specifically says transaction or experiences with the Consumer ( me ) and the person ( KICKOFF LENDING LLC ) making the report is not included on my consumer report. Without a shadow of a doubt you now know that the information you are reporting is in fact inaccurate. KICKOFF LENDING LLC Ignorance of the law is no excuse! 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. KICKOFF LENDING LLC DO NOT SEND ME ANY CORRESPONDENCES IN REGARD TO THIS NOTICE UNLESS IT IS TO CONFIRM THAT YOU ARE COMPLYING WITH THE APPLICABLE LAW and you have DELETED THE TRANSACTION or EXPERIENCE THAT YOU HAVE REPORTED AS 30 DAYS LATE to the CONSUMER REPORTING AGENCIES. YOU HAVE 10 CALENDAR DAYS FROM THE RECEIPT OF THIS NOTICE TO DELETE TRANSACTION FROM MY CONSUMER REPORT AND SEND OUT A NOTICE THAT SAID TRANSACTION WAS IN FACT DELETED FROM MY CONSUMER REPORTS. Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : 1. Any Actual Damages 2. Defamation of Character 3. Negligent Non Compliance 4. Civil Liability 5. Mental Anguish 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
04/01/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	GA 30324	Web
In XXXX, I was made aware that a line of credit was opened in my name by a company called Kikoff, which, according to their website is a credit builder that allows you to have up to a {$500.00} line of credit opened and can be spent in their store. I had been dealing with fraudulent use of my information for several weeks with other companies, all of which had been able to stop the approval process in it's tracks by noting fraud from go when the status was pending, or sending my some kind of information to VERIFY that this was in fact me. Kikoff, however, does NO credit check and approves this fraudulent account. I have since done some research and found that not only are they not XXXX accredited, but they have NUMEROUS complaints on the XXXX website with the exact same issue as mine. An account opened in someones name without their knowledge, a balance of {XXXX}, a hard pull on their credit, little to no contact ( or at least HELPFUL ) from the company to resolve the issue. Red Flag # 1 - I located a phone number which I called and it directs you to an email address to reach out to instead. They are a " small team '' and " do not currently have a working phone line '' - really?? Red Flag # 2 - An automated email back that they will reach out in 2-3 business days regarding my issue. Red Flag # 3 - A second automated email from " XXXX '' who says I will need to verify my information with him OVER EMAIL in order to escalate my claim. Email here : Email here : Hi XXXX XXXX, Thanks for reaching out to us! We do apologize for the delay in response and regret to inform we do not have a phone number that can be used for outbound/inbound calls. We do understand how disconcerting this can be and will do our best to help resolve this. To locate an account under your personal information, we will need to confirm your information. If you could please provide us with your full legal name, last 4 of your SSN and your current address, we will investigate our system and get back to you on what we find to resolve this issue. Best, XXXX Red Flag # 4 - After letting " XXXX '' know that I would absolutely not be sending that information over email, I received a 3rd email from a " XXXX '' : Hi XXXX, If you are seeing us on your credit file, you can submit a dispute with the credit bureaus and our investigations team will receive it within 3-5 days. If this is related to a bank charge on your credit or debit card you can process a dispute directly with your bank. I am sorry for any heartache this may be causing and wish you a quick resolution! Regards, XXXX Red Flag # 4 - I did exactly as asked and submitted a dispute with both XXXX and XXXX ( they do not report to XXXX ) and was contacted about a week later stating that Kikoff had in fact CONFIRMED to them that this account was real and not open fraudulently. Red Flag # 5 - After reaching out to multiple different employees on XXXX who's names I was able to find on the company website, the director of operations XXXX XXXX got back to me and said to contact support - the EXACT SAME EMAIL I HAD ALREADY SPOKEN WITH. Red Flag # 6 - After yet another attempt with terse language to these people, I get an automated response back that is different from what I received previously. They now want me to fill out an " Identity Theft Affidavit '' which not only asks for things like my full SS number, my current address, previous addresses, but also ACCOUNT AND ROUTING NUMBERS for my bank. It is absolutely ludacris. I have spoken to the FTC twice over this matter and was directed here to file a formal complaint against the company. Given the above and also the many many similar stories I read on the XXXX website about Kikoff, I know for a fact that something shady is going on with this company and they need to be investigated immediately. My credit score has gone down almost 40 points the last few months from OVER 800 because of this identity theft issue and Kikoff is the ONLY company that has failed at the very most basic of security checks throughout the process. XXXX XXXX, XXXX XXXX, XXXX, and 3 other banking institutions resolved my issue immediately- why can't Kikoff? I have placed fraud alerts on all of my accounts now but again, with my disputes not being taken into effect for Kikoff with XXXX and XXXX, I am at a loss as to what to do now because I obviously will NOT be sending this insane company all of that personal information.
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 78240	Web
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a violation of specific subsections of the Fair Credit Reporting Act ( FCRA ) by Kik off, a creditor or lender. The issue at hand pertains to their failure to provide me with written notification concerning a late payment that has negatively impacted my consumer report. I kindly request your intervention and assistance in rectifying this matter in accordance with FCRA Sections 623 ( a ) ( 8 ) and 611 ( a ). Under FCRA Section 623 ( a ) ( 8 ), furnishers are mandated to notify consumers in writing about any adverse information or late payments that may be reported to consumer reporting agencies. This requirement is designed to ensure that consumers are made aware of negative entries on their credit reports, allowing them to take appropriate action to address and rectify such instances. Additionally, FCRA Section 611 ( a ) stipulates that consumers have the right to accurate and fair credit reporting. However, Kik off has failed to fulfill their obligations under these specific FCRA subsections in my case. Despite a late payment occurrence, I have not received any written correspondence from Kik off informing me about the adverse impact on my credit report. This failure to provide written notification not only violates my rights as a consumer under FCRA Section 623 ( a ) ( 8 ) but also undermines the accuracy and fairness of my credit reporting, as guaranteed by FCRA Section 611 ( a ). I kindly request that the CFPB investigate this matter thoroughly, specifically focusing on the violation of FCRA Sections 623 ( a ) ( 8 ) and 611 ( a ). I urge you to request documented evidence from Kik off to verify whether they have indeed sent the required written notification regarding the late payment. If they are unable to provide such evidence, it is imperative that the CFPB takes appropriate action to ensure the removal of the adverse information from my consumer report and holds Kik off accountable for their non-compliance with the FCRA. As a consumer, I rely on accurate and fair credit reporting to make informed financial decisions. The absence of written notification has resulted in an inaccurate representation of my creditworthiness, which can have far-reaching consequences on my ability to secure loans, obtain favorable interest rates, and access other financial opportunities. I appreciate the CFPB 's commitment to safeguarding consumer rights and ensuring compliance with the FCRA. I kindly request that you keep me informed of the progress of this investigation and the actions taken to resolve this matter in accordance with FCRA Sections 623 ( a ) ( 8 ) and 611 ( a ). I trust that the CFPB will take appropriate measures to rectify this violation and hold Kik off accountable for their failure to comply with the FCRA. Furthermore, I would like to bring to your attention an additional piece of evidence that supports the fact that Kik off failed to send me a written notification regarding the late payment. Upon logging into my account, I discovered that Kik off does not have the correct address on file for me. This discrepancy demonstrates that they did not possess the accurate information necessary to send the required written notification to my correct address. By not having the correct address on file, Kik off further demonstrates their negligence in fulfilling their obligations under the FCRA. It is their responsibility as a furnisher to ensure that accurate and up-to-date consumer information is maintained, including the correct address for sending crucial communications. I kindly request that the CFPB takes this evidence into consideration during the investigation process. It serves as additional proof of Kik off 's failure to provide the necessary written notification, reinforcing the violation of FCRA regulations. Thank you for your attention to this matter and your assistance in rectifying this situation. Thank you for your attention to this matter, and I look forward to a prompt resolution.
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28208	Web
Account Name KIKOFF LENDING LLC Account Number XXXX Date Opened XX/XX/2020 I tried looking up an address to mail you correspondence but could not locate an address to effectively communitate with you. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of XXXX5 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Please attach copies of the following : Agreement with your client that grants Kickoff Lending the authority to collect this alleged debt. Signed agreement debtor has made with Kickoff Lending, or other verifiable proof Debtor has a contractual obligation to pay debt collector. Any agreement that bears the signature of debtor, wherein agreed to pay creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes -- No Have any judgements been obtained by any creditor regarding this account? Yes -- No Please provide me the name and address of the bonding agent for Kickoff Lending, in case legal action becomes necessary : Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 15 calendar days from the date of recepit of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and retured with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 15 calendar days for processing after I receive this information. Thank you, XXXX XXXX
07/15/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	MO XXXXX	Web
After reviewing my credit files with the credit bureaus, there was some inaccurate information being reported against me. I believe that I am a victim of identity theft because the account ( # XXXX ) is not associated with and does NOT belong to me. My full legal name is XXXX XXXX XXXX. I have gone by XXXX XXXX XXXX or just XXXX XXXX. Those are the only names Ive used when applying for credit or in my personal life. My current address is : XXXX XXXX XXXX XXXX XXXX MO XXXX and I have been here since XX/XX/XXXX ( 4yr 6mo ) ; previously stayed at a friends house located at XXXX XXXX XXXX XXXX MO XXXX ( 1yr 7mo ) ; and prior to that my home was XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MO XXXX XXXX XXXX to XXXX ( 15yr ). I filed bankruptcy XX/XX/XXXX and because the home I owned was in foreclosure proceedings, its ownership transferred back to the bank. Again, I moved from this address in XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. To establish validity and a clear timeline of events, in XXXX when this account was opened and credit extended/ granted, I was not living at XXXX XXXX XXXX XXXX. It has now been 7 years since that was my home. The places Ive resided at can be verified several ways thru address changes at USPS, voter registrations, personal property assessments, tax returns filed and employment verifications. My primary and only phone is cellular ; the number is XXXX. My state ID was renewed and issued XX/XX/XXXX. I am including copies of my drivers license, assessment department address change completed in XXXX as well as XXXX personal property tax receipt proving current address. I work at XXXX XXXX as a XXXX XXXX XXXX and am enclosing a photocopy of my employee ID to corroborate my current employment. In regards to the above referenced account, it is not mine/ does not belong to me. I NEVER benefited or received any merchandise, products, or items including lines of credit, loans, or finances and NEVER signed for or accepted any goods or services since I did not conduct business with KIKOFF LENDING LLC. According to the voice recording at phone # ( XXXX ) XXXX, KIKOFF LENDING LLC specifically caters to borrowers of covered military/ armed forces. I have never served or been in the military/ armed forces. I am not even sure what type of account was fraudulently opened in my name. Currently the account is in good standing, however, what could prevent whoever opened it to borrow against the line of credit or use the credit/ charge card leaving a balance that would negatively impact me? Im not just trying to protect myself, Im trying to protect your company/ business from any further fraudulent activity in relation to this account. It was NOT me who applied for credit with KIKOFF LENDING LLC. Please supply the address where the loans/ lines of credit were opened and purchases took place or where items/ products were shipped to? Where was the credit/ charge card mailed to because I never received or used it? Arent creditors supposed to verify income and job and position/ title? What employment and salary information was given including home address and phone number at time of application when this fraudulent account was opened and credit was extended/ granted? Was there a photo id or signature verification provided? Was it done in-store/ in-person or online? What email address was given? How are applicants qualified/certified and credit decisions confirmed/ substantiated? Id like some answers. I submitted an Identity Theft Report through the Federal Trade Commission ( FTC Report Number XXXX ) and will be in contact with the Consumer Financial Protection Bureau. I am disputing the FULL account in its entirety. I request that you prove this account is mine or PLEASE delete/ remove this from my credit report/file immediately. Respectfully, XXXX XXXX XXXX
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34769	Web
I am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from XXXX confirming identity theft from there identity theft protection program my information was sold during the XXXX XXXX breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove inaccurate information : XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report. This letter is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am disputing this account because it is invalid under FCRA because it was opened fraudulently as a result of Identity Theft, My identity was stolen and used to open this account and many others already disputed and deleted from my credit report. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
10/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 068XX	Web
I noticed an account on my credit reports from a company called KIKOFF LENDING LLC that I had no business relationship with. KIKOFF LENDING LLC was attempting to collect on a an alleged debt in the amount of {$66.00}. I have had my identity stolen and sent KIKOFF LENDING LLC a letter via certified mailXX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent KIKOFF LENDING LLC account with the credit bureaus. KIKOFF LENDING LLC however continued reporting this fraudulent KIKOFF LENDING LLC account with the credit bureaus. I noticed KIKOFF LENDING LLC still reporting this fraudulent KIKOFF LENDING LLC account with the credit bureaus after I notified them about the identity theft. I then sent KIKOFF LENDING LLC a DEBT VALIDATION LETTER via certified mail XXXXXX/XX/2023 requesting the agreement between XXXX and myself and the original application for the account. KIKOFF LENDING LLC violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) KIKOFF LENDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. KIKOFF LENDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent KIKOFF LENDING LLC account XX/XX/2023 on my credit reports. I then sent KIKOFF LENDING LLC a FAILURE TO RESPOND letter via mail XX/XX/2023. KIKOFF LENDING LLC violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. KIKOFF LENDING LLC violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. KIKOFF LENDING LLC violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) KIKOFF LENDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. KIKOFF LENDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, KIKOFF LENDING LLC FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a KIKOFF LENDING LLC letter via certified mail XXXX XXXX XXXX. KIKOFF LENDING LLC violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent KIKOFF LENDING LLC account XX/XX/2023 on my credit reports and it is still there as of this filing.
02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30083	Web
KIKOFF LENDING LLC aka Kikoff Credit has been reporting incorrect information regarding my account specifically, delinquent 30 day late payments on my account. The issue with that is I started kikoff XX/XX/XXXX of XXXX. The subscription said {$2.00} a months for a year so I signed up read the agreement to their service specifically said a year. So I set up an account with {$24.00} specifically for the service. On XX/XX/XXXX Kikoff Credit decides to charge my credit line with them without my knowing or awareness nor consent in the matter, for {$60.00} dollars and instead of {$2.00} a month I would be paying {$5.00} a month which again I never agreed to no consent was given to make purchases for me which is basically a product from their list of inventory items this company is a scam when I put two and two together. So like I was saying before I have to pay {$5.00} a month as of XX/XX/XXXX instead of {$2.00} so the company adds the {$5.00} to my current balance and charges me {$7.00} at the last month of service which I specifically did not sign up for any type of renewal. Now the payment did not go through and I was not aware until my credit score went down. I looked and was seen a {$12.00} balance and a 30 day late payment I immediately paid the balance and talked with a representative to figure out everything I just told you. The representative tells me there is nothing they can do I tell them by law you have to have my express consent to charge me for a auto renewal especially one I never agreed to being more then I was originally paying. According to the Federal Trade Commission ( FTC ), Under the law, businesses must take steps to ensure that charges to customers credit cards, debit cards, phone bills, and other accounts are authorized. Those principles apply to mobile payments, too. Its also illegal to bill people for negative options, automatic shipments, or continuity programs without their express consent. So they refunded the purchase on my credit line and still owed me {$12.00} due to me paying the balance and refunding the purchase made by them without my permission on my account. They kept giving me excuse when I told them they can notify me all they want on something I never agreed to but you can not use somebodys credit line and charge it whenever you feel like, then report it to major credit bureaus. First that is illegal Federal and the state the business is located in, to take anyones personal information without consent and make purchases with my account. They informed me they would not be doing anything so now I have to take it a bit further and get this resolved because as of the date I have two 30 day late payments which is incorrect. If the corrections can not be made then I want the whole account deleted for inaccurate information all I want is to fix the mistake they made. I have a new balance of {$12.00} since the representative refunded me my {$12.00} without permission and told me I still had a balance of {$2.00} left and my payment date would be XX/XX/XXXX of XXXX which is crazy because now they are just doing whatever they want and trying to punish me for whatever reason. No Im my credit score has dropped dramatically I have 100 % on time payment history this put me at 97 % and dropped my credit score XXXX points for a XXXX this is unacceptable I need this resolved.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NE XXXXX	Web
New and updated information regarding the previous dispute with XXXX. First pointing out that XXXX, the false statements XXXX has included in he response. Since XXXX did not submit the alleged payment history through his response in the CFPB I will attach here myself along with proof from XXXX different reports showing the inacurracies and false information that XXXX knowingly and willfully just admitted was accurately reporting but clear proof that he is choosing to ignore the law. First the alleged payment history XXXX sent over has an account number showing : XXXX however on my XXXX report the account number is : XXXX and on my XXXX report the account number is also : XXXX. The alleged payment history that XXXX provided along with his statement that Kikoff " it is our responsibility to uphold accurate reporting even if that means it isn't always a positive one '' shows the account was opened XX/XX/XXXX. Just as XXXX stated in his response, however my reports pulled on XX/XX/XXXX following XXXX 's response shows that Kikoff does not uphold their responsibility of accurate reporting because the date on my XXXX and XXXX report shows the account was opened XX/XX/XXXX. Also the alleged payment history XXXX provided also shows the late payment dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX however my reports pulled on XX/XX/XXXX shows otherwise. My XXXX report is showing XXXX, XXXX, XXXX, and XXXX of XXXX with all late payments is also showing XXXX, XXXX, XXXX, and XXXX. Also XXXX says the account was closed and fully paid off by Kikoff XX/XX/XXXX, However the chargeoff date on my XXXX report is XX/XX/XXXX and if the account was " paid '' off how is there a balance at all. Also if there is a balance why does the balance show {$10.00} on both reports when the alleged payment history XXXX provided states {$1.00} per late month a total of 4 months so the alleged balance would be {$4.00}. XXXX you have not only falsified statements to myself and the CFPB but you also have willfully and knowingly furnished false and inaccurate information to my consumer report to tarnish my reputation. My next step will be legal action as you have not provided an accurate itemization of the alleged balance of {$10.00}. I also will like the terms of conditions that I signed in which you mentioned in your response. CFPB I am seeking justice from Kikoff and XXXX who is an officer of Kikoff in violation of 15 USC 1681s-2 and 15 USC 1681i by not doing a thorough investigation and by willingly furnishing inaccurate information. Also violation of 15 USC 1692e ( 2 ) by using false characters and amounts to collect on a debt, 15 usc 1692g by not providing sufficient verification of the alleged debt, 15 usc 1692j by furnishing deceptive forms such as the alleged payment history that does not go with XXXX 's statements nor my consumer reports, 15 USC 169k by failing to comply with the FDCPA, 15 USC 1681n and 15 USC 1681o by negligent and willfully complying with the FCRA. This also shows a conspiracy of identity theft pursuant to 18 USC 18028a with Kikoff, XXXX, XXXX, and XXXX by the accepting of payments to furnish fraudulent information.
05/18/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	AL 35806	Web
Subject : URGENT Request for Immediate Removal of Late Payment Entry - Account Number : XXXX Dear Kick Off Lending, I am writing to you with utmost urgency and deep concern regarding the presence of a late payment entry on my credit report associated with my account, Account Number : XXXX. I demand, in no uncertain terms, the immediate removal of this damaging entry within the next 7 days. The inclusion of this late payment entry on my credit report is an egregious misrepresentation of my financial responsibility and jeopardizes my ability to obtain credit. I can not stress enough the gravity of this matter, as it directly affects my pursuit of a mortgage and other crucial financial endeavors. I want to be unequivocally clear : this late payment entry is not a reflection of my financial character or my commitment to meeting my obligations. It is an isolated incident, an anomaly amidst a history of responsible financial conduct. The impact of this entry on my creditworthiness is unwarranted, unjust, and wholly unacceptable. I demand that Kick Off Lending immediately conduct a thorough investigation into my account and take swift action to rectify this detrimental situation. It is imperative that you promptly remove this late payment entry from my credit report, restoring the accuracy and integrity of my credit history. I am well aware of the rights and protections afforded to consumers under the Fair Credit Reporting Act ( FCRA ). Kick Off Lending 's failure to expeditiously address and resolve this matter constitutes a blatant violation of its obligations under the FCRA. I will not tolerate such disregard for my consumer rights and the damaging consequences it has imposed upon me. I insist that Kick Off Lending provides written confirmation within the next 7 days, unequivocally stating that the late payment entry associated with my account, Account Number : XXXX, has been entirely expunged from my credit report. Anything less than your immediate action to rectify this injustice will leave me with no choice but to pursue all available legal avenues to seek redress and hold Kick Off Lending accountable for its actions. Furthermore, I implore Kick Off Lending to thoroughly reassess its internal procedures and safeguards to prevent such gross missteps from recurring in the future. Your customers deserve transparent and ethical treatment, along with accurate reporting that upholds their financial well-being and integrity. I expect and demand the utmost urgency in addressing this matter and an expeditious resolution that fully restores my creditworthiness. Failure to comply within the specified 7-day timeframe will compel me to escalate this matter publicly, share my grievances widely, and seek legal recourse to safeguard my rights and financial future. I eagerly await your prompt response and the immediate removal of the late payment entry associated with my account, Account Number : XXXX. Time is of the essence, and any delay or indifference on your part will be met with the full extent of legal action and public exposure. Sincerely,
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63119	Web	Servicemember
I opened a account with this company ( KICKOFF ) to help with adding positive reporting accounts on my credit report. They're 1 of many companies that consumers can pay a monthly or annual fee for the company to report a positive account balance and credit limit without the customer having physical access to that line of credit ( Authorize user type account without physical access to account ). I ended up having 2 accounts with this company, not Intentionally. My initial account was established XXXXXXXX XXXX XXXX. I was happy with the reporting in the upcoming months and happily paid the {$2.00} a month for my POSITIVE reporting account. 6 to 7 months later I damaged my phone a receive the new device. With this new device I had to set up all my apps again. I went to login to my KICKOFF account and had troubles. I ended up having to put my information into the app just to be able to gain access. At this point I'm under the impression that I just went through a verification process in order to access my original account. Apparently I created a 2nd account unknowingly. 2-3 months later after consistently paying my original account thinking that I was paying my full obligation of {$2.00} a month as expected, my credit score dropped like a brick because of Delinquent 90 day late payments and a closed account being reported by KICKOFF. I looked at my credit report and I noticed I still had a positive reported account with KICKOFF. Still confused I went to the app to investigate and noticed the 2nd account. I reached out to KICKOFF and explained that I was unaware that i had 2 accounts with them and the 2nd was made by accident. Note that my original account was in great standing and i never made a payment on the 2nd account that was opened. With that simple observation you would recognize i was totally unaware. Why would I be responsible with 1 account just to be totally negligent with the other? I kindly requested an opportunity to resolve the delinquent account to change the reporting status. I was rejected with a statement that said its my fault and I have to deal with it. I became extremely angry and tried to explain in more detail why it's not fair. I was gaslite in emails responses stating when an account is closed it can't be opened and a newly closed account will temporarily affect my score and its nothing to worry about. I didn't ask at any moment to reactivate the 2nd account, my only request is that it would be removed from reporting. It has been blatant neglect to resolve my reported late payments because they stopped answering my emails. This company is supposed to help report positive information yet they're not willing to help revise a mistake that wasn't intentional instead reporting harsh information to my credit report that's preventing me from getting the funding i need to start my business and purchase a home. The account is being reported as paid on time and delinquent all at once under XXXX XXXX and XXXX.
09/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33713	Web
