I am disputing XXXX rental collection accounts being reported by this firm. The reported balances are inaccurate. I received XXXX rental assistance payments that should have been applied to these accounts, but the balances being reported do not reflect those payments. I requested full validation of the debt, including itemized accounting, payment history, and application of rental assistance funds. The firm failed to provide this documentation. They continue to report these accounts to credit bureaus without proper validation and with inaccurate balances. Reporting a debt without accurate accounting or the ability to verify the balance is misleading and noncompliant with the Fair Credit Reporting Act. I am requesting deletion of these accounts due to failure to properly verify and accurately report the debt.
CFPB COMPLAINT DATABASE
Kimball, Tirey & St. John LLP
106 real consumer complaints filed against Kimball, Tirey & St. John LLP at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed41
- 02False statements or representation26
- 03Written notification about debt19
- 04Took or threatened to take negative or legal action9
- 05Incorrect information on your report7
Top states filing
Recent complaints
The 30 most recent complaints against Kimball, Tirey & St. John LLP where the consumer chose to publish their narrative.
This is a copy of the letter I have sent to them on several occasions. I am writing to formally dispute the debt your office has attempted to collect from me for more than sixteen months. This alleged debt is not mine. I owe nothing, and I have repeatedly informed you of this. The situation stems from fraudulent activity involving the property manager, XXXX XXXX, who was running a scam at the time. I was not responsible for any charges created through her misconduct, and I have no legal or financial obligation for the debt you are attempting to collect. Your continued attempts to contact me about a debt that does not belong to me constitute harassment and are a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am demanding the following : Immediate cessation of all collection attempts, including phone calls, letters, emails, or any other form of communication.…
On XX/XX/XXXX, I reviewed my XXXX credit report and discovered a collection account I have never seen before, have no knowledge of, and have absolutely no financial obligation toward. This was the first time I had ever seen this account or heard from this company. I never received any notice, demand letter, phone call, or court filing regarding this alleged debt before or after it appeared on my credit report. Account Details : Creditor : Kimball Tirey & St. John XXXX XXXX XXXX XXXX XXXX. Account Reference : XXXX Reported Date Opened : XX/XX/XXXX Original Balance : {$2800.00} Current Reported Balance : {$21000.00} The Facts : In XXXX, I resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX. I vacated voluntarily during a month in which rent was paid in full due to a XXXX XXXXXXXX that made navigating stairs unsafe. I was never served a 3-day notice, eviction notice, unlawful detainer, or any demand for payment.…
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.
In early XX/XX/XXXX, the collection agency XXXX, XXXX, & XXXX XXXX XXXX sent me a letter explaining they are sending me to collections for {$12000.00}. I immediately sent a letter via certified mail on XX/XX/XXXX demanding a debt validation of the following information : -The name and address of the original creditor - A copy of the original signed lease agreement - A complete itemized breakdown of all charges including dates, descriptions, and amounts - Documentation showing how the total balance was calculated - Proof that this agency has the legal right and authority to collect this debt - A copy of the final move-out accounting and any notices allegedly sent to me- The date of last payment and the date of first delinquency. This company did not respond or reach out in anyway to provide this information and instead began reporting this debt.
