Disputes handled at scale — with minimal manual intervention.
Dispute Management is Kikoff's productized FCRA dispute operations layer. Consumer disputes flow in via API, are classified and investigated by AI-driven workflows, and resolved with full audit trails — giving your compliance team visibility without drowning them in manual case work.
AI-automated dispute workflows
Incoming disputes are categorized, routed, and processed through automated investigation workflows — handling the majority of cases without manual review.
FCRA-compliant resolution
Every dispute follows structured FCRA timelines and documentation requirements. Resolution outcomes, correspondence, and audit logs are maintained automatically.
API-first intake and status
Submit disputes, receive status updates, and pull resolution outcomes via API. Dispute operations integrate directly into your existing servicing and compliance systems.
Full audit trail
Every action, decision, and communication is logged and retrievable — giving your compliance team the documentation they need for examinations and audits.
Dispute ops that scale — without scaling headcount.
Handle dispute volume without adding staff
Dispute volume grows with your portfolio. AI-automated workflows absorb that growth without linear increases in compliance headcount or outsourced vendor costs.
FCRA timelines met — every time
Missed dispute deadlines carry regulatory risk. Automated workflows enforce FCRA timelines and generate the documentation examiners expect.
Replace manual ops with productized infrastructure
Manual dispute handling is expensive and error-prone at scale. Productized dispute management delivers consistent outcomes at a fraction of the per-case cost.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Submit a consumer credit dispute curl https://sandbox.enterprise.kikoff.com/v1/disputes \
-H "Authorization: Bearer $API_KEY" \
-d '{
"member_id": "usr_abc123",
"tradeline_id": "tl_88421",
"reason": "not_mine"
}' # Response: 201 Created {
"dispute_id": "dsp_11904",
"status": "investigating",
"due_date": "2026-07-05"
}
Automate dispute operations without compromising compliance.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.