Kikoff provides you with a {$12.00} virtual loan to assist with building your credit. They do not give you the {$12.00}, instead they put it in a wallet that is accessible on their website and allow you to make {$1.00} payments via their website for 12 months until the " loan '' is paid off. Recently, due to Kikoff and other lenders that were processing erroneous accounts, most of the credit bureaus created a threshold at which they would report these types of loans. I did not have the option at anytime to close the account or payoff the loan, I could only pay {$1.00} per month. To my knowledge, this was happening automatically. During the beginning part of 2021 I had lost my job and kikoff was the last thing on my mind. I had not received any letters in the mail indicating I had an outstanding debt. I also did not receive any emails from kikoff nor any mail correspondence or phone calls from Kikoff advising of an outstanding debt. On XX/XX/2021 I received an email that stating that my account was going to be closed for non payment and that they would report my account 90 days late in addition. I was unsure how the account would be late considering the funds needed to pay the " loan '' were in their possession the entire time. I never had the funds. They were simply given to me by them, held by them, and then paid back to them. There was never a transfer of funds from an external source. Additionally, I had not gotten ANY emails from them prior to XX/XX/2021. I have attached my account information with Kikoff which shows that my email address is not verified. If they allege they were emailing me all this time, how were they confirming I was getting them as my email was not verified? Therefore they never got any confirmation at sign up that my email was working properly. Additionally, how was the ONLY email I did get one advising me that my account was closed? You will also note in my email that there is a payment receipt. The other account I had with Kikoff I went ahead and paid in full as that account did require an exchange of external funds from an outside source. I am curious how this is legal that a company can " lend '' someone money that is always in their possession and use the SAME funds that were " lent '' to pay back the 0 % interest loan. A secured loan is when the lender provides the consumer with a loan of say {$500.00} and holds the {$500.00} in their possession and once the consumer pays them {$500.00} with external funds, the bank then refunds the consumer the {$500.00} and closes the loan. In kikoffs case, the loan funds and the repayment funds are the exact same. I got a loan for {$12.00} and used that same {$12.00} to payoff the loan so if I paid {$1.00} the loan would decrease by {$1.00}. They sent me an account statement via email on XX/XX/2021 when I tried to rectify the matter. This statement was never provided to me prior via mail nor email.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75081	Web
Consumer Financial Protection Bureau [ Address ] [ City, XXXX, ZIP Code ] Subject : Complaint against KIKOFF LENDING LLC To Whom It May Concern, I am writing to inform you that I have filed a formal complaint against KIKOFF LENDING LLC regarding the inaccurate reporting and unjust practices related to my account. I have also sent a detailed letter of dispute directly to KIKOFF LENDING LLC, which I have included below for your reference. Account Number : XXXX Late Payment in XX/XX/XXXX Account Opened in XX/XX/XXXX Never Been Late Before The inaccurate reporting of a late payment on my account in XX/XX/XXXX has had a severe negative impact on my credit score, causing detrimental effects on my financial standing and opportunities. Despite my consistent and timely payments on the account, the late payment tag has unjustly affected my creditworthiness. Furthermore, KIKOFF LENDING LLC added a new charge to my account at the one-year mark, without my authorization or prior notice. This action is not only a violation of our agreed-upon terms but also demonstrates a lack of transparency and fairness in their practices. I have made every effort to fulfill my obligations by settling the original balance, expecting to conclude my responsibilities. However, the addition of unauthorized charges has caused confusion and frustration. As a responsible consumer, I have taken the necessary steps to address these issues by lodging formal complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ). I firmly believe that KIKOFF LENDING LLC should be held accountable for their actions and should comply with the regulations set forth by these governing bodies. Moreover, I would like to emphasize that KIKOFF LENDING LLC is bound by the Fair Credit Reporting Act ( FCRA ). This federal law mandates accurate and fair reporting of consumer credit information. However, their erroneous reporting, including the late payment tag and undisclosed charges, has negatively impacted my credit score, limiting my access to favorable interest rates, loans, and essential services. I kindly request that the Consumer Financial Protection Bureau investigates my complaint against KIKOFF LENDING LLC thoroughly. I urge you to take appropriate actions to rectify the inaccuracies associated with my account, ensuring the removal of the late payment tag and any unauthorized charges. Furthermore, I request that the negative impact on my credit report is reversed, allowing my creditworthiness to be accurately reflected. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and in line with the FCRA guidelines. Resolving this issue will not only provide a fair resolution for my account but will also restore my faith in the consumer protection system.
07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	NV 89139	Web	Servicemember
Today on XX/XX/XXXX, I received an email that states : " Congratulations on making another purchase with your Kikoff Credit Account! Heres the order receipt for your purchase : Total : {$60.00} Payment method : Kikoff Credit Account New account balance : {$60.00} You can see the details of your Kikoff Credit Account from your dashboard : https : //kikoff.com/dashboard And you can access your purchase by going to the Order Center : https : //kikoff.com/dashboard/credit-account/orders Remember to make on-time payments to build your payment history! '' I was just on KikOff a few days prior looking at my previous accounts to make sure they were closed and I screenshot the statements. So if I know I have no new accounts because in order to start a new account with you guys, depending on the chosen limit, EVERYONE has to input the initial start fee to get the ball rolling. That is how Kikoff accounts become activated. So why is Kikoff opening a new account underMY name without MY permission? Please explain to CFPB why you opened a new account under my name without permission? To KikOff : Did you think I wouldn't take screenshots? Do you think I wouldn't be educated enough to notice major typos AND illegal back dating??? No, seriously? Here is an annotation of actions under KikOff from legal to illegal : XX/XX/XXXX, I, the customer applies for a {$60.00} Kikoff Loan that credits at {$750.00} after payoff. This is a loan to build payment history on credit reports and is not a transactional handheld loan. ( A screenshot has been added as proof ) Each month from XX/XX/XXXX to XX/XX/XXXX, for {$5.00} a month, this Kikoff Loan was payed for. Only XXXX were missed but were immediately caught up. ( A screenshot is added as proof ) BECAUSE today is the XXXX, and it's XXXX XXXX, it would have been impossible for me to have signed up for another {$60.00} Kikoff Loan on the XXXX to then receive at XXXX an email about the loan on the same day. What makes it impossible would be that THE CUSTOMER would have had to put in for that loan the day prior to receive an email the next day but for KikOff applications, loan approvals are IMMEDIATE. HINT : I STILL HAVE, STARRED, THE EMAILS FROM LAST YEAR WHEN I SIGNED UP. ( Screenshots attached as proof ) Logging on to Kikoff App today after receiving said email, I opened the section that says " Kikoff Loan details '' and at the very bottom, I find : " Account open date is XX/XX/XXXX, Next Closing date is XX/XX/XXXX '' ( Attached as proof is my record transaction statement from Kikoff that shows the actual start date of the loan I opened with my permission while the second screenshot shows the same account getting reopened but with the wrong dates/back dates that clearly do not match up at all with the transaction history. )
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35126	Web	Older American
I did know that this company had sent false information to XXXX until today. XXXX XXXX. They told XXXX that I owed them 2 months of payments for a loan. This was not a loan it was a saving account to save money. They told XXXX I was behind 2 months on a loan. I have never borrowed any money from Kickoff lending, I purchased a book from them more than 2 years ago but this was paid off, never late not one time. I had very good credit with Kickoff and now they told XXXX I was 2 months behind on a loan I got from them. I had a saving account with them but they said I would be able to see the saving on their website but it was no where to be founded I then tried to contact them about the saving account but was unable to get any response from them about it. You can not call them only e-mail or by mail. I sent several e-mails to them over some weeks but no response from them so later some weeks ago I sent them a letter requesting them to close the saving account some weeks later because I was never able to see the amount in the saving account, They said I could see the saving account on their website but it was not there of which I received and e-mail stating they had closed the account and they would send me my money, so far I have not received it. It was a saving account not a loan but they told XXXX it was a loan which is not true. They said I was 60 days pass due on the loan but it was a saving account not a loan. They would have known I wanted to close the account if they had answered my many e-mails. They say it was a loan but it was a saving account. I was never able to contact them about the saving account. If they had answered my e-mails then they would have known I wanted to close the account because I was not able to see the money I had put into the savings. It was not on the website to view. They said it was on their website but it wasn't .there to view. Each time I tried to view the account it was not there. I tried to close the account by e-mails but I never got any response back from them so finally I sent them a letter requesting the account to be close so they finally close the account after about a month and said they would send me my money but they haven't sent it. I don't understand why it was not on their website to view when they said it would be there. I never saw it on their website. I search all over their website and it was not there. They told XXXX it was a loan but it was a saving account and that I was 60 days pass due. It took me more than 2 months to get in touch with them, That's when I sent the letter to close the account. They never answered my many e-mails. They told XXXX it was a loan but it was not a loan but was a saving account.
12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30032	Web
I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 15 U.S Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29687	Web
I opened an account with Kikoff. The agreement was for XXXX dollars a month for 12 months. I paid on time and completed the agreement. Since the time that I started the account, I have changed emails, phone numbers and I do not have access to the old Kikoff because when I was done I deleted the app. They continue to charge my bank account XXXX dollars which is XXXX dollars more than what I was paying before after I was done with the one year agreement.. I did not notice they were still charging my account until I switch banks, and Kikoff reported I was over 30 days late. I finished my 12 months XXXX dollars a month agreement and they continued the account after I completed it and increase the amount to XXXX dollars. It is not about the money I have money, but I had a perfect payment history for the last XXXX years of trying to build my credit and now I have a late payment 30 and 60 days more because I can not make a complaint with Kikoff directly because I no longer have access to my old phone email or app information and when you go on to their site to complain they want a account number for you to submit a ticket for a complaint. So I cant resolve it through them. I contacted the XXXX XXXX XXXX and Kikoff repeatedly sends the same that they are legally obligated to report the correct information and they are not responding to my particular situation. Theyre giving a generic response.. I dont see how they can charge me for being late when they kept the account going for longer than I agreed when I finish the one year and close the account. So I have no way of logging in for a complaint. I have no way of talking to a real person at Kikoff, and they have now made my credit go down for late payments when I had a perfect credit history for the last XXXX years. It is ridiculous that you can not reach anyone or do anything when you are locked out and have none of the same information you had when you open the account year or more prior. I would like them to remove this from my credit history because I have not missed any payments on any of my bills. I have a good income and I do not care about paying a little XXXX dollars a month but I do care about them, being con artist, and charging me after my account was complete. Without my knowledge I just did not realize it until I switch banks, and they no longer were able to take the money out without me realizing, somebody needs to stop this and I need this handled
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35124	Web
Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. I am writing to seek assistance and guidance regarding a matter related to the timing of payments on my credit accounts. Under the provisions of 15 U.S. Code 1666b, I believe I may have experienced issues that warrant your attention and intervention. I hold various credit accounts with different financial institutions, and I have noticed that there have been instances where my payments were credited as late, even though I made the payments well before the due date, in accordance with the terms and conditions of the respective credit agreements. These late payment notations on my credit reports are adversely affecting my credit score and financial standing, which is of great concern to me. As per 15 U.S. Code 1666b, creditors are required to credit payments as of the date of receipt. I have documentary evidence, such as payment receipts and bank statements, demonstrating that I made timely payments. Despite this, I have faced difficulties in getting the late payment notations corrected on my credit reports. These inaccuracies have had a significant impact on my ability to obtain credit and favorable terms for financial products. I kindly request your assistance in investigating and rectifying this matter. Specifically, I am seeking : A review of the credit reporting practices of the institutions involved to ensure compliance with 15 U.S. Code 1666b. Corrective actions to remove any incorrect late payment notations from my credit reports. Guidance on how to prevent future occurrences of incorrect late payment notations on my credit reports. I am attaching copies of the relevant documents, including payment receipts, bank statements, and credit reports, to support my case. I would be grateful for your prompt attention to this matter and any guidance or intervention you can provide. I understand the importance of maintaining accurate credit information, and I believe that resolving this issue will help me regain my financial stability. I appreciate your help and support in addressing this matter in accordance with the provisions of 15 U.S. Code 1666b. Please feel free to contact me at the above-mentioned phone number or email address if you require any additional information or clarification. Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85048	Web
In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payements, I demand deletion at once with these late payements reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from excersing my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30080	Web
RE : Dispute Request for Removal under 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : KIKOFF LENDING LLC- XXXX I am writing to formally request the immediate removal of the above-mentioned account from all of my consumer report ( s ). The inclusion of this inaccurate and outdated information constitutes a violation of my consumer rights under the FCRA, specifically : -15 USC 1681a ( 2 ) - : The reporting of inaccurate, outdated, or the information in my consumer report is prohibited. This account is prohibited and illegal to be reported on my credit/consumer report because it is a violation of 15 USC 1681a ( 2i ) : ( 2 ) Exclusions. consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; this account has listed the transactions and experiences on my consumer report and this is prohibited by federal law. -15 USC 1681c ( 5 ) - : The FCRA grants me as the consumer the right to have obsolete information removed from their reports. This account is obsolete due to : being a direct volition and is in violation of -15 USC 1681c ( 5 ) - ( 5 ) : Any other adverse item of information, other than records of convictions of crimes are to be excluded. This account is no such. Impact of inaccurate reporting : This act of reporting this account on my consumer report has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss of opportunities to increase income and also leverage to receive credit and loans. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. KIKOFF LENDING LLC has compromised my financial stability and contributed to a deep sense of insecurity about my future financial well-being, reducing my ability to make a good living for myself and my family. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss and navigate the challenging financial consequences. It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70508	Web
I NEED help getting this off my credit report by these CRIMINLAS, KIKOFF LENDING. There is no record for me opening, paying to join, or paying a fee to KIKOFF, yet it shows I made payments in XXXX, AND XXXX and missed a payment in XXXX. Account supposedly opened XX/XX/XXXX, yet showing a first payment made on XX/XX/XXXX, followed by payments in XXXX ( not reflected in any of my bank accounts anywhere ). That is the FIRST RED FLAG AND FLASE REPORT. I HAVE SENT NUMBEROUS EMAILS, MAILED PAPER LETTERS, CALLED, ETC. TELLING THIS TRASH COMPANY THAT THIS WAS NOT ME AND SHOWING PROOF THAT I ASKED FOR THIS TO BE CLOSED AND IMMEDIATELY DELETED IN 2 SEPERATE EMAILS IN XXXX AND YET YET AGAIN IN XXXX AFTER SEEING THIS WAS FRAUDULENTLY OPENED IN MY NAME ( TO WHICH I GET NO REPLY ). I didnt use THE {$250.00} from KIKOFF THEY CLAIM AND ARE CHARGING ME XXXX A MONTH FOR. THEY ARE DESTROYING MY LIFE OVER XXXX dollars! THEY ARE SICK! I wouldn't even know where to go to pay this. I am starting a petition to make sure these CRIMINALS get shut down and REMOVE the false information on my credit report. Please do research and see there are THOUSANDS OF PEOPLE IN MY SHOES WHO HAVE BEEN VICTIMS TO THIS SCAM. I did not open this account, I asked for it to be deleted in XXXX and XXXX. Account should have been deleted LONG BEFORE MY " MISSED PAYMENT '' THEY REPORTED FOR XXXX. I wont stop until this XXXX is 100 % off. This is illegal and erroneous reporting. They are fraud. I've asked NUMEROUS TIMES to be provided proof of my signature for this " loan '' and PROOF OF the {$250.00} used and have got nothing in 6 months. They have no working phone number. EMAILS GO UNANSWERED OR ARE ANSWERED BY ROBOTS and it seems theyve blocked my emails now. Please help. Attached are emails to them in XXXX and XXXX that went unanswered asking to close this account, a formal police report Ive filed and submitted to them for fraud/identity theft. Please do your due diligence. I BEG YOU TO HELP REMOVE THIS MISSED PAYMENT AND this entire ACCOUT IN FULL OFF OF MY CREDIT REPORTS AT ALL BUREAUS. I have attached a few emails but have HUNDREDS more. I DO NOT OWN THIS ACCOUNT. I have PERFECT payment history, I wouldnt skip a {$20.00} payment. It has ruined my life and credit bc now I lost the home I was purchasing bc it dropped my score XXXX points.
10/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 070XX	Web
Ive been a victim of severe identity theft. Ive reported this incident to Kikoff, XXXX, and XXXX. They continue to verify these fraudulent accounts opened under my name without disclosing who or what information has been verified. I can guarantee they are verifying fraudulent charges. I submitted a complaint through the CFPB, and KIKOFF continues to verify this account, but it is inaccurate. Addresses are reporting on my credit report that are not mine but has been placed there because of these fraudulent accounts. My only address is XXXX XXXX XXXX, XXXX, NJ XXXX. Any other address is fraudulent. The only different address Ive previously resided at was XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, as per my police report. I am demanding, as per my rights and police report, that both companies remove this information from my credit report if they can not provide the following : 1. The agent ID at the company who is verifying this fraudulent information ( Who ) 2. The information that is being verified ( What ) 3. Where were those cards mailed, or what address has been used ( Where ) 4? A purchase report of the credit card opened under my name This information should be returned to me within 30 days. Ive attached my police report and my bank statement for proof of address. Kikoff is verifying this account with inaccurate personal information. It is my right to know the information being confirmed. I can guarantee they are verifying this fraudulent account with information that is not mine. This company doesn't provide proof that this debt belongs to me because it doesnt. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your KIKOFF or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ; therefore, if you can not validate the debt and show the information used to verify this account, you must request that all credit reporting agencies delete the entry.
08/26/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CO 816XX	Web
To Consumer Financial Protection Bureau ( CFPB ), Subject : Unauthorized Transactions with Kikoff Inc. through XXXX From : XXXX XXXX I am writing to bring to your attention an ongoing issue I have been experiencing with Kikoff Inc . I have observed unauthorized transactions on my account via XXXX, transactions that I never initiated or authorized. I had previously filed a complaint with the CFPB regarding the same issue, expecting a resolution, but my efforts have been in vain. In response to my complaint, Kikoff Inc. did reach out to me, asking me to call them directly to provide further details on the unauthorized transactions. To that end, I have contacted their customer service department on four separate occasions. Each time, I have been met with a lack of clarity, inconsistent information, and confusion. Their representatives seem unable to explain the situation or even confirm whether disputes have been opened for the said transactions. Adding to the frustration, their response from XX/XX/XXXX is misleading. I had contacted them well before that date and provided all the information they had requested in their reply to the CFPB. Their claims are inconsistent with the actual timeline of events and the steps I have taken to address this matter. Moreover, the consistent inconsistency in the information provided by Kikoff 's representatives is concerning. It has been challenging to get a straight answer, and it feels as though I am being given the runaround. I place a high value on transparency and honesty in all my financial dealings, and it's troubling to feel this trust might be breached. I understand that errors can occur, but the lack of responsibility and communication from Kikoff Inc. is unacceptable. I am seeking assistance from the CFPB once again, hoping for a decisive resolution to this matter. I need these unauthorized charges to be addressed promptly, and I would also like an explanation from Kikoff Inc. about their misrepresentation of events and their inability to assist their customer adequately. I appreciate the CFPB 's assistance in this matter and hope that with your intervention, this issue can finally be laid to rest. Thank you for your attention to this matter. Sincerely, XXXX XXXX
07/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	OH 44805	Web
On XX/XX/2022 I received a credit alert that Kikoff Lending Llc opened an account under my name. I've been dealing with identity theft since XX/XX/2022. I contacted two different numbers that were given to me numerous times. One number no one answers and then goes to a voicemail not set up and the other number tells you to go on line to their support. The card opened XX/XX/2022. It had a recent balance of {$22.00} as of XX/XX/2022. Credit limit or original amount {$500.00}. High balance {$24.00}, monthly payment {$2.00}, recent payment amount {$2.00}. XX/XX/XXXX I sent them an email stating my complaint to them about a false account. XX/XX/2022 I got a response from XXXX, from Kikoff, wanting personal information to try and resolve this, like full legal name, the lat 4 of my SSN, and my current address. XXXX XXXX I replied I did not trust giving anyone my personal information but would give them the information I received on the alert because I had not received any other information about this except through XXXX. XX/XX/2022 I received an email from XXXX from Kikofff, telling me they couldn't close the account unless I fill out a formal affidavit of identity theft through a secure link. Again, this form wanted personal information so I did not send this form into them. XX/XX/2022 I emailed them again I would like someone to help me close this false account. I asked someone to please call me XXXX, from Kikoff again sent an email requesting me to fill out a formal affidavit of identity theft on their " secure link ''. I did not fill out the form because I didn't trust it. XX/XX/XXXX, I sent another email asking for this false account to be closed. On XX/XX/2022, XXXX XXXX again asked me to file a formal affidavit. On XX/XX/2022 I sent them a police report on their " secure link ''. On XX/XX/2022 I also filed a complaint to the XXXX XXXX XXXX, which also showed Kikoff is not an accredited company. On XX/XX/2022 I received an email telling me " based on the information included in your fraud claim we have determined there is clear and sufficient evidence to remove this tradeline from your account history. ''
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38125	Web
The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information. When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation. In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.
10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34606	Web
In XXXX of 2022 I began receiving billing statements via email to my non business email address from a company called Kikoff. I researched and found out they are a credit boosting company and they claimed I owed them a balance of {$10.00}. I believed this to be an error but the service looked interesting and so I tried to contact them to get customer service or resolve the outstanding bill. On trying to contact them I found that it is impossible to do so as they have no customer service number. I considered that i may have auto-filled information and may have forgotten and perhaps that is how they obtained my information. I tried to log into an account they said I opened but I could not as no password I would ever use worked. I became more suspicious and I emailed the company explaining my situation. Eventually they emailed back and XXXX flagged the response as a suspicious email. At this point it became evident to me that I was dealing with a fraudulent and possibly fictitious company. I disregarded the emails as spam that was fishing for my personal information. Every month after I kept receiving an email bill of {$10.00} per month. Eventually XXXX credit monitoring contacted me and reported that kikoff flagged my credit and that is when I realized that they had access to my personal information including my social. Those had an extremely negative affect on my credit, dropping my score over 100 points for a {$30.00} balance. I wrote the company again threatening legal action and I've received nothing but patronizing responses from their " support '' team. I disputed the claim through XXXX and my dispute was refused. I am extremely frustrated and my life has come to a halt as the timing of this situation is just as I was intended to leverage my credit for a large purchase. Please advise. Thank you. I have currently filed a police report in XXXX XXXX, Florida case # XXXX
01/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 495XX	Web	Servicemember
On XX/XX/XXXX I contacted customer support to dispute 5 transactions not approved by myself that totaled {$410.00} The billing agreement state the process and policies of the disputed account info as follows ; Contact us to provide the following : ( 1 ) Tell us your name and account number ( if any ). ( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. ( 3 ) Tell us the dollar amount of the suspected error. We will investigate your complaint and will work to correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error so that you will have full use of the money during the time it takes us to complete our investigation On XX/XX/XXXX I called to inquire my I had not received a credit to my account after the 10 days as per the aforementioned billing agreement. After several hours reiterating their own policies verbatim countless times I was told repeatedly that this language was not true and that I was not eligible for any account credit and that was their policy. I asked for specific direction to confirm this previous um herd of new policy but none could be given. This process continued countless times before they simply disconnected the call This is a violation of the XXXX laws On.XXXX I transferred my direct deposit account used to receive my monthly XXXX benefit from SSA to kikoff/XXXX XXXX because of a promotion advertising a {$200.00} bonus to do so. This {$200.00} bonus promotion has still not been honored after ive switch to their account and received direct deposits. On XX/XX/XXXX my money XXXX benefit of {$1200.00} from SSA paid by direct deposit to this account was not received. From XX/XX/XXXX to the current day XX/XX/XXXX Kikoff and XXXX XXXX has stolen {$1800.00}
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85225	Web
Im having a problem with this company KiKoff Lending, due to the fact they are not being honest and trustworthy as a company. The company is not following FCRA law to protect consumers from inaccurate credit reporting. I have tried to speak with this company via phone, but they do not have a number. I spoke with them via email and tried to explain that they are obliged to remove this account from my credit report report because its inaccurate as when it was first reported late, and the high credit amount and the payment dates across each bureau differ. Under the FCRA law its their responsibility to report accurate across each bureau. By them continuing to report these inaccuracies, its drastically effecting me and preventing me from buying my first home. This has become very frustrating seeing how this company doesnt get back to you in a timely manner and its impossible to get someone on the phone. I have been dealing with this same issue now for over the past 120 days and made several different attempts via certified mail directly to Kikoff Lending and each bureau that they are reporting to. I have attached the inaccuracies in my credit report and have attached them verifying this information as correct which is not valid via pictures and circle how its different in each bureau and another picture showing how its reports 30 days late on one bureau but report paid on another bureau. I am requesting to remove this company information from my credit report entirely. Moving forward I dont want any further dealings with this company seeing how they are not fair or honest company. I also attached a picture showing the dispute from XXXX, where Kikoff reported it verified an accurate which cant be true, seeing all of the information I have provided you and the attachment showing its inaccurate.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33180	Web	Servicemember