This matter arises from an unlawful detainer proceeding filed in XX/XX/XXXX. The original money judgment entered in XX/XX/XXXX was {$4400.00}. The primary focus of the proceeding and mediation discussions concerned possession of the property. The financial consequences now being reported, including the aggregation of additional amounts beyond the judgment, were not clearly disclosed or adjudicated in the context of that proceeding. I signed the stipulation in good faith based on my understanding at the time. The current reporting reflects amounts and consequences that materially differ from what was discussed or understood during the mediation process. The furnisher first reported XXXX ( CFPB XXXX ), now reports a balance of {$16000.00}, which includes : The {$4400.00} judgment Statutory interest A {$9400.00} non-judgment balance The furnisher admits no lawsuit was filed for the non-judgment balance.…
DEBT VALIDATION LETTER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear KIMBALL TIREY STJOHN, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws.…
XXXX XXXX Acct # XXXX KIMBALL TIREY, ST.JOHN I am filing this complaint regarding an alleged rental debt from XXXX that has been placed in collections in XXXX and is currently being reported on my credit report. This alleged debt arises from rental charges during the COVID-19 emergency period in California ( XXXX ). I applied and reapplied for XXXX XXXX XXXX XXXX XXXX, including a reapplication in XX/XX/XXXX. Rental assistance was approved for this tenancy. Despite the approval of rental assistance, the debt has now been placed in collections in XXXX and is being reported to credit bureaus. I dispute this debt for the following reasons : 1. The alleged default dates back to XXXX, yet the collection account was opened in XXXX. 2. Rental assistance was approved, and I have not been provided documentation explaining why the approved funds were not applied. 3. I have not received sufficient validation demonstrating that this debt remains legally collectible. 4.…
DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oklahoma, XXXX Dear KIMBALL , TIREY & ST. JOHN LLP This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws.…
I moved out of the XXXX XXXX XXXX on XX/XX/XXXXXXXX without any inspections ever being conducted on the apartment. I had submitted request to the leasing office XXXX on XX/XX/XXXX & XX/XX/XXXX. I didn't hear anything about this until XX/XX/XXXX. Per CA Civil Code 1950.5 ( f ) ( 1 ) - ( 2 ) this is a violation of renters rights. Therefore these charges they're claiming are due. This is negatively affecting my credit score. On XX/XX/XXXX I sent certified letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kimball, Tirey & St. John with notice to reply in 10 days and haven't heard anything back from either party. I've attempted to dispute this charge with XXXX countless times.
I am disputing a collection account recently reported by Kimball Tirey & St. John related to a former tenancy with XXXX XXXX XXXX in XXXXXXXX CA. This alleged debt appeared on my credit report approximately XXXX XXXX after I vacated the unit. I never received any mailed notice of this balance, nor did I receive a validation notice from the collection agency prior to it being reported. Key facts : I vacated the property on or around XX/XX/year> after receiving an eviction notice. The landlord confirmed in writing that the unit was re-rented shortly after. I made payments under a negotiated payment arrangement through XX/XX/year>. I attempted to communicate regarding a XX/XX/year> payment due to a payroll delay ; the landlord refused the payment and did not attempt to negotiate further. I never received a final itemized statement or security deposit accounting within 21 days of vacating, as required under California Civil Code 1950.5.…
This is a debt from XXXX XXXX ( XXXX XXXX ) which was an apartment I defaulted on in XXXX. From my understanding I had gotten a notice in the mail that XXXX under went litiagation for something to do with security deposits. The the debt went to Kimbal Tirey St John and they are reporting the debt at being delinquent in XXXX which is false. This debt is XXXX years old. I default occurred during the middle of the pandemic ( XXXX XXXX ).
To Whom It May Concern, I am formally disputing the accuracy and validity of a collection account reported on my credit file related to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX by Kimball , Tirey & St. John LLP This debt is fraudulent, unverified, and inaccurate and must be investigated under the Fair Credit Reporting Act ( FCRA ). Grounds for Dispute : Charges are for normal wear and tear, including painting, regular cleaning and other no basis charges after only a 7-month tenancy. Apartment complex and management company issued fraudulent charges for normal wear and tear, inflated cleaning fees, and fake repair claims without documentation. They failed to provide notice, used incorrect address, falsely claimed mail forwarding, and sent the account directly to collections without proper validation or due process. Evidence exists including video recordings.…
I moved out of the apartment in XX/XX/2020 after notifying the property management in writing via email. I was not offered rental assistance options nor informed of any pandemic-related support at the time. This reporting fails to consider my hardship during a federally declared emergency. I am requesting that this entry be removed or corrected under the Fair Credit Reporting Act, due to its incomplete and unfair context.
This complaint is also my official request for debt validation to Kimball Tirey & St. John LLP. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Kimball Tirey & St. John LLP to provide complete validation. To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Kimball Tirey & St. John LLP.
I am reporting a fraudulent account with Kimball Tirey & St. John for {$17000.00} that was opened in my name without my authorization. I never signed any lease, agreement, or contract related to this account, and I do not owe this debt. On XX/XX/2025, I received communication from the collection company attempting to collect this alleged debt. I sent a written dispute and verification request, demanding proof of the debt and a copy of the original signed contract. I also included documentation showing this account was fraudulently opened, including an FTC Identity Theft Report and, if applicable, a police report. The company has not provided verification or responded to my dispute, and the account continues to appear on my credit reports, negatively affecting my credit. I request that CFPB ensure the account is investigated as identity theft and that the account be permanently removed from all credit reporting agencies, as required under federal law.