ATTN : XXXX XXXX CEO of KIKOFF LENDING , LLC has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by KIKOFF LENDING , LLC before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or KIKOFF LENDING , LLC to furnish any late payments to my consumer report. It is my belief that due to KIKOFF LENDING , LLC business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 117XX	Web
I am writing to reiterate my concerns regarding discrepancies in my recent credit report obtained from your agency. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a, it is imperative for credit reporting agencies to furnish accurate and up-to-date information to consumers. Upon a careful review of my credit report, I have identified several instances where the dates associated with various credit accounts do not align with my records and the information provided by the respective creditors. Specifically : The " Last Payment '' information for my account appears to be inaccurate. I am also unsure about the meaning of the " Creditor Remarks '' on my XXXX report. Please provide clarification on this matter. I had initially brought these concerns to your attention with the expectation that corrective measures would be taken promptly. Regrettably, your response indicated a disagreement with my observations. As a consumer, it is my right under the FCRA to have accurate information in my credit report, and I find it necessary to emphasize the importance of rectifying these discrepancies. This serves as a final notice and an opportunity for Kikoff to address and correct the inaccuracies in my credit report. Failure to take corrective action will leave me with no alternative but to pursue civil and criminal liability under 15 USC 1681n, which allows for penalties of {$1000.00} per violation. I am giving Kikoff one last chance to rectify these discrepancies and provide a written confirmation of the actions taken. I request your prompt attention to this matter and a comprehensive response outlining the steps taken to correct the inaccuracies. Additionally, please provide an updated copy of my credit report reflecting these corrections.
09/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 55106	Web
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) EXTRA credit card opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX XXXX ) XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX Self Lender opened on or about XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) Self XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX self lender opened XXXX XXXX ) XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX ) XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me
03/04/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NY 11237	Web
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.
07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92647	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Subject : Request for Investigation and Correction of Discrepancies on My Consumer Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported " late payments '' on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request an urgent rectification. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. The accounts for which I have been erroneously marked as late are as follows : Kikoff Lending LLC : XXXX Paid as Agreed I have requested that the Consumer Financial Protection Bureau ( CFPB ) carry out an in-depth investigation of these issues. I would appreciate it if you could provide me with detailed statements that validate these supposed late payments. Should you not be able to furnish substantial proof of these late payments, I hereby request in compliance with FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status - " on time ''. This is imperative as I have never, to my knowledge, been late on these accounts. Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports. Yours sincerely, XXXX XXXX XXXX
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22554	Web	Servicemember
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' KIKOFF LENDING LLC Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. Balance {$40.00} Credit limit XXXX XXXX Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( 7 mos ) Payment History Youve made 100 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Amount past due {$5.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Charge Account Responsibility Individual Account. Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
04/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MI 495XX	Web	Servicemember
after meeting all the requirements to obtain kikoff 's advertised {$200.00} cash bonus promotion several months passed and the company still hasn't honored the advertised promotion. i contacted their customer service number at least 20 times and i received the same answer each time. they say that they have no access to any of my information and that id have to contact kikoff through XXXX to which i have done dozens of times and with the exception of the automated email saying " we got your message '' kikofff has only responded 1 time saying that they needed to escalate the issues. that was months ago. since then I've contacted customer support who just tell me they have no info and to email them so i do and they never respond. below are the disputed amounts and dates that Kikoff owes me the money for, has an obligation to and a fiduciary duty to honor and has still not paid me for. I find it very hard to believe that there's not a federal regulation requiring financial intuitions the maintain deposit accounts, checking accounts, loans and credit cards somehow have no way to realistically contact the company and effect a resolution. i'm sick and tired of kikoff just passing the buck or kicking the can down the road by telling me to email some bs address that never replys. now im sure {$720.00} means next to nothing to them, but for a person afflicted with a total and XXXX XXXX who's only income is a ssa monthly benefit {$720.00} to me can be the difference between life and death XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/18/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	GA 30096	Web
First.. I have excellent payment history on all my bills. All creditors except Kickoff send emails or mail when bills are due. As soon as I get them, I pay them. Kickoff did not send emails or letters to me. Last year I became a Kickoff customer to build my credit. I invested {$12.00} of my own money into Kickoff. Kickoff was paid the {$12.00} immediately. Now, the only thing I had to do was simulate Im paying them each month on time. In the beginning they sent emails for about 3 months. I believed what i read when I joined their platform that I needed not to worry about keeping up with the simulated payments because they will automatically do it for me because they already have their money. I never borrowed any money from them. Since I did not receive any more notices from them, I literally forgot about my account with them. They were not reporting on my credit report until they sent to my credit report I was late for months of non-payment on a loan. This was a surprise to me because, I never borrowed anything from them. So my credit score dropped 40 points. I reached out to Kickoff and requested for copies of emails to be forwarded to me. What they sent was a made up chart that of course did not validate that they sent me an email or letter via mail. I mentioned to them that if I called anyone of my creditors, they can forward me the emails and letters they sent. I received no more response after that. I disputed it with XXXX telling them, I never received a loan from Kickoff to which this would not make them a creditor. I owe them nothing. They refuse to validate proof and remove the derogatory information on my credit report that wasnt true.
08/16/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Banking errors	WV 26554	Web	Servicemember
Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX West Virginia XXXX!! The complaint is regarding charges that was put on my account by an fraudulent charges from companies that I have no business with them and several other charges from cell phone company and I had an XXXX reversal refund last Saturday on XXXX XXXXthese people need to be investigated they are running an adverse business within the United States of America and working the company out of the XXXX overseas transactions call XXXX kick-off account owned by XXXX XXXX XXXX kick-off account upside down K?? On the XXXX XXXX XXXX if you search it but this problem with these people have been going on since XXXX XXXXi have tried every way possible to get this problem straightened out and they cancelled an new credit card and debit card for no apparent reason before it even shows up in the mail!!! Over XXXXdollars worth of charges has been applied to my account and that'll absolutely not mine it ran my account over in the red XXXX dollars because of the illegitimate charges that got put on my account so with that being said they took my {$200.00} refund when it hit the account and they refuse to straighten anything out and threaten to close the account up for illegitimate charges that was placed on my account someone. Within this company is stealing money from the customers or clients who share their financial situation with theses people their address is XXXX XXXX XXXXXXXX XXXX XXXX Utah XXXX please let me know what the outcome is with these people but it really does need to be investigated they are an branch off of XXXX XXXX XXXX kick-off account
10/31/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 90028	Web
Upon completion of this credit building program I earned XXXX that was supposed to be deposited in my bank account that they have on file. First when I tried I was denied because they said that I needed to use another account. They deducted money from the account on a monthly basis now the account is not valid. I was in contact with someone who told me that she was working on it Here are a sample of the emails : XXXX XXXX, Thank you for reaching out to us, Upon reviewing our records i see that you need to re verified in order to be used. Please note that over time this connected XXXX accounts need to be re-authenticated. If you have any further questions, please reach out to us, and I'll be more than glad to help you. Best, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX ( 7 days ago ) to me Hi XXXX XXXX Thank you for your response, We apologize for the late response, we carefully reviewed the information you sent to verify your bank and it has all the criterias we asked for. I have manually approve it please don't hesitate to let me know if you have any additional questions! On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : I got an error message to use a different bank account of go to my linked account to verify my linked account. My linked account has not changed. There is nothing to verify on my account. XXXX XXXX XXXX XXXX XX/XX/2023, XXXX ( 4 days ago ) to XXXX XXXX nothing. Sad that you think that it is okay to play with a person ' ; XXXX mind like you have. I have not done anything wrong and yet you are playing a game with me. Why? I have read other online review similar to my situation
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85281	Web
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : Delete the alleged accounts off my consumer report and I demand that they also send me XXXX in remedy for the damages done in puirsuant to 15 usc 1681n they have caused mental and financial distress and a hardship in my marriage.
08/31/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MD 21208	Web
XX/XX/2023, I realized my account with Kikoff was closed and I didnt get a notice until after it was already closed when I checked my email. I was going to pay for my copay for the eye doctors because I thought I had a scratched eye. They seized all the money I had at the time and I almost couldnt be seen to fix my eye. It wasnt for my friend I couldve went XXXX since I couldnt pay for anything and I was sitting there looking stupid. I tried calling calling there support number but it kepted asking for a card number or my ssn. The automated voice couldnt recognize neither since I guess my account was already closed. So I had to email them in which I had to wait 2-3 buisness days for them to reach back to me and it states At this time our fraud team has investigated the account and has processed a closure of the account due to inconsistent information found. We do regret to inform you that this action is permanent and will need to refer you back to your financial institution for any further action on funds sent to the account. We thank you for your cooperation in the investigation and wish you well on your financial journey. I find that to be crazy because I can verify all of my information. All they needed to do was contact me! As of now I dont have any money and I have to open up another account for my direct deposit. They wont give me my {$220.00} until XX/XX/XXXX. I need that money because I am supposed to be going on vacation soon. This is all an inconvenience to me and its not fair because I actually liked using them as a bank.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	VA 24112	Web
My name is XXXX XXXX and I have had a kickoff account created without my knowledge. Whilst talking with my family about building my credit my daughter unknowingly signed me up for the kickoff credit builder. While checking my credit score I noticed 2 late payments reported to the credit bureau of {$2.00} each. My daughter told me she was just trying to help me with credit building, seen this service on social media but really didn't understand the process of this company. So now knowing I had this service opened in my name and late payments of {$2.00} bucks destroying my credit score I disputed this credit account with XXXX to no avail as I also explained this dilemma to kickoff rep via email and they stated nothing about me not actually creating the account but emphasized if I close the account it will go on my report as a negative credit card closure and destroy my credit even further so I had no choice but to download the app myself and start making payments of {$2.00} and {$5.00} dollars a month just so kickoff wouldn't report I closed my account. Ever since I found out about this account and unable to prove I did not open it in the first place I have paid every payment on time, every month for the past year. With that explained I beg for help for kickoff to please remove the 2 late payments that were missed when the account was initially opened. 2 payments of {$2.00} were missed but again I didn't know I had a kickoff Account. Lenders see these missed payments negatively. Please help me with this issue. Ty
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37128	Web
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " KIKOFF LENDING LLC, XXXX ". This charge may lead to a lawsuit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX https : //www.justice.govXXXX
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48823	Web	Servicemember
I have a Credit Monitoring account with XXXX. In XXXX XXXXXXXX timeframe... I rec 'd a notification of many inquiries/accounts being opened in my name ( with my social security number ) that I did NOT authorize. I immediately asked the credit monitoring service to assist by requesting them to have a freeze* put on my credit thru all 3 credit bureaus. I then opened an account with XXXX ( Federal Trade Commission ) regarding all the accounts opened as part of an obvious IDENTIFY THEFT. And then, followed all the recommendation by the FTC to send dispute letters to the creditors/lenders. I additionally contacted the fraudulent lenders by phone/email ... explaining my situation and asking for accounts to be closed. All that effort seemed to work except ONE ... KIKOFF LENDING. I have repeatedly ( XXXX XXXXXXXX ) tried to get KIKOFF LENDING to understand the Identify Theft... to no avail. I then created accounts with XXXX and XXXX ( not XXXX ... as I get a free XXXX credit report via my XXXX account... and it looks fine ). The XXXX and XXXX credit reports, however, show KIKOFF LENDING and a closed / UNPAID account. I, thus, filed disputes with XXXX and XXXX and the results of those disputes were unsatisfactory. They said... they verified- with XXXX - that the account was valid and belonged to me. IT DOES NOT belong to me and is not valid. Kikoff Lending , LLC - XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX - ( XXXX ) XXXX Again ... not my account... this is a result of FRAUD / ID THEFT
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	KS 662XX	Web
I recently applied for a car loan ( within the last month ) and my credit score came back lower than I anticipated. My wife did some research and indicated it was due to an outstanding balance of {$24.00} to a company called Kikoff. I have never heard of Kikoff or signed up for any services from this company. On Friday, XX/XX/XXXX I attempted to log in using all of my email addresses and discovered none of them were listed as valid. I then went through the forgot email flow and the email associated with my account is : XXXX This is not my email or anyone in my familys email. I believe this account has been fraudulently/maliciously opened on my behalf and that Kikoff has been incorrectly influencing my credit score. I contacted the company on XX/XX/XXXX and indicated : 1 ) I would like the issue resolved immediately 2 ) I would like the account closed 3 ) I would like the {$24.00} balance erased 4 ) I would like any adverse reports to any/all credit rating agencies related to this account and balanced reversed I provide my email and mobile number as contacts. I received a response email from an email address XXXX on XX/XX/26 indicating they were escalating to their internal fraud team for review. They asked that if I had completed an FTC report or filed a local police claim that I should attach it to the email for their review, thus my opening of a complaint with CFPB. I appreciate any assistance you can provide with this matter. Many thanks in advance- XXXX XXXX
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NY 10462	Web	Servicemember
It's rigged. I paid them enough for credit repair service. Had false debts removed even got a letter in the mail. Over time I realize they never had any options for dispute it takes for me to owe them XXXX $ for them to open up a dispute after charging multiple cards excessively ... Obviously I don't have it, why are you charging all my cards -_- then because you did not get the XXXX dollars you closed my account and BTW I don't owe them XXXX $ they never gave me money. The deal was pay XXXX $ to build credit .... They using false debts as ways to target my credit... Mind you my credit score was only going up XXXX to XXXX pts at a time -_- definitely violates fair credit reporting act. And they try to control the narrative because when they opened their dispute system is not like you can write what happened and their asking for personal documents you dont need to dispute a false report... I can just go to cfpb why would I send them my personal iD and I already know u trying to collect money? It's not like this business gave me anything... They gave me XXXX $ on the account which was for books ONLY and was paid off didn't even use the rest of the money... Then they ask me for XXXX $ for building credit ... Then they started getting greedy and taking avantage relying on the money. Then in return talking about they chaning atm fees like nah thats not the deal or what I signed off on. You can't do what u want without updating the contract and it's terms PERIOD.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77095	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX bank Account # : XXXX. In addition, I do not recall being late on my XXXX account all my payments were paid on time and never late. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 117XX	Web
This is the 3rd time that I am reaching out about having my identity stolen and this account is still on my report. I have want over that this isn't my account numerous times. Last year my wallet was stolen and it contained my email and password also my social security card, my phone number and my license. My banking and routing number was stolen as well. Then when this account pop up on my report I knew that somebody actually did use my identity to open the account. They probably thought they could transfer money out but I got it blocked. Now I have this negative report that is on my report that has to come off because it is ruining my life. This is not mine why would you guys continue to let it stay. According to the FCRA 605b once account is deemed fraudulent an account must be removed within 4 days of receipt. You can't validate something that I did not benefit from that's why this account has to be taken care of right away. This account is an error all the facts are out, somebody stole my wallet and try to take my identity. I just want justice, I just want peace. I don't want to continue to be stressed over an account that's not mine. Somebody thought they can ruin my life and they did. These scammers don't care but don't let there agenda put me and my family down. Please give me peace give me justice from these criminals my life depends on it. I have attached a affidavit, FTC report, proof of identity, XXXX bless you all.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 317XX	Web
I paid this account off and asked numerous of times for it to be closed its still showing on my credit profile Ive reached out to customer service plenty of times they advised me to pay the balance of {$20.00} which I did not make but paid it for it to be deleted as due to fraud its still showing on my credit Open Account XXXX XXXX XXXX This account may be hurting your score Account Details Status Open Date Opened XXXX Last Payment -- Balance {$20.00} Limit -- Date Closed -- Monthly Payment {$20.00} Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XX/XX/Date Reported XXXX Remarks -- Amount Past Due {$20.00} High Balance {$20.00} Terms -- Account Type Secured credit card Late Dates XXXX ( 30 ) Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- KIKOFF LEND - XXXX Worst Status Current Responsibility Individual Account Number XXXX Late Count -- 30 / 60 / 90 Days Late -- Date Reported XXXX Remarks Account paid from collateral Amount Past Due No Info High Balance {$120.00} Terms XXXX Account Type Secured loan XXXX - XXXX Status Closed Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks Closed Amount Past Due No Info High Balance
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web
This letter is being sent pursuant to the provisions of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all consumer information be accurate, complete, and verifiable. This Act also requires that all third-party credit reporting agencies ( CRAs ) investigate the accuracy of any information they receive from creditors, debt collectors, or other sources. As such, I am requesting that you investigate this information and remove it from my credit report if it can not be verified as accurate and/or complete. I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$570.00}. I am a victim of identity theft and I never opened this account. XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I am a victim of identity theft and I never opened this account. KIKOFF LENDING LLC Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$50.00}. I am a victim of identity theft and I never opened this account. Collection account from XXXX XXXX SERVICE with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX $ XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$770.00} I am a victim of identity theft and I never opened this account.
08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MA 017XX	Web	Servicemember
Company : Kikoff Lending LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Bottom Line Up Front : On XXXX XX/XX/2022, for the first time I learned that I line of credit had been opened in my name that I did not authorize on XXXX XX/XX/2022 with Kikoff Lending LLC. I need this account closed and the " delinquent '' account removed from my credit score as quickly as possible. My credit report showed as of XXXX XX/XX/2022 that I am delinquent in the amount of {$2.00} to this company as I have allegedly not paid {$2.00} payments in either XXXX or XX/XX/2022 and somehow have a balance of {$24.00} due. My credit score with XXXX has dropped XXXX points as a result of this " delinquent '' account that I did not authorize and had XXXX knowledge of until I noticed my dropped credit score. - On XXXX XXXX, I contacted Kikoff Lending via email ( the only way to contact them apparently ) and received the attached email. Reviewing almost identical summaries on the XXXX XXXX XXXX website of complaints against this company, I absolutely anticipate that I am a victim of fraud in this case. I have no username, password, or other information with which to evaluate my " account '' with this company. Again, I did not open any line of credit with this firm that allegedly builds/restores customer credit. - I plan to file a police report later today, XXXX XX/XX/2022. Any help that can provided is much appreciated regarding this issue.
11/21/2023	Yes	Prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	KS 66605	Web
I opened a kikoff credit account and had my student loan disbursement direct deposited to the account. I never received a physical card in the mail. On XX/XX/XXXX i believe, after a declined sale at XXXX 's, i called customer service to find out what was going on. I was informed in that phone call that on the XXXX of XXXX {$5200.00} of my money had been transferred too a prepaid card in my name. I was completely shocked by this information and after explaining I had not authorized any such transfer asked the rep too dispute all of the charges made up to that day, as i never had received a card. I also asked too what entity the other prepaid card belonged too so I could attempt too track down my money. I was on the phone for a good 50 minutes at this point, and suddenly after asking, the line disconnected. Rather frustrated I waited a few days too see what if anything happened. Nothing. I did receive finally a physical card in the mail, and still was not getting any notices or updates. I then reached out too XXXX XXXX XXXX. And gave them all the information I had managed too gather and explained that there was something of a language barrier and hoped that maybe they could get the process moving. It is now, Mid XXXX and the only answer I have gotten is that my disputes since there were so many. We're filed in batches and I would be seeing the funds returning at all different times. That is not the case at all.
07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	AZ 85209	Web
Kickoff Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. My payments wont go thru because theres no bank account option for payment even though my account is connected and you dont take my card. I stated before that I need the missed payment off my credit report and I'm going to pay the balance off in full but no help. The missed payment was due to their companies lack of infrastructure for payments. My payments are still missed to this day because they won't accept my bank account or debit card. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I uploaded images showing that I am unable to pay with my bank account which is the only method they accept from me since when I try my debit card they say it's not accepted, I should not be held liable when customer service hasn't even responded to my email which is also attached because I was out of the country for over 2 months with barley any service and they would refuse to help me, what kind of credit building company doesn't help their customers when they need it the most and then they are negatively affecting my credit.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 302XX	Web
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : KIKOFF LENDING LLC balance {$32.00} 150 days late Thank you, XXXX XXXX
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 302XX	Web
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within XXXX of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : XXXX XXXX XXXX balance {$32.00} 150 days late Thank you, XXXX XXXX
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80602	Web
I noticed, ( while on XXXX XXXX ) a new account opened on my credit report through XXXX XXXX XXXX. It had an incorrect place of employment and I never opened an account with them. I contacted XXXX and submitted a complaint. They responded a couple of days later that the company said the account was mine. So I called them and they wouldn't answer their phones. So I emailed them. They responded telling me they don't recognize my email and asked me for all my personal information. I didn't want to do that at first but I finally agreed to give them my last XXXX digits of my SSN. After that, they said they found the account and froze the account. But they said I am still responsible for paying it. ( I didn't open the account, I don't receive bills, and I don't have account information or passwords to pay the money I didn't even receive. ) So, because it is not being paid, they keep reporting me to XXXX and my credit score is going down. It's only {$25.00}. But it is destroying my good credit and I have no way to stop it. And they refuse to take responsibility for fraudulently opening and account without verifying the information! I don't know who has my SSN out there but I put out a fraud alert through XXXX. No reputable company would think that you should be liable after you show them proof that you did not open the account.
06/21/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	VA 201XX	Web
On XX/XX/XXXX I contacted Kikoffs customer service department to let them know I had unauthorized charges on my checking account, in the amount of {$490.00}. At that time I asked if they offered a 10 day provisional credit if a decision or not to be made by then. The representative had told me yes. Two weeks went by and I still have not received a decision nor my credit. On XX/XX/XXXX I called customer service back and asked about my credit, and they proceeded to say they do not offer credits and since they are not the correct department, they could not help me. On XXXX I received a response by email from the support department and they said that it was still being investigated to give to them 60 days and to call the number on the back of my card if I had any other questions. I tried calling a couple more times, to see about getting a credit and each time I was told no. They said they do not fall under regulation E policies, therefore no provisional credit. If you look at my bank statement, their policy states if we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you were home for use of the money during the time it takes us to complete the investigation. So per kikoffs policy I was supposed to receive a provisional credit in the amount of {$490.00}.
08/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 95928	Web	Servicemember
On XXXX XXXX XXXX XXXX I was billed the amount of {$310.00} by XXXX. I have spent several weeks communicating with XXXX to resolve this matter. During the course of this communications I was informed by XXXX directly that the fastest way to effective resolution to this matter of the billing error was to contact the financial institution and to dispute the charge with them directly. However after multiple attempts to speak with kickoff LLC customer service day to dispute this charge as directed by the merchant to do so their customer service agents are unable to see this charge and stating " unfortunately if I can't see the charge then I can not start a dispute '' of which I said if you can't tell me what happened to the {$310.00} in my account last XXXX XXXX XXXX XXXX then I need that money back in my account now. Their customer service staff says I understand what you're saying and that you are right but unfortunately there's nothing that I can do in my hands are tied. Kickoff LLC is a secured credit card prepaid credit builder program loan thing and their transactions are oversaw by XXXX XXXX XXXX If their customer service department is unable to maintain records related to my direct deposit account as required by federal regulations then they are not responsible not to be running that organization
06/08/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OR 97223	Web	Older American
Attached, please find a notarized Power of Attorney authorizing me to act on the behalf of XXXX XXXX. This individual is an unfortunate victim of identity theft and has enlisted the help of our firm, XXXX, to aid in his recovery process. Enclosed is also an ID Theft Affidavit with his police report information, identification, and proof of residence. When attempting to reach Kikoff, I became aware that they do not have a working phone number despite being an entity that reports to the credit bureaus. The phone number that they have left on XXXX 's credit reports leads to a message that says to contact Kikoff online. It does not allow you to leave a voicemail. When contacting Kikoff online, their support Agent confirmed they do not have phone support but also that they can not accept documents by US Postal mail either. ( Please see attached documents ) This is unacceptable since they are an entity that reports to the credit bureaus. There are many people who are elderly and unable to contact companies online. It is also a security risk to send PII over email. Their XXXX XXXX XXXX shows a pattern of complaints with no responses. It shows XXXX response in XXXX of XXXX XXXX the first complaint against Kikoff ) and then zero responses to roughly fifty newer complaints. Please see attached documents.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60148	Web
To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by XXXX XXXX XXXX. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. It is important to note that there are no prior missed payments on the account. However, the account is reported as 90 days late for XX/XX/2021. I believe this to be a violation of the XXXX XXXX Reporting Standards, as the account should not be reported as charged-off if there are no prior missed payments. I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information. Should the investigation reveal inaccuracies in the reporting of the charged-off account, I expect you to promptly remove the 90-day late payment. I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. I await your prompt attention to this matter. Sincerely,
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 104XX	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with KIKOFF LENDING LLC for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85053	Web
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 296XX	Web
Kikoffis reporting late payments on account that I should not have. XX/XX/2021 Open the {$500.00} installment loan with Kikoff. To which I paid all my payments on time for the next two years. Unbeknownst to me, Kikoff switched my account from a {$500.00} loan to a {$750.00} loan without my consent. Kikoff never provided me with any option to opt in or out, but instead forced me into the new contract terms. See the attached screenshot of my account and look how the amounts changed from {$500.00} to {$750.00}. Kikoff will not be able to show my consent. As a result, I eventually received the bogus late payments without the required 21 day notice being mailed to me. Kikoff has been evasive in addressing the change of the {$500.00} to {$750.00} loan and the fact they didnt have my consent for the change. Its important to know that the change ultimately caused the late payments. Which should have never been made because I had completed the terms of my ORIGINAL CONTRACT! Due to the inaccurate late payments reporting on my credit report, my XXXX score dropped XXXX points in one month. Thus destroying my credit worthiness! Kikoff is a terrible company that prays on people trying to get their credit in good standing while using it to profit off the poor credit score people.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO XXXXX	Web
Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called the companies to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. The accounts do not belong to me and I never opened or applied for credit with these companies. Was it done in-store or online? Is there a photo id or signature verification? What City and Stated did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop or order from these companies. The companies falsely reporting against me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kikoff Lending LLC
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63119	Web	Servicemember
THIS COMPANY IS NOT A DUPLICATE. At this point KICKOFF you have dug yourself into a deep hole. I've given you opportunity after opportunity to simply resolve the issue of unwilling participation in your services. This will be the final complaint personally filed myself. I've outlined consumer laws that you're in violation of and you willfully disregard me. Throughout the duration of this back and forth i've suffered accumulative damages that you're responsible for. XXXX XXXX XXXX NOTE, if KICKOFF can't furnish all details requested. YOU are also going to be held accountable for willful negligent behavior with the violation of consumer law. There for you will also participate in the financial legal obligations of damage compensation. I've filled complaint siting law violations and you also ignored my request for detailed information by stating all is confirmed. If this complaint closes with this negative late payment account still being allowed on my consumer report. Please make sure your attorneys are made aware of every complaint filed up to this point. YOU ARE REQUIRED BY LAW YOU PROVIDE ORIGINAL CONTRACT FURNISHING ALL ACCURATE DETAILS OF DATE TIME AND LOCATION. YOU ARE TO SEND THIS INFORMATION TO THE CFPB FOR PROPER DOCUMENTATION.
05/13/2023	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	VA 22204	Web
I have an account with Kickoff bank which I realized is a BIG mistake. First, on XX/XX/XXXX, I realized that someone made 5 unauthorized charges on my account. It is very hard to find a number to call, they do not advertise a number. I finally got a number and got through to a woman with very broken English named XXXX who refused to help. I repeatedly asked for a supervisor and XXXX said numerous times that we dont have any supervisors. That is the most UNPROFESSIONAL AND UPSETTING RESPONSE BECAUSE MY CARD WAS STOLEN. The charges are as follows : XXXX XXXX : {$1.00} XXXX XXXX XXXX XXXX XXXX : {$19.00} XXXX XXXX ( 2nd charge ) {$19.00} XXXX XXXX : {$10.00} As Im typing this, someone continues to try and use my card. What is upsetting is XXXX refusal to help. Someone is trying to drain my account and I got ABSOLUTELY NO HELP FROM XXXX, nor would she allow someone else to help me. I want my funds back and I want this done IMMEDIATELY. I do not appreciate speaking to someone who barely speaks English and yet refuses to help me. My card number must have been stolen and she refused ANY HELP. Any further damage to my account is because of XXXX. She should be fired. You should have help for your consumers that are seeing fraudulent charges.
06/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	TX XXXXX	Web
Someone using my name and identity ( but using a XXXX, FL, address, a place I have never lived ) opened an account with Kikoff Lending LLC with a charge of only {$24.00} on XXXX XX/XX/XXXX. There are unconfirmed reports from other consumers that this company has been known to open accounts in one 's name arbitrarily. On a credit report run on XXXX XX/XX/XXXX, I was called " seriously delinquent '' by this firm. I am reported as past due by only {$6.00} as of XX/XX/XXXX. I never have dealt with this firm in the past, nor have I ever been delinquent on a payment. Attempts to phone the company lead only to a voice mail telling the consumer to email all questions to a dubious email along with SSN, etc. I have no intention of sharing private information with this company as they have decimated my XXXX to the point that I can't even get a small, short-term loan with my bank. I have reported this to XXXX and they have opened a fraud complaint and are seeking to resolve this. I have not sought legal recourse, but am comtemplating a criminal law suit against this firm. At the very least, they should be put out of business and the principals in the firm prosecuted to the fullest extent of the law for this felonious act.
04/30/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AL 35806	Web
I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite several attempts to have this late payment removed, it still remains on my credit report. As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home. I want to point out that I canceled my services with your company before any further damage could be done to my credit score, and I have made several attempts to have the late payment removed from my credit report directly with your company. However, my requests have gone unanswered and the late payment remains on my credit report. I would appreciate your immediate attention to this matter and request that the late payment be removed from my credit report as soon as possible. I am eager to move forward with my plans to purchase a home and rebuild my credit
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	DC 200XX	Web
I forwarded a previous email to KikOff Support Team regarding the breach in my account & I've heard nothing from KikOff. Any & all recent activity that has transpired on my KikOff Account for this month ( XX/XX/XXXX ), IS NOT ME! I'm requesting to be contacted by KikOff 's SuperVisor or someone of authority who can resolve this breach of my account & put my line of credit that I was eligible for back to the way it was .... UNTOUCHED. My XXXX XXXX XXXX checking account was hacked last week. The thief pushed through fake ACH checks through my checking account on XX/XX/XXXX & XX/XX/XXXX using my Kikoff account after hacking it. They linked the account & stole a total of {$7000.00}. I had to place a freeze on all 3 of my Credit Reports with the 3 Credit Bureaus, change my passwords to my XXXX email & other accounts. In addition to contacting Social Security & providing them with the new checking account number & routing number that XXXX gave me. This is a total nightmare & it's more insult to injury for KikOff to not even attempt to contact me to try to resolve this situation. I can't login to my KikOff account because of the damage the hacker has done by changing my login information.
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11762	Web	Servicemember
I submitted a dispute to XXXX concerning the inaccurate credit limit for my XXXX account with Kikoff Lending. XXXX sent me a copy of the results of my dispute. The credit report sent to me, showed that the wrong credit limit was being reported by Kikoff Lending, or XXXX themselves. I emailed Kikoff Lending several times now with no response. Kikoff Lending has no phone number to call, so I sent Kikoff Lending, and XXXX the documentation proving that my credit limit was raised on XX/XX/. I called XXXX, and the agent said that Kikoff Lending submitted a report in response to my dispute, and that Kikoff Lending says that they are reporting the credit limit as accurate, which is untrue. I will be submitting documentation to you proving that the dispute to XXXX yielded inaccurate information. If you look at the " Historical Account Information '' from the report from XXXX, in the second box down for XX/XX/ entry it shows the correct amount, and then XXXX changed it back to the old credit limit. No other credit bureau is reporting inaccurate this credit limit wrong, just XXXX, who has a history of providing false information verbally and submitting false credit report information.
06/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TX 78260	Web	Servicemember
date XX/XX/2021 I was the victim of identity theft. Someone opened up a credit account at Kickoff lending llc in my name. The reason Kikoff lending llc should be punished and looked at is due to the fact that I have and have had for some time a fraud alert on my credit report with all 3 credit bureaus currently. I also have a security freeze on all 3 credit reports at XXXX, XXXX and XXXX XXXX. Kikoff lending llc NEVER attempted to verify my identity before they let someone open an account in my name. My fraud alert clearly states that a lender must verify my identity at the phone number listed before any accounts can be opened. Also, if you look on their website at Kikoff.com under support center then credit score then article on does a security freeze affect Kikoffs ability to report payments or open new accounts? No, a security freeze does not impact our ability to report payments or open new accounts. If a customer has a security freeze on their credit, we will still report their kikoff payments. this is inuriating that they let someone open up an account in my name without verifying my identity even with a fraud alert and security freeze on all 3 of my credit reports.
07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78752	Web
A line of credit was fraudulently opened in my name under the account title Kickoff Lending LLC in XXXX of XXXX. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that Kickoff Lending LLC apparently verified the account according to XXXX. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the Kickoff Lending. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX. XXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30294	Web
XXXX XXXX XXXX {$5.00} XX/XX/2023 KICKOFF LENDING LLC {$64.00} XX/XX/2023 XXXXXXXX XXXX {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 751XX	Web
XXXX Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These account have late payments that I would like to be replaced with ok. The accounts are as follows XXXX XXXX- XXXX Has late payments attached to a now charge account. Charge accounts should not have any late payments due to the acccount is already late by default. XXXX XXXX XXXX & XXXX This account is not suppose to be reporting each and every month and the account is late by default. Kickoff LendingXXXX XXXX This account is a charge off and charge accounts are late by default so there should not be my late payments attached to it. It is also inaccurately reporting from XXXX XXXX XX/XX/2023 it goes from XXXX late to XXXX. I am sure that isn't accurate at all Please update and report pays as agrees. I
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92057	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no Complaint De... consumerfinance.gov In \| 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70094	Web
KIKOFF LLC company is reporting inaccurate information on credit report that was not authorized and by law the transaction is due to be reversed to paid as agreed. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34471	Web
Kickoff, This is in response to this claim : XXXX This is a new claim with new and updated information. Please see attached - my written complaint - my drivers license - my social security card - my proof of address - my credit report showing XXXX, XXXX, and XXXX I had an installment loan with KickOff - you advertise it shows on a customers XXXX + XXXX credit reports- mine does not. XXXX only shows on my XXXX credit report It is not showing on my XXXX credit report. In this complaint - XXXX - you thought it was because of a fraud alert - that has been removed as the attached credit report shows. Now, there is no fraud alert on my XXXX credit report- and I expect your Kickoff tradeline to put put on immediately- as I paid for. Also to note - the credit report did NOT have a security freeze for the duration of the installment loan - as you can see I have received other tradelines showing during this time- so there is NO REASON Kickoff wouldnt show - if you guys accurately reported. Please have this handled as soon as possible - as you are affecting my ability to obtain credit.
10/17/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 95928	Web	Servicemember
On an initial complaint filed with the cfpb against kikoff for a billing error that occurred XX/XX/23 where the customer service agent could not find the charge to dispute it. Kikoff responded by having a senior account specialist contact me to process the dispute on XXXX and I was told that this could take up to 60 days. On XX/XX/23 I called to follow up with the dispute and see what was taken so long, only to be informed that the dispute handled by the senior account specialist on XX/XX/23 was NEVER even processed and that the dispute would need to be re submitted. It has now been XXXX days since I began disputing a transaction from XX/XX/23 for the amount of {$310.00} from XXXX XXXX XXXX themselves admitted to the gross miss calculation and billing error and advised me to file a dispute saying that this would be the fastest way to have my money returned to me. Now XXXX months later, 3 senior staff members from kikoff, 2 complaints with the CFPB and this dispute hasn't even been initiated by kikoff yet. What do I have to do for kickoff to comply with FCRA a FDCPA regulations?
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web
KICKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX, Nv XXXX ( XXXX ) XXXX I recently received a copy of my credit report, and i noticed some late payments posted on my credit report : KICKOFF LENDING LLC XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordancee with the written instructions of the consumer to whom it relates. I have not gave anyone written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.
06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33404	Web
thank you for taking a few minutes out of your busy day to read this letter. I have enjoyed my relationship with KIKOFF LENDING LLC for some time and look forward to continuing my relationship with you. request your cooperation in removing my credit report to remove a late payment reported in XX/XX/2022 after reviewing my records, I realized I had missed the payment deadline. However, I can explain, i was going through financial hardship and couldnt afford to pay it but I take full responsibility for the mistake and have ensured it won't happen again by setting up autopay. I am applying for a mortgage, and a late payment on my credit report is hurting my chances of pproval. If you could find it in your heart to make this one-time adjustment, I believe I'll have setter luck getting approved, and I would be highly grateful for your kindness. have learned from my past mistakes and will ensure that I do not repeat them in the future. Thank you for your time and consideration of this urgent matter. If you need to reach me, my contact details are as follows.
12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35126	Web	Older American
Kickoff Lending reported to XXXX that I was 60 days late on my payments. this is not the true, I was never late on my payments. I was always on time. I paid the loan off a very long time ago. There was a saving account that I took out but I tried to cancelled it two months later, I sent them e-mails and messages for over 2 months and no one answered me back. I told them I wanted to cancel the saving account but I never was able to get anyone to response back to me for over two months, I had to finally send them a letter asking them to please close the saving account. They put it in the credit bureau that I was 60 days late but if they had answered my e-mails and messages they would have known I ask to close the account but they never responded to any e-mails or messages. They told XXXX I was late on the saving account but I ask to close the account but they never responded back to me until I sent the letter, They said they would change it with XXXX but they never did. I want them to correct their mistake.
11/16/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MD 21208	Web
This is my second complaint because Kikoff dont have a way for me to contact them so I can verify my information so I can get my money back at least. Before I was trying to keep an account with them but all I literally want is my money back that they owe me which is {$220.00}. They have my email and phone number. There was a point when I did get one reply from a email about 3 months ago when I first started having problems but having gotten a reply since. I definitely feel like I should be compensated for having to wait so long to get my money back and Ive been trying everything possible to try and reach them. I feel like theres no effort on there end to get me my money back. Kikoff Im still reallly upset on how yall handled things and this really show yall dont care about people at all. I have been through some tough times where I really needed my money back and there was nothing I could do about it. Just please contact me and compensate me for not getting my money back in time.
04/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60613	Web
XX/XX/XXXX, a line of credit of {$500.00} through a credit builder company, to establish a line a credit. The objective is to make monthly payments, and at the end of the year -- company releases funds, as paid satisfactory. This account however, was opened in error -- I can not confirm which email, or checking account they have linked. Furthermore, no funds have been pulled, ie : XXXX XXXX. In addition I have been calling the company twice a month, to reach a voicemail, that does not have customer service, and states : that it does not accept any voicemails. Final attempts to reach the company with zero results, until today when I saw my credit reports for XXXX of XXXX -- it indicates the opening, ( error ) and two late payments for XXXX and XXXX of XXXX. Upon further investigation and updates to their website- for communication, I managed to find an email ; a complaint was sent out today, to request the closure of the account -- and to remove the errors in its entirety.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	GA 30909	Web
On XX/XX/XXXX, I attempted to transfer money from my checking account to my Kikoff and noticed that I was logged out. I attempted to login but received an error code that the service connection could not be established. I went to the Kikoff website online to try to log in that way and an error code appeared instead. I have contacted the companies customer service for their card services numerous times and was told that they were escalating a ticket. I have asked for manager after manager to try and get this issue resolved because they do not have a telephone number for their credit repair services you have to rely on an email and the app. I have sent numerous email and received some replys advising me that someone was working on it and they would update me soon. It has been XXXX days since I have been unable to log into the app of a company that has ALL of my personal information. This is a very uncomfortable situation to be in especially when you cant do anything about it.
02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 618XX	Web
UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with KICKOFF LENDING LLC that is reporting four late payments in month XX/XX/2022 through XX/XX/2022. I am requesting these four late payments be changed to fix because the reporting of these late payments are not supposed to appear on a consumers report. According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681 s-2. This is unlawful and my four late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30088	Web
RE : UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with KICKOFF LENDING LLC that is reporting two late payments in ; XX/XX/2021 and XX/XX/2021. I am requesting these two late payments be changed to XXXX because the reporting of these late payments are not supposed to appear on a consumers report. According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681s-2. This is unlawful and my two late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NH 03079	Web
I have disputed this twice now and have gotten the same result and the company is kickoff i dont even know or should say didnt know what the company even was until I XXXX it. First off I never signed up or purchased anything from this site and the things they did purchase arent even anything I would buy in a million years nor would I take the time out of my extremely busy life to send disputes twice. Its a pain and the date they are saying I apparently purchased this was XX/XX/XXXX and I never did. The same thing happened with my account at XXXX someone purchased items under my account and had auto shipping to them but that was cancelled I caught them before it landed anywhere else. I would like this taken off my credit report the last thing in need is another negative against my credit report considering Ive already got enough debt and my auto loan on my report and Im not going to take responsibility for someone elses scandalous selfish behavior.
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 437XX	Web
I am filing a complaint with XXXX and Kickoff Lending LLC. I sent my first verify dispute letter on XXXX XXXX, 2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to Kickoff Lending XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
11/25/2023	Yes	Credit card Store credit card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	AZ 850XX	Web
This company misleads consumers. They don't disclose what the actual terms are until AFTER they obtain your confidential details, including social security, open a profile by default that I can't delete. They only allow you to close a subscription account but are retianing my confidential data. I would never have provided them my confidential information had they disclosed to me that they were strictly a department store credit card and there were subscription fees. Again, they disclose this card is NOT a line of credit AFTER retaining my confidential details. They claim to offer other benefits to improve credit scores, such as opening a savings account. And finally, after studying the reviews on the XXXX XXXX XXXX, it's apparent that there are many fake XXXX star reviews. Please note, that the XXXX star reviews are from consumers that have been scammed by this company and provide specific recurring reasons. Company Name : Kikoff Website : XXXX
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 94107	Web
In the notification to my recent credit report there is false reporting of repossession the tI have XXXX knowledge of. I've. This is a challenge for me to understand and in my failed countless attempts have not once received any accommodations to my disability and XXXX effort to help thoroughly explain the matter to me in which I am able to see exactly it is that I have done wrong. I'm concerned as to the bigger adversity that I am facing and that is the fact the reporting is costing my attempts to receiving housing. I've now in the past XXXX years have already been struggling as a victim to identity theft, breaches and so much more that this is truly making it difficult for me to give any more efforts towards my goals in receiving housing when this is the accepted false reporting that I know for fact is impossible and fraudulent. What are the necessary steps in order to remedy the situation and how might I be able to be of support?
05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11413	Web
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.
05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NC 27407	Web
The word " '' company '' / " the company '' '' refers to : kikoff.com ) The company is either committing fraud or an employee at the company or someone who hacked into their system has added an email and address ( XXXX / XXXX XXXX XXXX, XXXX, NC, XXXX ) to my credit report. I tried disputing before and they said I couldn't remove the information only the company could. After the last complaint I placed with XXXX they responded with " the company fixed the problem, etc '' which they did not. The information is still on my credit report and only the company apparently can remove/chamge this information according to XXXX. I filed a complaint about this before and they just gave me a " run around answer '' about how the company 's internal fraud group would look into it and respond to me, which they never did. And this was years ago and the fake email and address ( XXXX / XXXX XXXX XXXX, XXXX, NC, XXXX ) are still on my XXXX credit report.
12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 151XX	Web
I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity. According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	ME 040XX	Web
I previuosly requested a late payment be removed from my credit report that occurred during covid. On XXXX XXXX, I received an email from XXXX XXXX who did not identify herself in the email and stated that they were not removing the late payment. After receiving the email, I checked my credit report and notice 2 accounts with KIK OFF lending. I found that both accounts reported late payments in XXXX and XXXXXXXX XXXX XXXX. This is where I get confused because I don't recall having two different accounts with KIK OFF. My main complaint here is the second account that is opened and the two late payments that occurred during Covid 19 which is a natural disaster and late payments from my understanding were not to be reported during this time. I am requesting that KIK OFF lending provide proof of late payments and ownership of both accounts. These two late payments have been damaging to my credit and character as a consumer.
09/29/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 28212	Web
I purchased an item from XXXX XXXX at the end of XX/XX/2023. Around the same time I had several fraud charges on my account. The valid charge for XXXX XXXX was accidently included in the dispute when I reached out to my customer service for my card. XXXX contacted me and advised if I could cancel the dispute they would go ahead and send my order as it was ready to be shipped. I canceled the entire dispute and received a letter from the card company stating that my dispute was canceled and that I would not receive any money back for the items disputed. I forwarded that email to XXXX. XXXX is being told by the card company that the dispute is still open and under investigation, but when I call they tell me that it's closed. Due to this XXXX has both my order and my money. I have called XXXX TWELVE TIMES and emailed a supervisor around six times, Im getting the runaround. The dispute was filed in XXXX, it is now XXXX.
01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33073	Web	Servicemember
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX ) What is your authorization of law for your collection of information? XXXX ) What is your authorization of law for your collection of this alleged debt? XXXX ) Please evidence your authorization to do business or operate in the state of Florida. XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 134XX	Web