XX/XX/XXXX Discovered a collection on my credit report that does not belong to me. Disputed the collection and it was removed. XX/XX/XXXX Collector I believe sold my information to the new collector and it reappeared on the credit bureaus under a different company. XXXX submitted disputes and in XXXX it was removed. XXXX reappeared on my reports, submitted disputes again with no resolution. XX/XX/XXXX mailed a certified letter directly to the collector, requesting proof of ownership and documentation. XX/XX/XXXX certified letter was received by the collector per the USPS website XX/XX/XXXX I disputed the collection account with XXXX stating that the debt had not been validated and could not be verified as accurate. XX/XX/XXXX XXXX responded with an automated dispute result stating that the account was verified and it adheres to the law, without requiring the collector to provide proof of ownership or documentation of accuracy.…
Almost 6 years after moving out of these apartments I suddenly get a notice on my credit report owning them XXXX. I always paid my rent on time it states I owe 6 months of rent and must pay for new paint and carpet cleaning. Those are the owners responsibilities and I could not owe 6 months of rent I would've been evicted I have never had a eviction. I do not know were all this is coming from.
I call several times to the collection company and talked to XXXX XXXX the account exsecutive the total debt is {$2600.00} andwe agreed to settle this account at a reduce amount of {$1800.00} dollars. But they refuse to give me a written agreement. Later I talked to another person name XXXX and he also told me that policy companies do not allow to send written agreements I call several times after that asking for some kind of agreement letter and they just hang up on me. I am ready to make the payment as soon as I receive some kind of proof of the agreement on wrighting, But they do not want to comply with my request.
I am filing a complaint regarding continued reporting of an inaccurate and unverifiable collection account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The account is reported as a collection in the amount of {$77000.00}, allegedly related to a former tenancy at XXXX at XXXX XXXX. I have disputed the accuracy and validity of this account multiple times, including a dispute with XXXX in or around XX/XX/XXXX, in which I specifically questioned the validity, accuracy, and legal collectability of the alleged balance. XXXX responded that the dispute was resolved, yet no documentation was provided, no itemized accounting was produced, and no substantive changes were made to the tradeline. I again disputed the account with XXXX in XX/XX/XXXX and provided supporting documentation. XXXX stated that the account was updated. However, the only change was a refreshed balance update date.…
I am a victim of identity theft. A collection account from XXXX XXXX XXXX XXXX ( {$3400.00} ) and several credit inquiries appeared on my TransUnion report. I disputed this multiple times, and although it was temporarily removed, it was later reinserted. I have filed an FTC Identity Theft Report and a police report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested that the credit bureaus block this fraudulent information. Despite providing the required documentation, the credit bureaus have not permanently blocked it and have allowed reinsertion without proper notice. This is a direct violation of 605B.
I noticed a collection reporting on my credit that I didn't recognize. I reached out to Kimball Tirey St John and inquired about the details of this collection. I was told that it's linked to an apartment rental. I explained to them that I didn't rent an apartment in XXXX as I reside in XXXX and that I believe my information was used by someone else without my authorization nor knowledge. I later learned that a former partner used my private and personal info to rent an apartment where I didnt reside, nor agree to. I inquired as to what is the fastest method to remove this account from my credit profile as I was in a process of a loan and needed my credit updated ASAP. I was told that the account will be removed from my credit if I settle it, so I SETTLED ON A DEBT THAT DOESN'T BELONG TO ME!!!! However, the account wasnt removed and continues to report on my credit Now I am out of money and the fraudulent account continues to report on my credit.…
issue : illegal credit reporting - debt collector re-aged an account and reported false delinquency dates. Description ( full complaint ) : i am filing a complain against Kimball , Tirey & St. John LLP for illegally re-aging a debt and furnishing false credit information, in violation of the Fair Credit Reporting Act ( FCRA ) and the California Fair Credit Reporting Act ( CFCRA ). My last payment on the underlying debt was in XX/XX/XXXX, and per FCRA 623 ( a ) ( 5 ), this date can not legally be changed by any subsequent collector or debt buyer. However, XXXX, XXXX & XXXX XXXX is reporting the account on my credit report with the following incorrect individual responsibility and inaccurate and impossible dates : Date opened : XX/XX/XXXX First delinquency : XX/XX/XXXX Account Type : Individual Debt This was a joint lease with two other co-signers.…