There is an account from a creditor named kickoff being negatively reported, not only do I have no knowledge of this account but it's being reported twice as different accounts. This account seems to have never been used, the balance says {$24.00} I have tried to contact them via the phone # listed on my credit report but the phone # is disconnected and it says on the website they don't accept calls.The website says to fill out a ticket if there is a problem, however I would need an account # to which isn't available anyware. I looked into this creditor and it seems to be some kind of credit repair company where you pay a small amount of money for them to report positively on your credit report. So I never opened this account and there is no way to contact them and yet it is negatively being reported twice one as a closed account & one as a collection account and it says the balance owed is {$24.00}.
11/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TN 380XX	Web
Ever since sometime during the last week of XXXX I have been trying to contact Kikoff to discuss my XXXX due dates of the XXXX and XXXX and why I could not make a payment or add a new method of payment and all I have received are excuses and " we will email instructions on how to do this '' when I have explained to them at least 30 times the website and app is not allowing to do this and there is nothing I can do about it. I have even offered to give them my info but they said they do not take personal information over the phone. I have also asked them I know at least 10 times if I could mail my payment. The only response is we will email you instructions on how to make a payment or add a new payment method. Now my account is a month overdue and I am sure they are not gon na have a single problem reporting me to the credit bureaus even though I have tried everything within my power to pay on time.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	MA 010XX	Web
So this is kickoff, it advertises that you can get a line of credit and everytime you use that credit or use their debit service they will report that you have made a payment. Now with this credit it's in store credit which is never stated until after you have made an account. Now the is inaccessible most of the time and it only offers additional services that you have to pay for. It's not a real line of credit which is what was advertised. The other part is that I paid the first {$5.00} needed to start plus an additional {$5.00} for the following month. When I looked at my credit utilization it was at 7 % despite me never actually using any of their credit and paying in advance. When I connected them asking I got a very generic message that didn't answer my question as to why my credit was utilized and about the marketing issue. My credit has also gone down since I signed up with this service.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	KY 40515	Web
I utilized Kikoff.com because they advertised they could improve credit by making small {$1.00} ( virtual currency ) payments that are paid automatically. They reported payments late to my credit report therefore damaging it. They claim auto was never set up. WHICH IS A LIE!!!! I reached out to them on XX/XX/XXXX asking them to correct the matter. They have refused. Their marketing and way of operating is quite confusing and misleading and their website is glitchy and not user friendly. The payments are supposed to be made automatically. This service is just another example of a predatory lender designed to prey upon the subprime market. They will not own up to their website possibly having issues that caused this unfortunate situation Im astonished and just wonder we keep letting companies like these harm us! I remained consistent and I was ignored eventually. What an insult!!!!!
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11550	Web
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- KIKOFF LENDING LLC ACCOUNT # - XXXX Balance- {$16.00} Balance updatedXXXX XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. Status updated-XXXX XXXX Past due amount- {$12.00} Highest balance- XXXX XXXX Monthly payment -- Last payment date-XXXX XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone numberXXXX XXXX XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60426	Web
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	NY 125XX	Web
Support will NOT help me, I have no access to acct XX/XX/XXXX was the start of the credit building account. Have made automatic payments ever since opening account and all of a sudden now I can not access the account. I contacted " support '' and after a few emails, I was told that since my information didn't match, XXXX XXXX could not help me. Mind you, on the website, it says that Kikoff support would be happy to help. I changed my email address and was pretty sure that I contacted Kikoff to get that changed and even if I had not changed it yet, the response I got from XXXX XXXX as " support '' is a joke, she does not want to help me and is now ignoring my emails. The money that I have in the account is not much, but since it is my money, I would like to be able to access my XXXX account. Complained to XXXX also. Date of experience : XX/XX/XXXX XXXX
02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NM 87106	Web	Servicemember
to whom it may concern, i dont even remember signing up with kickoff now i have a late balance but im reading what kickoff is about and i seem interested now on maybe i shoud keep this app it states that kickoff actually helps to buid your credit score and that actually get to barrow money it says that i have a 500.00 credit available but i never recieved any type of card also it wants me to put my card information for auto pay i havent even got to do anything i did contact kickoff a couple of days ago and all they told me was that they will get back to me is kickoff even real app now im starting to think i think i contacted them on XX/XX/2022 thank you i need someone to help me to understand more i guess and to send me a credit card and i can actually get on the ball and fix my overdue balance and put auto pay on thank you for your time and help ....
12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MI 49015	Web
I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. these fraudulent accounts are kikoff lending open sky first premiere moneylion Possible finance XXXX XXXX ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. of course I will be filing seperate complaints about each of these companies shortly..
06/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 117XX	Web
This investigation is not right it has to violate some type of law. They have disregarded a police report that was sent out to them. They are not following human law. They are completely not caring or giving any insight into how it is even possible for this account to be on my report. This account is not right. I HAVE DISPUTED THIS ACCOUNT MORE THEN THREE TIMES WITH A POLICE REPORT THEY TOLD ME THAT THE ACCOUNT WOULD BE REMOVED BUT THEY NEVER EVER REMOVED IT. Its been more then to long for a fraudulent account to be on my report. If I dispute account as fraud it should be removed then a reinvestigation should take place. This is totally wrong why are y'all doing this to a loyal client it is FRAUD it is FRAUD it is FRAUD. I have attached a police report for the 4th Time this is not my account. Proof of my id & police report attached.
06/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CO 80910	Web
I reached out to the Kikoff support team on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/XXXX XXXX and XX/XX/2023 and XX/XX/2023. On each attempt I received an automated response advising I would get a response back in 3 to 5 business days but there responses are usually very delayed. I ask for a resolution regarding not receiving the {$200.00} bonus. I have met all of the requirements to receive the funds but still havent gotten them. response as to why they have not processed the {$200.00} bonus that was offered. Kikoff support confirmed in all the emails that I have met the requirements and the bonus will be processed in 1-2 business days but this never happened. They have stated that I would be credited {$200.00} since XX/XX/2023. On the most recent email they advised again it would be 1-2 business days but still nothing.
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30083	Web
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
08/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	LA 70058	Web
KIKOFF whom which is a credit building online resource that help consumers BUILD credit has violated my rights of shared personal information to the major credit reporting agencies, this company has reported a late payment in which deteriorated my credit score by over XXXX points. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please remove this tradeline from occurring on my consumer report ( XXXX ) as I have not received proper correspondence.
07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35205	Web
Kikoff continues to harass me and fraudulently report a {$12.00} loan I never applied for. I am again telling them to stop reporting this loan to my credit report. MY FATHER opened this account without my knowledge. He had access to my phone and previous email addresses. He has opened a few other accounts in my name and these companies had no problem investigating the matter and stopped reporting. Kikoff is completely ignoring the police report that was filed verifying this crime against me but for some reason, Kikoff insists on harassing me by reporting this erroneous information. PLEASE review the police report, call the police department for verification and go after XXXX XXXX for your {$12.00}! Delete this account now or I'll have to file a complaint with the XXXX and XXXX Attorney General.
12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30269	Web
A company named Kickoff has a mission to boost credit. However, they began reporting negatively on my credit reports after canceling my membership with them. This problem started in XX/XX/2023 ; I soon discovered they have no live representatives and can only be contacted through email. After weeks, Kickoff finally emailed me and declared that my account had been closed with no late or balance. However, it continued to report late payments into XXXX. I have contacted XXXX and XXXX, and they have not resolved this problem. This continuous incorrect reporting adversely affects my credit as it is the only late payment ever. Please help me fix this quickly, as Kickoff has wasted months. Listed below is their contact information. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX
01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23601	Web
There was an collection account report to my Consumer Report on XX/XX/2018 by University XXXX in XXXX XXXX XXXX XXXX, GA XXXX. I never been to this XXXX and contacted them asking them to remove this from my Credit Report and they refuse to. My Constitutional Consumer Rights have been broken for under 15 US 1681 b ( 2 ) it clearly states the following : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give XXXX XXXX or anyone there the approval or consent to report anything on my behalf on my Consumer Report. This is a Violation of Rights and no matter what they their policies state it does not supersede Law.
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 206XX	Web	Servicemember
I am writing concerning inaccurate negative reporting on my XXXX credit report for a credit builder account I had with Kickoff Lending LLC. This account is reflecting that my account was 90 days late as of XX/XX/XXXX for a balance of {$12.00}. In XX/XX/XXXX, I opened a credit builder account with Kickoff. As of today, XX/XX/XXXX, this account is negatively affecting my credit for a balance that I do not owe. My original credit limit with Kickoff was {$12.00} when I opened my credit builder account in XX/XX/XXXX. I never used this credit limit to make purchases with Kickoff, or any other institution. I do not owe a balance to Kickoff that I never used. I have attempted to dispute this account with Kickoff Lending LLC and XXXX and have reached no resolution with either company.
10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	PA 19149	Web
Some opened up an acount with this " kikoff '' company in my name ive called XXXX and XXXX and they said that i contact kikoff so i did ... they would not cancel my account instead sent me a 4-page .PDF for me to fill out my entire life story ( information/identity ) Their services seems to be they give a {$750.00} line of credit to purchase their XXXX once that is done they charge ( thankfully no purchased anything in my name ) however after emailing them and explained i did not authorize this to close the account Because its showing up on my XXXX XXXX ( and not giving them my info ) im getting texts from different numbers saying " stop '' .. '' remove my number '' and " ha ha ha ha XXXX XXXX '' something needs to be done this account is ruining my credit... please help
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 395XX	Web
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 These companies listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX account showing opened XX/XX/XXXX This account shows closed however this account does not belong to me. Kikoff Lending LLC showing opened XX/XX/ ( Account # : XXXX ) with late payments. I have never been affiliated with this business.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33319	Web
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX Kikoff Lending LLC # XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FU RNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING. I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING. I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.
03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27587	Web
I received a letter from Kikoff Lending stating that my account would be closed due to missed payment and reported delinquent. However, upon the agreement terms with the company, it states that if the account is closed and has funds built up in its wallet, the company would use the funds in the wallet to cover the unpaid amount. My account had the funds in the wallet to cover the unpaid amount. I reached out to Kikoff support via email on XX/XX/22 to request additional information and they responded stating that no account was located and there was no balance due. I received an alert from XXXX today that Kikoff Lending reported my account as " closed, paid. delinquent. '' This company has violated its OWN agreement terms as well as the FCRA reporting guidelines.
10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34471	Web
Kickoff Lending XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Installment account needs to show up on my XXXX report as well Kickoff Lending XXXX, I am asking for you to investigate and add my installment loan that shows on my XXXX credit report to also show on my XXXX credit report as your site says it will. You clearly state XXXX XXXX XXXX XXXX optional add-on ) reports to XXXX and XXXX. We require 1 successful payment before reporting. The purpose of this installment account with you, that I paid on time, in full, was to increase my credit profile and score for XXXX and XXXX it shows on XXXX it needs to show on XXXX. Please see attached - complaint - drivers license - social security card - address Please have this report to XXXX at once.
11/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KY 427XX	Web	Servicemember
Kickoff Lending has reported account # XXXX opened on XXXXas a debt owed by myself without any letter of verification that the debt belongs to me. Resulting in a negative payment history for the months of XXXX, XXXX, XXXX, and XXXX of XXXX. This account was opened fraudulently by someone whom stole my identity. The following is the 2nd of 2 accounts reported by Kickoff Lending. Account # XXXX also shows up as being 90 days late on my credit bureaus as a result of fraud. I have also asked for a letter of validation for this account and Kickoff Lending denies to share any validation or verification proving either account belongs to myself. This two accounts combine for 7 Late Payments that arent mine and should not be listed on my credit reports.
12/14/2023	Yes	Debt or credit management Credit repair services	Problem with customer service	VA 23238	Web	Servicemember
Ive reached out to this company more than 4 times in the past 3-4 months and STILL havent received any assistance. To submit a ticket, they request a screenshot, but their system wont allow attachments and always throw back an 403 error. Ive explained multiple times that my email is full and will no longer accept emails on the email address I initially registered with. Additionally, I setup 2 factor identification, but I no longer have the phone number associated with the account and have been unable to login to the account to update any contact information for myself. Ive been patient, but this company takes money out of my checking account every XXXX of the month but are non-existent when it comes to providing customer support to their users.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA XXXXX	Web	Older American
On XX/XX/2022 i received an email from " Kikoff Company '' promising me that my Credit Score will increase Very fast if i agree to pay them {$8.00} per month. After my first payment my Credit Score was Decreased instead and without any other activity in my Credit Report. I emailed them immediately few times ( since they don't provide a phone number ), but i haven't received any response except their monthly emails about my due payments. After few months i checked my Credit Report and i found out that they reported me late payments to ( XXXX, XXXX, XXXX ), that i owe them {$1000.00} and my Credit Score kept Decreasing. I am sure that they Defraud many people besides me. " Kikoff Company '' proved to be a Fraudulent/Criminal Company .
08/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60634	Web
I contacted kickoff back in XX/XX/2023 regarding this account email XXXX XXXX she email me back and stated that if I pay {$24.00} they will be deleted from all 3 credit bureaus which XXXX already did now so I did i mailed the an money order and express it to them which i have proof and took photos of the money order XXXX reached and said she received the money order and put towards my balance and it will 2 weeks to report to the credit bureaus it has been serval months and this account still reporting in correct and now is reporting have balance of 24 which I've paid i reached out serval time to XXXX and XXXX and they still haven't reached out to this crooked company please help me deleted this from credit report
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 52722	Web
In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraoh the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60804	Web
In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX bank # XXXX, has violated my rights. XXXX XXXX XXXX XXXX # XXXX, has violated my rights, kikoff # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) ( 2 ) it also states a consumer reporting agency can not furnish a account with my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/24/2023	Yes	Credit card Store credit card	Incorrect information on your report Information is missing that should be on the report	FL XXXXX	Web
AS YOU CAN SEE THIS COMPANY ISN'T REPORTING XXXX, ALSO REPORT DATES, OPENED DATE AND PAYMENT DATE INCORRECT. Account # : Account Type : Account Type Detail : XXXX Revolving XXXX Revolving Charge account Charge account Bureau Code : Individual Individual Open {$0.00} XX/XX/XXXX {$0.00} Account Status : Monthly Payment : Date Opened : Balance : Open {$0.00} XX/XX/XXXX {$0.00} No. of Months ( terms ) : High Credit : Credit Limit : {$24.00} {$750.00} {$0.00} {$0.00} {$750.00} {$0.00} Past Due : Current XX/XX/XXXX Charge Amount in H/C column is credit limit XX/XX/XXXX XX/XX/XXXX Payment Status : Last Reported : Current XX/XX/XXXX Comments : Date Last Active : Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 75040	Web
I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$60.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
08/17/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 95928	Web
This bank has shown continuously they can not keep my money safe and the time they require to fix the issue is both unfair and unacceptable. Blocked my old card for security reasons and a merchant was still able to get a hold and charge of the new one ; and I have not even received it yet. They take no accountability, hung up and have given me the run arounds so much. Demanding over 60 days to resolve an error on their part. All calls to make it right has been futile. All questions as to how a merchant was able to charge a card I have yet to receive. I just want my money back in XXXX timely fashion. I do not have the luxury to wait for months for them to fix an issue they let get out of hand
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30312	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearty states that i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an acsount without my written instructions. 15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer eredit plan as late for any purpose. Remove these late payment and upcate this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 91107	Web
I WAS CHECKING MY CREDIT REPORT AND SAW THIS COMPANY, I HAVE NEVER HEARD OF THEM BEFORE, I TRIED TO CALL BUT THERE IS NO LIVE HELP, THIS IS IDENTITY THEFT AGAINST ME, I DID NOT APPLY FOR THIS AND I AM NOT RESPONSIBLE, THIS IS THE FRAUDULENT INFO I SEE ON MY CREDIT REPORT : Account info Account name KIKOFF LENDING LLC Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$55.00} written off. {$30.00} past due as of XXXX XXXX. Status updated XXXX XXXX Balance {$55.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$60.00} Terms - On record until XX/XX/XXXX 2029
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	CA 95206	Web
XXXX app. Kick off. These are the credit repair service that said I took out a loan. But there was no money transactions directed to my bank account or received in the mail of any cash currency I borrowed. I already paid my fees for both these services and requested my account to be closed and I no longer wanted there service. A month goes by I get something on my credit report about loans I owe from both these creditors regarding that I took a loans from there company, which I never received. I wish I had a loan company let me borrow money. I wouldnt have to fix my issue with scams like this charging me after I closed my account with these two company a couple of months ago.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 483XX	Web
15 U.S.C. 1681 i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is hurting my credit report, I have being denied credit because this error. XXXX was reporting late payment when I overpaid on purpose. I was told XXXX to XXXX it was lapse of payment, I overpaid and they didnt recognize. The payment is only {$2.00} and I paid {$6.00}, to cover 3 payments in the future of the payments. Below is a screenshot showing XXXX XXXX to XXXX XXXX. I was never late and its illegal to report this inaccurate information. I overpaid because I was was in the hospital after being diagnosed with XXXX XXXX.
06/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NJ 07305	Web
I went through XXXX sent my proof and kickoff the credit card company says their information stays the same. Since XXXX I've been following the protocol to fix my credit due to as an youth name used for fraud also which XXXXXXXX XXXX XXXX was very helpful. Since XXXX I've been protecting my personal information. I've build my credit up XXXX through XXXX. Currently my score has dropped by almost 70 % my information along with my XXXX son 's age XX/XX/XXXX information was also taken my phone camera someone around me has done in XXXX of XXXX I've contacted gov identity thief which none has contacted me. May I please get the assistance or forward to the right direction. XXXX
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07087	Web
Kikoff is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to 15 U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''
12/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 90038	Web
My phone was stolen, and charges were made using my device at multiple merchants totaling {$1200.00}. I filed a dispute with kickoff lending and for whatever reason they claim that no funds will be credited to my account and this matter would be considered closed. I was sent a notice that served as a final resolution of the claim. I do not believe that they A thorough investigation of the incident and therefore should reimburse me for the funds that I had lost due to this theft. On XX/XX/2022, XX/XX/2022, XX/XX/2022, are the dates that that took place. The amounts are as follows {$820.00}, {$13.00}, {$240.00}, {$100.00}, {$38.00}, {$30.00}
09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92404	Web
I have disputed all 14 derogatory marks on my credit report to XXXX XXXX and the said they would be removing these items but have not done so. XXXX should no longer be reporting these items on my report because they were paid and now closed. Why does XXXX think they can continue to report something that I the consumer disagrees with? XXXX is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our XXXX XXXX XXXX.
08/07/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	FL 34234	Web
Someone opened an account with Kikoff Lending that I know nothing about. I only know about it because it has made my XXXX XXXX drop over XXXX points. When you call kikoff, they have an answering machine that says to send them an email but no one responded to my email. The account is XXXX days behind and it started in XXXX but I didn't notice it until it negatively effected my credit score. From what I can tell, it's only a {$24.00} debt. From what I read this company is supposed to help people with low credit improve their credit scores. All XXXX of my credit scores were over XXXX so I wouldn't have applied for that type of service.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN 38002	Web	Servicemember
With XXXX XXXX i contacted them for months and gave them the tracking number of the returned cell phone they confirm that they had the phone in their warehouse but have not scanned it in yet but now charging me for it and making negative collection 's on my credit report. XXXX has an open collection on my credit report for a account open back in XXXXand I did not have a account with XXXX they can not provide me with the contract I signed. Kikoff has been opening accounts in my name and reporting it to the credit report agencies that is not mine i have disputed this multiple times and they cancelled it and open another one after.
06/11/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	CA 90061	Web
A loan was pulled out in my name, which I never applied for from a company named Kikoff Lending llc. I never applied for the loan and am a victim of identity theft. I have tried to contact the company with a request to remove it from my credit report and to send me a number where I can speak to a representative to assist me with this issue. I have been turned away from being given a number I can contact the company through. There isn't any direct contact from this company, which can only be assumed as a scam company which is not being regulated. The ftc has to do something about kikoff lending and remove this from my credit report.
06/20/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CT 06489	Web
I was alerted to a new account on my credit report which I did not open. I reported the fraudulent account to the company and no action has been taken to close the account and remove it from my credit report. My credit monitoring says a new account was opened at Kikoff Lending on XX/XX/2022. I received the alert for the new account on XX/XX/2022. I contacted Kikoff customer support on XX/XX/2022. Kikoff customer support asked me to fill out an affidavit relating to the fraud. No action has been taken since. I have not been updated on the progress of the investigation and nothing has been said about freezing or closing the account.
12/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 151XX	Web
I recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than 30 day the reporting should be the month and late however many days for the correct reporting should say XXXX late 30, XXXX late 60 days, XXXX late 90 days. The account on my report say on time every month and then XXXX late 90 days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	FL 33071	Web
I pulled my credit report earlier this year, and notice XXXX was on my credit report, did research to find out how, why, even reported to my local police department, thinking someone was during some fraudulent activities on my credit. But, I was informed there's not much they can do. I have filled out a fraud report with XXXX, and they are trying still to make me pay for a service I have no knowledge of. I have called, contacted and tried to report FRAUD to this company, this is NOT MY ACCOUNT. I have filed a complaint with the XXXX # XXXX in regards to reporting incorrect information. Please remove from my Credit Report.
10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34471	Web
Kickoff Lending XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Courtesy removal from credit bureaus account XXXX Kickoff Lending LLC, I am asking for a courtesy removal of the account : XXXX The purpose of this account with you, that I paid in full, was to increase my credit profile and score and its having the opposite effect its hurting it. For that reason I am asking you to completely remove it from existence in all my credit bureaus its located on. Attached to this complaint is : - drivers license - social security card - address - written complaint Please have this removed as soon as possible.
08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 322XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/27/2021	Yes	Credit card or prepaid card Store credit card	Problem when making payments Problem during payment process	MA 02721	Web
hi Kikoff Lending llc ( # XXXX ) ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX AND XX/XX/2021 FOR 30 DAYS+? I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 186XX	Web
I have requested on multiple occasions for Kikoff Lending to close my account. They have not closed it, but instead reported negatively on credit bureaus. I requested this account be closed because I can not afford it. It's not a loan. You pay them money on a monthly basis and they report positive to credit bureaus. I've tried to close the account on my own and it won't let me log in even after changing my password, but instead tries to make me open a NEW account, then tell me my information is already associated with another account. Customer service told me they could not vetify my account.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	AL 36867	Web
I ask to settle & re open my account to continue my journey building my credit KIKOFF said no KIKOFF look at my account and said they can not re open & to send them a money order or check KIKOFF did not announce me as my legal name KIKOFF put XXXX in the email attached below this is fraud and scam to me Im highly upset Im not sending any money to their address thats in the email I do not trust KIKOFF they do not have a phone number where I can talk to someone directly about this situation statement KIKOFF have no saying that they can or can not open or close account I ask plenty of times
04/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48197	Web
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : KIKOFF LEND XXXX XX/XX/2022
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 208XX	Web	Servicemember
This company appears on my XXXX credit profile as delinquent and Ive never applied for an account with them. I have a credit freeze on my credit bureaus and have attempted to contact them ( email only because their phone number doesnt take calls or accepts voicemails ) but havent gotten a response back. Im showing ( 2 ) months behind on a account that I didnt apply for and havent used. This is very disturbing to me. I have challenged this debt on my XXXX report and what some remedy. Any assistance you may be able to afford would be greatly appreciated. Thank you, XXXX XXXX
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	FL 34747	Web
Kickoff lending advertisement state that you pay a total of XXXX dollars monthly and they will report to your credit report as a loan payment. However, there was no loan taken out. I was mislead thinking it was a credit repair company. When I realized what this company was and stopped paying they are not reporting a ghost loan as late on my credit report because I have not made the XXXX dollar payment. This is fraud. I didnt receive a loan from this company. There is nothing to pay back. Reporting it to my credit report as a late payment is extremely misleading
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	CA 95123	Web
I Would like to sincerely asking you to help me To get fixed on all my credit Report Which is on XXXX and XXXX XXXX and XXXX it shows negative account activity this account its called kick off landing LLC Which was very confusing and I try to call them more than 20 times and dispute them with all the Creditor and they told me they can not do anything for me I pay them on time everyones was one dollar and it says here I have a late payment and it says I cant is paid and closed so its very confusing will you please sincerity helping me and make correction thank you
12/18/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	HI 96786	Web
I believe the account is invalid. KIKOFF LENDING LL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records. KIKOFF LENDING LLC VA4O****
10/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33126	Web
This KIKOFF Lending LLC. is not a real company. I called their phone number XXXX back in XXXX to see what this charge is about. The phone went to a dream destination automated system. I filed a dispute with experian and they checked for me if this was a valid claim or not. For some reason this company mentioned it is but never sent any confirmation or letter on this matter to me. So I called them and they do not answer. I sent them an email and they stated the company is small and only one person is helping at the moment. Please help me stop this madness.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Web
You are reporting an account that was opened fraudulently by my biological father in the amount of {$12.00}. This account needs to be deleted from the record as it's not something I signed up for. I spoke with XXXX and they said it's something your company needs to remove on your end first because you keep responding that it is accurate. Please reach out to the police department on the police report attached below if you have any questions about this case. Please delete this account immediately and stop reporting it to XXXX. Account Name XXXX
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48124	Web
I signed up with KikOff lending and set my payments for the monthly XXXX on AutoPay. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of KikOFFs!
07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD XXXXX	Web
I always had a credit builder account with kikoff, I never had a loan installment. When I used to get notifications from them, I thought it was for my credit builder account. They I got an email saying my installment loan was closed! I emailed them immediately and let them know that I never opened a credit loan account for XXXX! Thats insane. They refused to help me. I cant talk to a human on the phone. I have emailed them several times stating that I never opened a credit line with them and they refuse to help me. This is fraud.
12/07/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information is missing that should be on the report	AZ 85257	Web
I was just notified that my Kikoff/XXXX account was removed from my credit report, which caused my score to drop several points. I have made all of my payments on time, most recently a few days ago for both of my accounts, and I have been paying for more than 6 months. What is the reason for this account being removed so abruptly? I need an explanation and solution ASAP, as a new account being added back will hurt my score again, and at this point Ive paid Kikoff hundreds of dollars to build my credit and this is the opposite.
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95660	Web
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received 21 days notice that my payment was going to concern late
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NH 035XX	Web
Kikoff, gave me credit and didn't tell me in writing that I owed them money. They never told me I owed payments to them at all. They are totally deceptive have have fraudulent business practices. How could I pay them if they didn't send me a bill. I want the delinquent account from Kickoff taken off my credit report. I've paid my credit cards on time or in advance. Please don't let this corrupt business harm me and other Americans. We deserve fair businesses. And, Kikoff is not fair. There fraudulent and totally unjust.
09/26/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NJ 08021	Web
Kickoff Lending LLC on XXXX21 reported a charge off to the credit reporting agencies for an alleged debt they claim I owe. A charge off, pursuant to the IRS is considered income and the company has to file a XXXX and provide me a copy. As it is unlawful to furnish income on a consumer report and tax fraud to still attempt to collect on a charge off. These actions are contributing to the injuries and damages of the obscene and profane language of spreading of inaccurate, unfounded information and damaging my reputation.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	TX 782XX	Web	Servicemember
Kikoff has been reporting me delinquent and harassing me about an overdue credit balance even after I have paid off the account in full. I also had my autopay removed by them in XXXX which caused my account to default for XXXX $ which resulted in me paying the entire account off to avoid them harming my credit profile. This is very unprofessional. They are inconsistent with their reporting to XXXX and they continue to send me emails and text stating I am delinquent even though I have no account with them any longer.
12/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	IL 61920	Web
I opened the credit builder account with kickoff inc, a couple years ago to start building credit history. I paid off the account but chose not to use the account anymore. I kept the account open for my average credit age. I recently notice that a late fee from kickoff showed up on my credit score, from XXXX. I have not accessed the acount since the spring and am incapable of doing so because i lost my old email and phone number. I have not authorized any transactions so i should not owe them anything to begin with.
08/09/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	NE XXXXX	Web
Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD XXXXX	Web
I have never opened a loan with Kikoff. I only had a credit builder account which I assumed was closed in 2022. I assumed thats where my payments were going to. In XXXX I got notification that my account was 90 days late due to lack of payment on a loan that I never opened for XXXX dollars and that my account was closed. The company keeps saying that someone logged into my account and approved it! I did not. I filed numerous complaints and a police report. I am being held XXXX and my credit continues to suffer.
04/08/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77450	Web	Servicemember
I called to dispute a transaction that occuree on XXXXXXXX for XXXX they said they dont see it but also cant tell me where all my money went in my back account i tried to call 10 times and they always blow me off telling me no sup is available and to email them instead. I want my money back for something i did not authorize. I asked for a sup multiple times and they tell me no sups are available to call back on XXXX but they still have my money and cant tell me where it went. I want my money back yesterday
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84770	Web
KICK OFF LENDING IS FRAUD BOT GENERATED COMPANY WITH NO PHONE, FAKE ADDRESSES ( ALOT ) NO HUMANS T FIX PROBLEMS, THIS ACCOUNT HAS BEEN CLOSED DUE TO A FRAUDULENT COMPANY SUCH AS KICK OFF LENDING DOING BOT GENERATED " COMPANY '' AND NEVER REPLYING TO THEIR " CUSTOMERS '' NOR DOING ANYTHING TO HELP THEM EXCEPT TO REPORT IMPROPER INFORMATION TO 3 CREDIT REPORTING AGENCIES. XXXX XXXX XXXXXXXX ANOTHER OVER SEA 'S IN AND OUT COMPANY THAT DOES ABSOLUTELY NOTHING... ..CHECK THE REVIEWS .... FED. BUREAU IS NEXT.
10/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60609	Web
XXXX XXXX an amount of {$230.00} was reported late on my credit report In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85338	Web
informed company that their reporting on the account was incorrect, provided information that billing of account had changed and company proceeded to report adverse items to reporting agencies. I have been a victim of data breach and unfortunately personal information remains at risk. Informed company to make corrections as the fallout of such data breach is beyond control. they responded with no understanding of how laws work and they must correct as transactions being reported are incorrect..
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 482XX	Web
I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I was in the hospital with XXXX XXXX issues with this to add to my XXXX I could not readd the bank account to pay. Emails went unanswered. is 2022 and my emails still haven't Here it is now 2022 and my emails still hasn't been answered. I now have a late payment on my account and credit report.
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77045	Web
Kikoff is reporting me at 90 days past due when the account was only 84 days past due, only accurate information is supposed to be reporting on my credit report & this is a violation of the CFPB. If the last payment date was XX/XX/2021 then that is not 90 days. Its actually 84, even though the account is showing to be current for XXXX & XX/XX/2021. Not even sure how the credit bureau has allowed this account to stay reporting incorrectly because theres nothing XXXX XXXX complaint about it
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 184XX	Web
I requested a free annual credit report. I noticed there was an account on my report from a company called kikoff sports wear credit. I have called this creditor several times to let them know this is fraud and needs to be removed. They have told me several times they will investigate but as of today they are reporting it on my credit report as late payment charge off. This is hurting my credit. This company will not work with me and remove this fraud account off my credit. Please help me.
10/10/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	HI 96786	Web
Im not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on KIKOFF LENDING LLC. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. KIKOFF LENDING LLC XXXX
02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40214	Web
XX/XX/ Kikoff said I opened an account which is not true I was incarcerated at the time the account is XXXX there number is XXXX I call and can never get in touch with them. This is reporting on my XXXX report and I would like this account removed off my report it says I have late payments 90 and 120 days which is not true because it is impossible for me to even open the account in the first place. This is really having a negative impact on my credit report and I would like this resolved!
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web
This is my formal complaint to KIKOFF LENDING LLC for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 744XX	Web
XX/XX/23 - In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under Act 15 U.S.C. 1681 section 602 says, " I have the right to privacy. '' 15 U.S.C. 1681 section 604 ( a ) section 2 also states, " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 U.S.C. 1666 ( b ) " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. ''
05/27/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	GA 30314	Web
I had a prepaid card with Kikoff. They are showing an alleged {$6.00} pending balance on the account that is not mine. They have also reported my account as delinquent to the credit bureaus repeatedly because of this and have charged off my account since 2022. This has damaged my credit standing. Kikoff needs update this information to show a XXXX balance on this account and delete the alleged late notations and any reference to a chargeoff from my credit report immediately.
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14228	Web
As of XX/XX/XXXX this company continues to report multiple inaccuracies to all three credit bureaus monthly such as account status, highest balance, account ratings, last verified, payment status I have asked to investigate the multiple inaccuracies numerous of times and in return the company responds of a print out of stating the account is accurate or updated with inaccuracies still I have reached out to this company several times since XX/XX/XXXX to try an fix this issue
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	VA 23502	Web
I have been asking questions for months now about my score increases not being accurate on their website. It shows XXXX points each month for 3 months. When I first signed up it did not say that they didn't report to all 3 Beraus and now they are trying to get me to pay more to do so. I want my money back and I want out of this service and I am worried about my credit score. You can't talk to someone on the phone and no one has ever responded to my emails regarding this.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33813	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. Kikoff Lending LLC, Account # XXXX, has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30044	Web
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 602 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
07/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	WA 99352	Web
I have this company reporting on my credit report I have reached out to the phone number the company directs you to an email address I have requested via email to pay off the balance the email they provide sent a message stating that they will reach back with 3 business w its been over a week and the company has made no effort on reply there is no customer service phone number where you can speak to a representative yet they are negatively impacting my credit
03/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	AZ 85248	Web
The close account guide and link posted in the Kikoff support website at XXXX.Kikoff.com does not work for the secured credit card product. Additionally, the posted business hours for phone support are incorrect. I attempted to make a phone call to the listed number ( XXXX ) XXXX at XXXX PT on XX/XX/XXXX and after several repeats of the same message and finally getting an option to speak to an agent the automated system said it was outside of business hours.
10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75238	Web
My ex boyfriend used my id and driver 's license to open accounts after I left after he broke my hand off my wrist. Kikoff closed finally closed the account but refuses to remove it from my credit report claim they verified my identity with the social security number and driver 's license submitted. I asked how they could prove it was I was the one who submitted the information. No response. Probably because they can't prove it. They didn't verify anything.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 070XX	Web
In accordance with the Fair Credit Reporting Act KIKOFF LENDING LLC Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75154	Web
Kikoff is reporting inaccurate information on my Credit Report. I open an credit builder account wiht them and set the account on auto pay and paid it on time every month. Yje account was paid off Yet Kikoff is reporting one late payment, yet also reporting it 90 Days late which if was correct, would be three late payments. Both reports of information is incorrect and i asked that it be removed from my credit report immediately. Account Number : XXXX
12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	AZ XXXXX	Web
I have a kik account that I pay on every month and have been paying on it for months {$5.00} I go into my credit and they have me in collection saying I don't pay it and I have all my bank statements showing to this day that everything is been paid up to date so they're freely taking money out of my account and then they're going into collections on me saying I'm not paying to me that's not helping me that's to me that's not helping me that's stealing
08/29/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	MD 21206	Web
I keep getting multiple emails from a automated debt collector through the involved company. The company sent over 10 separate emails Asking me for {$400.00} debt inquiry. I ask the company to stop sending me notifications on XX/XX/2022. But instead I get unauthorized emails inquiring about payment of {$400.00} balance that's due. I never gave my consent or authorized to be contacted about a debt. And I also asked the company to stop contacting me
02/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 495XX	Web	Servicemember
Message from Kikoff related to your Claim with XXXX XXXX We received a dispute from you on XX/XX/2022 totaling {$200.00} for the following transaction. Unfortunately they haven't responded or done anything to address the this dispute. THE TIME FRAME OF 2 COMPLETE BILLING CYCLES WAS ON XXXX I've called over and over and even when I tell them that the FTC has federal regulations about this and that they're in violation of it. They still don't care.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 549XX	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/05/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CO 815XX	Web
Kick off account is closed I have repeatedly disputed the closed account as its showing up on my credit as open and verified. I have printed proof that the account is closed as XXXX keeps verifying the {$16.00} as open and its closed with the next due date in 1970!! XXXX doesnt check anything yet they continuously update account as verified and remains on my credit.. I read the ucc laws governing my rights and I will file a law suit thank you
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92025	Web
In accordance with the FCRA Account # XXXX with Lender : KikOff Lending , LLC, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64130	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX kickoff, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/14/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	NJ 076XX	Web
I was a victim of identity fraud. An unauthorized account was opened with Kikoff. When I tried to contact them they initially asked for my name, last XXXX social, and address. After complying I was sent an additional affadavit form asking for XXXX pages worth of information which I do not feel comfortable giving out. I have not had any similar issue with a different institution when I reached out to them regarding an unauthorized account.
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 316XX	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 State, I have the right to privacy. 15 USC 1681 Section 604 State A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11215	Web
I emailed this company every day and no response! They have 3 different numbers and not one can be reach! It say I have a credit account with them. Im trying to report fraud and no one is responding. Someone use my social and my name for this. This is not fair. Each number given belongs to a cell phone number. So basically someone can steal someone social n identity and this company will allow them to get away with it. Theres no help
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19141	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90802	Web
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32808	Web
KIKOFF LENDING LLC This account was due to fraud/Identity theft I contacted this creditor & they have failed to provide any contract, identification or signature. All they stated that they have my social security number. I advised the creditor that I did not open this account & it was open fraudulently. The creditor stated there was nothing could be done. I have filed a dispute twice with XXXX & they have failed to remove the item
03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 360XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89148	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92025	Web
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70094	Web
In accordance with the fair credit Reporting act the companies have violated my rights 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..
11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC XXXXX	Web
My Kikoff account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72401	Web
Kickoff Lending is reporting that I had a loan with them in the past, and I never borrowed money from that company. I disputed this account with all three bureaus and asked for verification of account. The company replies to my disputes as information is accurate and refuse to remove these accounts from my credit report. I am needing this account removed from my credit file because I never had a loan from Kickoff Lending.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 502XX	Web
In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33432	Web
My identity was used to open at fraudulent account at Kikoff lending, it looks like {$24.00} was loaned and never made a payment and my credit score was hit for XXXX points. i noticed all this on my XXXX XXXXXXXX XXXX. Kikoff makes it very difficult to contact them. I reported on XXXX but the dispute remains. ( # XXXX ) I don't know what to do at this point. Kikoff dos n't have a phone number and do not respond to email.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23701	Web
In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
06/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 117XX	Web
Im having a lot of issues with the companies I have sent emails I have sent in police reports and there is still a problem the fraudulent account is still in my report. Like I have said for the tenth time I have no knowledge of this fraudulent account. I should not be penalize for my identity being stolen. This is against the law. Help me do what's right. I have attached the FTC/Police report. & Proof of my identity
05/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	OK 748XX	Web
I thought i was applying for a loan. I never got any money from them and they are trying to bully me into paying them! I disputed it on my credit but they said its mine. I was tricked into this. I thought i was borrowing {$500.00} to help me pay rent. They are a scam company trying to take advantage of broke people. Now my credit is impacted. I have told them they will never see a dime from me. I dont pay scammers.
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48601	Web
To whom it may concern, Kikoff Lending LLC is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( 2 ) iii.
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15108	Web
Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19145	Web
I went on their web site to get more information on how their program works. You have to put in information but i was not trying to sign up for the program. they have me signed up and i never did and its reporting on my credit reports as late payments. I tried contacting the company and their answer was to explain to me how their program works. I also tried disputing on my credit report with no success.
12/12/2023	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	NV 89119	Web
Kickoff advertised a {$200.00} bonus after opening account and having direct deposit for 90 days. Account was opened in XX/XX/XXXX. XXXX dates were XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. The kickoff app confirmed the requirements were complete and kickoff is refusing to give the bonus. I have attached screenshots
12/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	AL 360XX	Web
KikOff Lending LLC is a scam, when i signed up, the customer service rep provided inaccurate and false information about the type of account this was. I immediately called with complaints about the false information that was given. Now this is showing on my credit report based upon the incorrect, unknowledgeable information the rep provided that is affecting my life at the cost of me. This is unfair.
08/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
I have disputed this account and have reached out to the company/creditors but failed. This account is being reported inaccurately and incorrectly on my credit report. I see a 30-day late mark which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11203	Web
Kikoff Lending LLC is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I learned of this account when my credit rating dropped as there was a late payment. I reached outto Kikoff lending via email requesting the removal and closure of this account. This account is not mine. Please see the attached FTC report and my Driver license
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33610	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
04/22/2021	Yes	Credit card or prepaid card Store credit card	Getting a credit card Sent card you never applied for	CA 91331	Web
Well I have a email saying that there were some alert on my credit bureau which the website is called kikoff.com. I dont even know how they got my information I dont even know how they got my email and theyre pretty much watching my credit so Im kind of worry and I need this to be resolved because the number that they have to call customer service it doesnt work and the number is XXXX XXXX
12/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 83651	Web
There's a scam company called Kickoff Lending XXXX Llc that I signed up with not knowing it was a scam. I cancelled the accou t once I learned that I was paying for a fake loan that I never received a single dime for. They're stealing from me and falsely reporting an account that I successfully cancelled months ago. With a lawyer even. But the credit destruction reports have yet to cease.
03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NH 03062	Web
My information is on the dark web, and somehow, somebody opened an account in my name and got a loan or something. I need my government to help me just remove this from all 3 credit bureaus. I want nothing!. The name of this company is XXXX. I've never heard of them until the alert came from XXXX credit bureaus. Need to find where they deposited the money, AND what ID they used!! Thanks
07/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	VA 22206	Web
I received an unsolicited Kikoff Mastercard on XX/XX/2023. XXXXXXXX XXXX XXXXXXXX XXXX assisted me in getting in contact with Kikoff to cancel the account. It is currently in process to getting canceled. No activities were detected in my credit reports, but I have taken measures to strengthen the security around my bank etc. as now I am aware that my information has been compromised.
10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27106	Web
Company Kickoff Lending LLc has placed a XXXX charge off on my credit report. The company has been emailed XXXX and again XXXX about this charged off account on my credit report. Ive never bought anything from this company! The company said this account was charged off XX/XX/XXXX Im not aware of any account with this company and no signed contract has ever been sent to me.
11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 106XX	Web
i have disputed this account for two years and no resolution. I WAS DENIED FOR AN ACCOUNT WITH KIKOFF AND i have proof. i have my denial and no emails about payments or even a log in being made. i never had access to this account. i have never been late because i never had an account. this is a terrible error that made my score suffer for years! i couldnt get an apartment!
01/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27511	Web	Servicemember
I am not aware of this issue, I have tried to call and communicate with the company, unsuccessfully .I have been a victim of data breaches and have been contacted about someone having all my information trying to purchase a phone online.I don't know if it was someone I know or a stranger. I put a lick on my credit as soon as I was contacted. Don't know what else to do
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 372XX	Web
I saw that Kickoff was inn my credit report, and I never signed up for that company, I tried to contact and the company 's phone was disconnected. I tried contacting via email and there limited contact info about them. Even the XXXX has marked the company as a scam. It saying they reported late payments but I have never heard of them or made a payment to the company.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	VA 23322	Web
A company called Kikoff says that Im two months behind in payments for {$24.00} per month. I have never heard of them. I have a perfect payment history since Ive been in XXXX. I have contacted them and told them this is fraud and to close the account. My credit score dropped XXXX points. The do not have a phone number. Only an email address. Id appreciate your help!
05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 01040	Web
The name of the company is called Kickoff. A girl that I know got my personal information and started taking credit cards and loans out in my name. XXXX XXXX XXXX XXXX for some of the credit cards that were taken out. I reached out to the company and they claim that I took out this credit line. I have no way of logging into the account or gaining access to anything.
11/10/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OK 73132	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. KIKOFF LENDING LLC is currently showing XXXX days late for the month of XX/XX/2021 in XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46227	Web
Last year, in 2021, I contacted KiK off lending to close my KIK OFF credit account which has a {$500.00} limit. I received confirmation from KIK OFF that my KIK OFF account was closed. However, the account is still showing open on my XXXX report. I filed a dispute with XXXX to let them know that my account was closed. However, my account is still showing opening.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web
I have file numerous dispute with reporting agency XXXX about this fraud account that does not belong to me that last dispute was file in XX/XX/XXXX i also files in XX/XX/XXXX i filed and sent documents as they requested the account has not been removed i filed the FTC report they removed all the other account and inquires but not the KIKOFF LENDING LLC account
09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 151XX	Web