The original creditor is XXXX XXXX this company sold this loan packaged it up and sold it to a trust now this agency XXXX XXXX XXXX XXXX XXXX illegally trying to collect on a debt that has been satisfied according to XXXX XXXX and XXXX I have the right to know every bit of history and activity on this file so called loan but them not providing it and refusing to violates laws and to try to collect on a debt thats not theirs especially when its been purchased for Pennies on the dollar is fraudulent at least
I am filing a complaint against Kimball , Tirey & St. John LLP regarding an alleged debt they claim I owe in the amount of {$120000.00}. I requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). The collector responded, but their response did not satisfy the legal requirements for proper validation. They provided a moveout itemization and a copy of my lease ; however, they failed to supply : Receipts or invoices for cleaning, painting, or repairs Proof that the final bill was ever mailed or delivered to me in 2022 Documentation showing their legal authority or assignment to collect the alleged balance Additionally, the moveout statement they provided was unsigned, indicating it was never finalized or approved. These missing elements mean the debt remains unvalidated. I have disputed the debt with the credit bureaus and notified the collector that their documents were insufficient.…
I dispute the companys response. Several important issues were not addressed, and the debt remains inaccurate, incomplete, and invalid under California law. 1. I moved out in XX/XX/XXXX, yet I did not receive a final move-out statement until XXXX, which violates XX/XX/XXXX Civil Code 1950.5 ( g ) ( 1 ). 2. The company did not provide an itemized list of deductions within the required 21 days, making any claimed balance forfeited under California law. 3. My co-signers ( XXXX XXXX and XXXX XXXX ) were NEVER contacted within the legally required timeframe. 4. The charges have changed multiple times and remain unexplained and undocumented. 5. I have not received the ledger the company claims they mailed. 6. I was threatened over the phone that the balance would be placed on my credit if I did not make payment arrangements immediately. 7. I dispute the full balance and request a full investigation.…
Date : XX/XX/XXXXXXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veterans Housing Kimball , Tirey & St. John LLP ( Debt Collector ) RE : FORMAL DISPUTE OF ALLEGED DEBT, FDCPA VALIDATION REQUEST, VAWA PROTECTION ASSERTION, & NOTICE OF RETALIATORY HOUSING ACTIONS To Whom It May Concern : I am writing to formally dispute the alleged rental balance referenced in your recent notices and debt-collection letter. This letter serves as : Dispute of Debt Under the Fair Debt Collection Practices Act ( FDCP A ), 15 U.S.C. 1692 et seq. Dispute Under the California Rosenthal Fair Debt Collection P ractices Act, Civil Code 1788 et seq. VAWA Housing Protection Assertion ( 34 U.S.C. 1247112491 ; 24 C.F.R. 5.2005 ) Notice of Retaliatory Conduct Under California Civil Code 1942.5 Notice of Managements Repeated Refusal to Accept Lawful Rent Payments Cease and Desist Demand Regarding All Collection and Eviction-Related Activity 1.…
In XX/XX/XXXX Kimble, Tirey & St. John, LLP began trying to collect a {$9000.00} debt they claim comes from a XXXX California eviction judgment ( case XXXX ). I disputed the debt in writing XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) all sent certified mail and delivered. They have never provided proper validation. They sent only aXX/XX/XXXX-page XXXX default judgment and ignored every specific question I asked ( proof I was served, copy of the XXXXday notice, security-deposit accounting, proof the judgment was renewed, etc. ). The original XXXXday eviction notice was illegal because my son had already paid the late rent in full, yet the landlord threatened police and forced him out anyway. We were never served with the lawsuit and only learned of the judgment XX/XX/XXXX years later. The collector has continued adding interest and reporting the debt on my credit reports without ever validating it after my timely disputes. This violates 15 U.S.C.…
On XX/XX/2025XX/XX/year>, I appeared in small claims court against my apartment complex regarding a debt of {$120.00} that had been sent to Kimball Tirey & St. John. The judge ruled in my favor, and the court judgment clearly states that I do not owe the apartment complex any money, and that the apartment owes me money instead. Despite this ruling, Kimball Tirey & St. John is still reporting the {$120.00} as an active debt on my XXXX credit report. On XX/XX/year>, I emailed Kimball Tirey & St. John and attached a copy of the court judgment, notifying them that the debt is invalid and requesting that they delete the collection account from my credit reports. I received no response. On XX/XX/year>, I sent a second follow-up email. As of XX/XX/year>, I have still not received any response, and the inaccurate collection account remains on my credit report.…
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