I called XXXX a few days ago because there was an account that was not mind ( KIKOFF LENDING LLC ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08401	Web
In accordance with the fair credit reporting act this has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 6048 section 2 it also consumer reporting agency can not without my way and instructions under 15 USC 1666V payment on a credit card account under an open end consumer credit plan for any purpose
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70094	Web
My current credit report is stating that my payment history is reflecting a late payment from the company KIKOFF. This information is incorrect. My payments have been on time each 30 day period. This information reflects my credit activity incorrectly and now is prohibiting me from closing on my first home. This account needs to be deleted immediately.
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IA 50266	Web
the company kikoff lending llc has been reporting that my account balance is paid up to date but it has been putting the payment history as 120 days late. the fcra says that if there is any incorrect reporting its a full violation and i want for it to be removed and i want compensation of {$4000.00} for the hardships ive have to go through from this.
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	NJ 07047	Web
Kikoff Lending changed the terms of my contract from {$2.00} a month to {$5.00} a month without warning. They have been charging me for two years now. They claim to improve your credit score but mine has not. I asked them to stop charging me and cancel any contract and they have refused. I am unemployed and there is no end in sight to their charges.
09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
Ive never had dealings with Kik off lending and Ive already stated this but Im not getting help with the case I just keep getting told because of my email This account is verified I could easily hide my email and make another one I know people who work in cybersecurity i XXXX XXXX its not hard to use someone elses email even with them having it
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44691	Web
I have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and kickoff keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.
02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	KY 40403	Web
I downloaded the kikoff app and signed up for their service to be rejected which is fine but now I am " signed up '' with the service and have no way of contacting the staff to cancel. Neither the website nor the app have a link for help or contact, only FAQs which attempt to divert the customer 's attention. I believe this is intentional.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19132	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
05/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75154	Web	Servicemember
KIKOFF LENDING LLC XXXX I have made several attempts to contact this company in reference to this account via phone ( Phone Number online doesn't work ), email and other means more than 10 times to no avail. This account does not belong to me, it's a result of identity theft. There should not be a late reflected on my credit report
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48127	Web	Servicemember
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. My credit report was hacked & been userd and abused by someone else other than me because I have been XXXX
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30019	Web
Applied for the Kikoff XXXX XXXX premium account, it was advertised as reporting to all three credit bureau 's XXXX, XXXX, and XXXX, but it only reports to one so far and thats XXXX. I need you to make an update to my current account to XXXX, and XXXX please. My name is XXXX XXXX. Date of Birth XX/XX/1989. Order # XXXX. Thank you.
10/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I have reached out to his company several times however they have not responded to my dispute in regard to this account they are reporting this account with late marks even though I have reached out to them for forgiveness due to hardship brought by COVID 19 I have been relieved from my work and have been having a hard time.
09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 14228	Web
previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, no proof was provided nor was the negative information in this account. This is inaccurate information bring reported every month
04/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	DE 197XX	Web
I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I can not readd the bank account to pay. Emails went unanswered. I now have a late payment on my account and credit report.
06/26/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	CT 063XX	Web
On XX/XX/22 a retail loan was opened with Kickoff lending LLC in my name with a balance of {$24.00}, I never applied or opened an account. with the above company nor have I ever heard of them I tried calling the company to inform them of this problem however there is no customer service or a prompt to speak to someone.
06/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	OH 43081	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account with {$500.00} limit and a {$10.00} charge with this company was alerted to me via my credit reporting apps on XX/XX/2021 in my name. The phone number does not work so I had to send a letter through identitytheft.gov Just waiting on a response.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA XXXXX	Web
In XXXX of last year Kikoff lending closed my account after I said it was closed I error they refused to reopen the account. Although I have money spent on the account and I can no longer access and download the products o purchased on the app. This company is a scamI uploaded emails saying they won't open my account.
11/24/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 13601	Web
The company went silent after notifying the company that they were now in default and subject to the penalties that the Cfpb gives them due to theyre failure to state a claim for which relief can be granted. The company did not possess the authenticated evidence to state a claim, theyre response would hold no merit.
09/28/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70769	Web
I got my wallet stolen and someone used my stuff to open a card and now its on my credit sent police report from the day the wallet was stolen and also a report showing that they have my info. And dispute the action. And still no response. Which has effect my credit score so I cant buy anything with this on there.
08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23505	Web
Earlier this year XX/XX/23. A complaint was made about two fraudulent Kickoff accounts that was a secured loan and Kickoff charge off account that was reporting on my XXXX, XXXX and XXXX credit report. Both accounts was successfully removed from my XXXX account, but never removed from my XXXX nor XXXX account.
11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64134	Web
In accordance with the fair credit reporting act, XXXX acct no : XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 366XX	Web
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
08/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 442XX	Web
KIKOFF LENDING LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me notices in the amount of {$21.00}. The account has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does not have a contact with my signature.
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NY 14228	Web
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
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MD 21234	Web
The name of the company is KIKOFF LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX they scammed me of my hard earned money and also reported bad payments on my credit they destroyed my credit and I cant seem to talk to no one, there is no office I know its a scam they need to be investigated
01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 731XX	Web
On XX/XX/XXXX someone open a account in my name I reported it as fraud XXXX they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA XXXXX	Web
On XX/XX/2021 an account was opened in my name with Kikoff Lending LLC. I DID NOT open this account. I have contacted the company via email since the number provided will not allow calls. This is fraud under my name. I have a fraud alert and my credit is frozen. This should not have been opened.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32835	Web
In Accordance with Fair Credit Reporting Act Kikoff Lending LLC Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
07/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 95827	Web
Kickoff Lending LLC, appears on my credit report with a limit of {$500.00}, I never applied for credit through them, I have never receive correspondence from them in my name, I disputed this with XXXX, now they have reported a late payment. The phone number they have on file is a recording.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 423XX	Web
In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
09/12/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 27403	Web	Servicemember
The company incorrectly reported that they didn't receive payment. And there is Noone to speak to resolve this issue. I sent emails which a response comes every XXXX days with no resolutions or follow ups. The payments they received but did not process are XX/XX/2011, XX/XX/XXXX &.
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	PA 19460	Web
I am applying for a mortgage and I'm told I have this derogatory account for Kikoff Lending. I am not aware of any such account. When I reach out to Kikoff Lending, their phone # only goes to a voicemail that says email us at XXXX I've emailed and not heard back from anyone.
05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78653	Web
I closed my kickoff account because I was paying it an it was saying it wasnt getting paid so it was bring down my credit so I closed it with the company because it was false and its not showing closed it still being down my credit but not letting me in the account to pay
08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35205	Web
Kikoff is reporting to XXXX that I was 90 days late on a {$12.00} loan. I have attached the 2 screenshots proving I was never late let alone 90 days and the account was paid off. They clearly have me confused with someone else or this is some sort of ID theft problem.
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21202	Web	Servicemember
'KIckoff is reporting information again not Condusive to 15 U.S.1681a ( 2 ) ( a ) ( i ) Exclusion of Transactions and Experiences Particularly Late Payments as so much No Written Authorization Given to Disperse Information to Various Agencys, Bureaus and the Likes ''
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77627	Web
Hello, I would like to know what inconstancy '' KICKOFF '' do you have in my complaint? The account was not open by me, its falsely bring reported to the credit bureau, and it has negatively being reported on my credit report, per the CFPB that's against the law!
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92805	Web
I am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.
09/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Account status incorrect	CA 92336	Web
Created this account to credit build, decided to cancel and close out the account. Later reported that I owed {$60.00} for the ( XXXX XXXX monthly payments ), however, the monthly payments were not notifying me that I was owing still, I cancelled the account.
02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23505	Web
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a Kikoff credit account with a limit of {$500.00} from Kikoff Lending , LLC was open without my permission and reported on my XXXX and XXXX credit report.
06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94110	Web
On XXXX XXXX XXXX, I check my XXXX After revising my credit report about late payments. On XX/XX/, I sent out letters to KickOff Lending to remove transactional history from their systems and other third parties. KICKOFF LENDING LLC ACCT : XXXX
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92805	Web	Servicemember
I am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94587	Web
I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed immediately.
08/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NE 68022	Web
an account was opened with my information on XX/XX/2022. I received a past due alert on XX/XX/XXXX. I tried to contact the company and they do not have a number I can talk to someone. This has affected my credit rating. Please advise. XXXX XXXX
09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
Ive never dealt with XXXX and Im being told that my information is verified and that my email is also verified but Ive never used XXXX or even attempted to use XXXX too build credit all my debts on my account have been attempts to build credit
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 77627	Web
I reported to Kickoff that I did not apply for a loan that they claimed I signed up for. I had no need for a loan of {$750.00} at that or even now. The dates started XX/XX/XXXX and placed on my account XX/XX/XXXX for a late payment of XXXX.
10/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
09/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02125	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
05/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 482XX	Web
I have never used the services of this company I am a victim of identity theft for the last 10 years and the information reported by this company under my name social security number and birth date is inaccurate and does not belong to me
05/26/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	GA 31021	Web
to whom may concern, i never opened a kickoff account get help with my credit score. if possible i need this credit taking off my credit report.and have a boost to my score for this matter that also took my score down a lot of points...
01/03/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	MI 48213	Web
Hello my name is XXXX and I were wondering if you could remove the Kikoff Lending LLC off of my account. I closed the accounts more than six months back but it never registered on my credit app. But it says its closed on my Kikoff app.
08/05/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 92571	Web
I was under the impression that I can use the kickoff card anywhere. But now I see I can only use it at the kickoff store. I do not like what I see. I am requesting my {$5.00} back along with you closing my account as soon as possible.
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	VA 23434	Web
Kikoff is not reporting to XXXX with current payments that have been reporting to all other consumer reporting agencies. I would like this to be updated so that I can gain positive reporting for XXXX that is currently not reflecting.
02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75227	Web
XXXX reporting false information on my credit report this account does not belong to me and should be remove immediately the address and info is not correct ive have filed a police report and XXXX report in regards to this matter
10/16/2023	Yes	Debt or credit management Credit repair services	Confusing or missing disclosures	PA 19401	Web
Kickoff is supposed to help build your credit. My score went up the first week when I applied and havent benefited me since. I closed my account and they put it on my credit report also without giving me back what I put in to it.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30087	Web
KIKOFF, They report late XXXX XXXX more then 2 months, false and inaccurate information l have emailed and no such help was giving. I am requesting this to be removed immediately or I will take further means. Violation of FCRA
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33404	Web
On my XXXX report KIKOFF LENDING LLC, hasnt been reporting my on time payments, increased credit limit and balance since XX/XX/2023 and Ive been trying to fix this problem for XXXX months now and its hindering my credit score.
01/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 483XX	Web	Servicemember
KIKOFF LENDING LLC Is being reported as late on XXXX but on XXXX its unknown I have never been late and I want it corrected a reporting not late. I was not late paying on XX/XX/XXXX KIKOFF LENDING LLC Opened : XX/XX/XXXX XXXX
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35215	Web
Company is in violation of USC 15 1681 ( a ) ( 2 ) ( i ) which states that a consumer credit report doesnt include information solely as to transactions or experiences between the consumer and the person making the report.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	NY 10550	Web
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.
03/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	AL 36117	Web	Servicemember
On XX/XX/ Kikoff suspended my card without any explanation and I just had my paycheck deposited and no one could not help me their only explanation is to send an email. I have bills and I know they cant hold my paycheck.
01/09/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35801	Web
didn't open account don't know what kikoff is caused my credit score to go down want removed and credit score fixed back to XXXX fix my credit score back to XXXX remove kikoff never opened it don't know what it evan is
01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	TX 78415	Web
I want to close my kikoff account I can't even use it in this hard times of financial stability yall can't help me use the money I need to I want my account closed because I never used the credit that was given to me
09/05/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27455	Web
KIckoff account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32607	Web
I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28208	Web
Account Name KIKOFF LENDING LLC Account Number XXXX Date Opened XX/XX/2020 Balance {$12.00} The information they are reporting is incorrect and I do not know this company and I never did a contract with them.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 326XX	Web
KickOff Lending is showing up on my credit report as they loaned me XXXX dollars. I never applied for this and I keep calling the credit bureau to get this disputed or removed and I can not get any solution.
06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93313	Web
I am not liable for this debt with Kikoff lending LLC. I have no knowledge of this account, I do not have a contract with Kikoff lending LLC. They did not provide me with the original contract as requested.
11/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02124	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI XXXXX	Web
I disputed something with the credit reporting agency after 30 days they did not put account in dispute which is a violation of USC code 1679 each I want this information deleted of my credit report
08/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 941XX	Web
Some one opend a credit card under my name on XX/XX/XXXX and it pulled up on ny credit score today. KIKOFF/CCB i have notified equifax about the situation. there is no number to contact KIKOFF/CCB
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30319	Web
I have tried contacting kickoff several time last month but no response, I pay them for there service and I get no response so they are just taking people XXXX XXXX XXXX XXXX and never responding
11/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 922XX	Web
I received the email from the company concurring with what I am saying about the account and I receive the email from XXXX XXXX concurring what Im saying that my accusations are accurate. And I.
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20705	Web
15 USC1681 section 604A section 2it also states a consumer reporting agency can not furnish a account without my written instructions. I5USC1681 section 602A states I have the right to privacy.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 14228	Web
On XX/XX/XXXX if a cow is still reporting inaccurately as a delinquent account or derogatory account with XXXX it has not been deleted nor updated as a as the other two credit reporting bureaus
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24501	Web
I am a victim of identity theft .The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MI 48092	Web
I signed up for this company by mistake ( online ) its a charge account that sells products I don't want and keep reporting to my account and I never gave them permission! Kickoff lending llc
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01108	Web	Older American
There are a number of hard inquiry on my credit report that I did not authorize, would like them to be removed. XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX
07/15/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	PA 19026	Web
I never opened this account I have attempted to close this over and over even pd a few times so my credit didn't get hit im so aggravated as I've been working hard on building my credit
07/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 142XX	Web
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. ''
10/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 027XX	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02780	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02125	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35020	Web
The following account should not be reporting to my credit file, please remove this account from my credit file as soon as possible. I have attached a copy of my police report.
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
10/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
05/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 94565	Web
This kickoff company never send me a book the they said they will they keep charging me and report it to the credit bureaus like if they really sold me a book when is not true
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11226	Web
Kikoff Lending LLC is reporting an inaccurate tradeline on all 3 of my credit reports. Kikoffs XXXX reports are horrible! They are doing the same thing to many other people.
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 441XX	Web
I have recently reported a problem to Kik off but the account is closed and information was still being reported and I would like them to be removed from my credit report
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	KY 40214	Web
Stop bothering me with this XXXX I dont even know what its about only what Ive read take me off you calling list I will call the XXXX XXXX XXXX stop with the harassment
07/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43227	Web
On XX/XX/2021 somebody opened up a credit card in my name. This account is fraudulent, I have never had any credit cards in my entire life and I need this removed.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MT 59701	Web
I have been making on time payments for bout 6 months now and still am unable to get a score, I have tried disputing incorrect info and still nothing ....
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	LA 701XX	Web
Someone fraudulent open account with my information and Im trying to resolve this problem but they the company have no real human being customer support
11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92584	Web
Im getting emails stating I have a kickoff account but I dont remember making an account with them and Im getting charges and its making my credit bad.
11/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	FL XXXXX	Web	Servicemember
I had got chime had XXXX and loss my job I miss a few payment I try too reach out too da company to get a 1 time good will adjustment but they said no
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06010	Web
I was informed that I didnt have any late payment on the record they stated the reimburse the late payment charge but didnt remove from credit report.
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Web
This is not my account, I have never legally consent for this account to hav my information, this account is fraud and I want this off my credit asap
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 317XX	Web
this company charged me for services that I did not receive and they have not answered my request for correction not have I been able to contact them
03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MN 554XX	Web
I have filed a dispute in regards to the incorrect items on my credit it has been well over 30 days and I havent received any investigation results.
07/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AK 99508	Web
I was a victim of the XXXX data breach of 2017. and the Alaska XXXX XXXX XXXX data breach KIKOFF LENDING , LLC # XXXX {$20.00} is not my account
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	WA 98422	Web
I thought Kikoff was not a account I opened and so I filed dispute but it is my account only it was removed from my account I need it put back on
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 615XX	Web
Accounts started showing up on my credit report. Ive contacted the company about the issue but no resolution. I never authorized these accounts.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	CA 95122	Web
I installed app subscription to improve my credit score. After couple days I called and cancel my subscription but they still charging my card.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77047	Web
Kikoff is reporting to XXXX that I made a late payment on XX/XX/2022 which is false, Kikoff also reported to XXXX no late payment XX/XX/2022.
07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CT 06610	Web
I have no recollection of ever opening one of these accounts. Theres a {$5.00} balance that has hurt my credit and this account isnt approved
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85008	Web
I have been trying to buy a car and i was denied due to damages to my credit according 15 USC 1681 Law That is deformation to my character.
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35126	Web
15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	TX 77045	Web
My account is reporting wrong address and will not let me update it It should have XXXX XXXX XXXX XXXX XXXX Tx XXXX as the only address
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90230	Web
I noticed and unfamiliar account was opened in my name contacted my bank and opened a fraud investigation with the unfamiliar account
08/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28328	Web
Hello i wanted to get the following inquiries deleted for i did not authorize these companies to run my credit which is fraudulent.
12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60649	Web
I tried to get information proving that I missed a payment but never received the proof as there is none because I was never late
01/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19901	Web
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.
06/10/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	WA 98166	Web
A loan for {$120.00} that I did not apply for was opened up in my name on XX/XX/2022 Creditor Information KIKOFF LENDING LLC
05/19/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	LA 71291	Web
Kickoff says I owe them something and its supposed to be a credit builder instead my credit has dropped because of it
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11375	Web
none compliant refusing to remove instead leave a {$2.00} balance and provide verification account created online
07/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 93534	Web
can not access the portal to make payment. i asked this account be closed 2 months ago, no response from company
02/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	VT 058XX	Web
Someone opened a credit card that I just realized was on my account and it it broke my XXXX XXXX XXXX points.
02/09/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 214XX	Web
Sent validation letters and cease and desist letter company is non compliant after thirty business days.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30034	Web	Servicemember
Kickoff Lending LLC is reporting a closed and delinquent account, I have never had an account with them.
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21921	Web
i look at my credit report and say that it had reported my payments as late, i never opened the account
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30135	Web
KICKOFF IS REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS AND CAN NOT VERIFY MY PERSONAL INFORMATION
04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	OH 441XX	Web
The information on my credit report dont match the actual reporting dates on the credit building app
04/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20720	Web
I found this account under my credit reporting that I did not authorize, nor provide consent for.
03/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	AL 368XX	Web
They are reporting this account as PAID AND CLOSED! Its reporting negative on my credit report
06/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30043	Web
I reached out via Email as well as phone and have received no correspondence from XXXX XXXX
10/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29360	Web
My identity was stolen and I never had this credit card in the amount of XXXX with KickOff
08/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	MI 48340	Web
Kikoff is reporting late payments which is illegal. Its hurting my credit reporting file.
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34759	Web
Credit repot have my information wrong it does not show XXXX or XXXX false identity.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94080	Web
Someone open account under my name and apper on my credit report whit late payment
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web
The date it was reported as late XXXX XXXX, XXXX was incorrect and unverified.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89178	Web
applied for XXXX card and i checked my credit report a had too many inquiries
01/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31907	Web
Closed account should not be on my credit report please delete In XXXX days
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98168	Web
kick off is still showing up on my credit as open when it should be closed
05/27/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	GA 316XX	Web	Servicemember
Holding deposits, not being consistent with depositing money on time.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	MD 21206	Web
Hey the company is reporting late payments to my credit report
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 713XX	Web
Im in EBB program and i never received internet
04/15/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	TX 78613	Web	Servicemember
An account was fraudulently opened in my name.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98290	Web
Kickoff lending XXXX $ late payment not mine
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	AZ 85339	Web
I won't to Opt-in I keep getting denied
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	CA 91803	Web
Did not notify me any payment was due
11/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32566	Web
This is not mine
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11205	Web
Wrong address
02/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45371	Web

02/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75154	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95206	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30080	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36869	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 366XX	Web	Servicemember

02/02/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	DC 200XX	Web

02/01/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91325	Web

02/01/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90043	Web

01/30/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33714	Phone

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	IL 60620	Web	Servicemember

01/29/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 810XX	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02148	Web	Servicemember

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37064	Phone

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web	Older American

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	PA 19138	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48044	Web

01/25/2024	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77642	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48021	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63143	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 751XX	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NH 030XX	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36869	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40207	Web

01/22/2024	Yes	Credit card Store credit card	Getting a credit card Card opened without my consent or knowledge	KY 40214	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 616XX	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48224	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 705XX	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21216	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30013	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19720	Web

01/19/2024	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MN 55104	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28277	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21234	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33127	Web

01/18/2024	Yes	Debt or credit management Credit repair services	Problem with customer service	NY 11530	Web

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11229	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WV 25413	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CA 94585	Web	Older American

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23231	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Phone

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92508	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75071	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72401	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33162	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91601	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31322	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33162	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80231	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07302	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49203	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web	Servicemember

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32839	Web

01/09/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76110	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11434	Web

01/08/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	CO 80231	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30032	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92591	Web

01/07/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

01/05/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Incorrect information on your report Account information incorrect	GA 31419	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70785	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91710	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21244	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 38801	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07302	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IL 610XX	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29316	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33181	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10001	Web

12/28/2023	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MA 02148	Web	Servicemember

12/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35211	Phone

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78704	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	GA 30305	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 315XX	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71854	Web

12/14/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	CA 93535	Phone

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33147	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92646	Web

12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21206	Web

12/07/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	GA 30127	Phone	Older American

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07601	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90247	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30528	Web

12/02/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Loan payment wasn't credited to your account	NJ 08618	Web

12/01/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TN 37115	Postal mail

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39339	Web

12/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78656	Web

11/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75054	Web

11/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77708	Web

11/13/2023	Yes	Debt or credit management Credit repair services	Problem with customer service	CO 80217	Web	Older American

11/13/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	LA 70764	Web

11/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53218	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30144	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60085	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34234	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 92115	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32839	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	PA 19082	Web

11/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37189	Web

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web

10/29/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07601	Web

10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34769	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62060	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

10/23/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CT 06112	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30144	Web

10/20/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	NJ 07203	Web

10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33605	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73003	Web

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30680	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30233	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22554	Phone

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN 37207	Phone

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27612	Web

09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90038	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48197	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

09/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48236	Web

09/08/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	TN 37115	Postal mail

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48021	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07203	Web

09/01/2023	Yes	Debt or credit management Credit repair services	Didn't provide services promised	AZ 85742	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20720	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60617	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60623	Web

08/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19150	Web

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AP 96322	Web	Servicemember

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32507	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77088	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89113	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28311	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53209	Web

08/14/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	VA 24091	Phone

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	MD 20743	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71270	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10034	Web

08/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07712	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97203	Web

08/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48219	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48234	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60623	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44101	Web

07/22/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CO 81601	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60458	Web

07/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 67226	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23225	Phone	Older American, Servicemember

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60617	Web

07/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 23059	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32209	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 61802	Web

07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 78130	Phone	Older American

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20785	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77044	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19082	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	TX 78741	Web

06/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72450	Web

06/20/2023	Yes	Credit card or prepaid card Store credit card	Other features, terms, or problems Other problem	CA 95818	Web

06/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77407	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35816	Web

06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77042	Web

06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94565	Web

06/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29063	Web

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93304	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70605	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33027	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web

05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23225	Web	Servicemember

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70605	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07050	Phone

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60478	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92647	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76133	Web	Older American

04/26/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 32514	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33324	Web

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11233	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19135	Web

04/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 31907	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33023	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30088	Phone

04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	MD 21206	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60120	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48197	Phone

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	TN 37130	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08854	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11205	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39652	Web

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77515	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77505	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85021	Phone

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30016	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29063	Web

02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36853	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Web

02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30008	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85353	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19148	Web	Servicemember

02/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30274	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76522	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48045	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23225	Web

01/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28262	Web

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70605	Web

01/12/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	FL 33311	Phone

01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02121	Web

01/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30032	Web

01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48304	Web

12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33179	Web

12/18/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33179	Web

12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 78336	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67337	Web

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19382	Web

12/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77505	Web

12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11203	Web

12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94122	Web

12/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30016	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90017	Web

12/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Phone

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90043	Web

11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	TN 38122	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21216	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11212	Web

11/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 60458	Web

11/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	MN 56081	Web	Servicemember

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48227	Web

11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95341	Web

11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19013	Web

11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77077	Web

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NC 27616	Web

10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21214	Web	Servicemember

10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35401	Web

10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32746	Web

10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	TX 77045	Web

10/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	AL 35085	Phone	Older American

10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85353	Web

10/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	MD 20784	Web

09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67207	Web

09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72015	Web

09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27704	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 74401	Web

09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48203	Web

09/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	VA 23235	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23505	Web

08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 37066	Web

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 20850	Web

08/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MD 21217	Web

08/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MA 02190	Web

08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44320	Web

08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10901	Web

08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60411	Web

08/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TN 38012	Phone

08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WA 98032	Web

07/27/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 32825	Web

07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20850	Web

07/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77014	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23225	Phone	Older American

07/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 16503	Phone

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20850	Web

07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63303	Web

06/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	WV 25541	Phone

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19143	Web

06/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 24060	Web

06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32808	Web

06/09/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	VA 20147	Web

06/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 91776	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07066	Phone

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60601	Phone	Older American

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33128	Phone	Servicemember

05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60411	Web

05/11/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TN 37415	Phone

05/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19703	Phone

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94111	Referral

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17046	Phone

05/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30021	Web

05/03/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 07305	Web

05/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35460	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33056	Web

04/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77012	Web

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43551	Web

04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30012	Web

04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30009	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39232	Web

03/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34237	Web

03/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34237	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07840	Web

02/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	WI 53218	Web

02/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20012	Web

02/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95833	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33351	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02081	Web

01/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89084	Web

01/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33603	Web

01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77021	Web

01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95843	Web

01/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 91776	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77433	Web

01/12/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unexpected or other fees	PA 16101	Web

01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34986	Web	Servicemember

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

01/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92880	Web

12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20877	Web

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30290	Web	Servicemember

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02780	Web

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

11/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	WV 25705	Web

11/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02723	Web

11/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NM 87111	Web

11/20/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Managing, opening, or closing your mobile wallet account	DE 19702	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02125	Web

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77071	Web

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38655	Web	Servicemember

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	NY 10456	Postal mail

08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 12009	Web

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02721	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02302	Web

07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02122	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02723	Web

07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02303	Web

07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report		Postal mail

07/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report		Postal mail

07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33610	Web

07/06/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information is missing that should be on the report	NC 28326	Postal mail

06/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	VA 23661	Web

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02150	Web

05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

04/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15217	Web

12/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone