Kimball, Tirey & St. John LLP

Kimball , Tirey & St. John LLP is reporting a collection account of {$18000.00} on my Experian credit report for an original creditor listed as XXXX XXXX XXXX XXXX XXXX. This firm has violated both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by failing to properly validate a disputed debt while continuing to report and update the collection account monthly. Violation XXXX Debt Validation Response Shows {$0.00} Original Balance I sent a formal debt validation demand to Kimball Tirey & St. John LLP under FDCPA XXXX ( b ) on XX/XX/XXXX, via Certified Mail with Return Receipt. Their response included a two-page collection letter and a GHP Management resident ledger. On page XXXX of their own response letter, the balance summary lists the Original Balance Owed as {$0.00}, with a Current Balance Due of {$18000.00}. A debt of {$18000.00} can not originate from a {$0.00} balance.…

b'i requested the following information with no response from the company:\nCertified Mail: XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/XXXX \nXXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXKimball Tirey & St. John XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nRE: Account XXXX \nDear Kimball Tirey & St. John, \nThis letter is a request for information regarding the account listed above. At this time Im \nrequesting the following documents: \n1. Documentation establishing your authority to collect on this account; \n2. The name and address of the current creditor; \n3. Documentation identifying the original creditor and original account number; \n4. An itemization of the amount allegedly owed; \n5. Complete account payment history; \n6. Copies of any notices sent to me regarding this account; \n7. Copies of any disputes received from me and the results of any investigations conducted; \n8.…

For multiple years now I've been in contact with XXXX at XXXX about corrections needed in my ledger, since as early as XXXX of XXXX. They eventually stopped responding about my specific issues, not adjusting or addressing my complaints for corrections, and sent the debt to their collector Kimball, Tirey, & St. John LLP ( KTS ). I am filing a complaint against Kimball , Tirey & St. John LLP ( KTS ) for violations of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I submitted a timely, written dispute to KTS regarding a {$2700.00} collection account originating from XXXX at XXXX ( File : XXXX ). The underlying charges represent gross violations of California Civil Code 1950.5, specifically charging for full carpet and vinyl replacement after an XXXX tenancy, which legally holds a depreciated value of {$0.00}. Rather than providing competent legal validation of this debt, KTS illegally reported the unverified collection account to the credit bureaus.…

Kimball , Tirey & St. John LLP ( " KTS '' ) is a California law firm that regularly engages in the collection of consumer residential rent debts through litigation on behalf of landlord clients. Under XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), attorneys who regularly collect consumer debts through litigation are " debt collectors '' within the meaning of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a ( 6 ) ). This complaint concerns debt-collection conduct by KTS acting on behalf of property owner XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in connection with a residential rental in XXXX XXXX XXXX XXXX On or about XX/XX/XXXX, KTS caused a XXXX-day pay-or-quit notice to be served on the tenant. The notice demanded {$680.00}. On its face, the notice included charges that were not " rent '' within the meaning of XXXX XXXX of XXXX XXXX XXXX ( XXXX ).…

Beginning on XX/XX/year>, I began receiving repeated telephone calls from blocked or private telephone numbers from an individual who stated only that they were calling on behalf of an attorney 's office. Despite my requests, the callers refused to identify themselves by name or provide any meaningful identifying information regarding who they were but did state that it was this company. The calls continued on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. On XX/XX/XXXX alone, I received XXXX separate telephone calls after I had already told the caller to stop contacting me. Even after I ended the call, additional calls continued that same day. Because of these repeated and unwanted telephone calls that I received on XX/XX/year> alone, that same day I sent a written notice by certified mail directing the law firm to cease all telephone communications and to communicate with me only by email using the email address I specifically provided.…

My ex-boyfriend and I were living at this apartment. I left because it was not safe so I just packed my things and grabbed my kids and left. He stayed in the apartment and did not pay rent for 3 months. My name was still on the lease but I was not aware that he was not paying rent. They allowed him to live there without paying rent and did not notify me about it or try to evict him. Now they want me to pay {$9000.00} to this lawyer when they told me that the original balance was {$6000.00} it keeps going up and up and up I can not afford that I have XXXX kids I'm a single parent and I don't feel like that is my responsibility.

Kimball Tirey is acting as the collector/furnisher on this account ( original creditor was XXXX XXXX at XXXX XXXX XXXX , a landlord Kimball Tirey is the third-party collection agency/law firm pursuing it ). My core complaint against them is about their collection conduct ; specifically that they didn't respond to my written debt validation letter sent XX/XX/XXXX via certiied mail & kept reporting the account anyway. This information is inaccurate, as I have not lived at XXXX XXXX XXXX since XXXX, and I was never served anything from their company. This was confirmed in the copy of the lease that I submitted. Since I have sent this letter, they have verified that this information on my credit report is accurate through it is not. These are inaccurate delinquency dates which start in XXXX, and I have been living in New York ( not California ) since XXXX.

CFPB Complaint - Request for Investigation and Deletion I am formally disputing the collection account reported by Kimball Tirey St. John on behalf of XXXX XXXX XXXX XXXX for an alleged balance of {$71000.00}. This account is inaccurate and remains unverified. The underlying matter involved an unlawful detainer proceeding. I entered into a court-approved stipulation and vacated the property as required. The stipulation signed by the judge did not include any monetary judgment against me, nor did it establish that I owed {$71000.00} or any other amount. Since the account began reporting, I have never been provided : An itemized accounting of the alleged debt. A breakdown showing how the {$71000.00} balance was calculated. A copy of any judgment establishing liability for this amount. Debt validation sufficient to verify the debt. Documentation proving my legal responsibility for the reported balance. Despite the lack of verification, Kimball Tirey St.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX California XXXX XXXX XXXX XXXX HAZARD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX2026 Account Number : XXXX * * * * Amount : XXXX XXXX XXXX - XXXX * * * * : {$26000.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

I am being repeatedly contacted by Kimball , Tirey & St. John LLP regarding an alleged debt of {$7300.00} from XXXX XXXX XXXX ( XXXX, CA ), originating in 2020. I have bank records confirming that payments were made in full via monthly installments of {$610.00} beginning XXXX 2020, per a signed Move-Out Balance Payment Agreement. Despite this, the account is being reported as " Unpaid '' on my credit report. Furthermore, the Date of First Delinquency is XX/XX/XXXXXXXXXXXX, making this debt time-barred under California Code of Civil Procedure 337 ( 4-year statute of limitations ), which expired in XX/XX/XXXX. The collector failed to disclose that the debt is time-barred, in violation of the California Rosenthal Fair Debt Collection Practices Act. This erroneous collection record has directly prevented me from securing new housing, causing financial harm including potential loss of a rental application fee.…

I am disputing a collection account being reported by Kimball , Tirey & St. John LLP related to a former apartment rental. The collection account is for approximately {$12000.00} and is being reported on my credit reports. I have repeatedly disputed this debt because the court documents from the underlying eviction case do not support the amount being claimed or the collectors basis for reporting the debt. Kimball has stated that the debt became due because I allegedly failed to vacate the property by a specific date contained in the court documents. However, the court documents I have reviewed do not state that the settlement would become void, nor do they state that a monetary debt would be reinstated if I failed to vacate by that date. The documents only reference enforcement of possession of the property. I moved out of the property years ago and did not remain there indefinitely. The events occurred approximately five years ago.…

I dispute the amount being reported and collected by Kimball Tirey & St. John LLP. I was not the sole occupant of the rental unit. Another occupant remained in the unit after I moved out, and I have evidence regarding the occupancy arrangement and rent payments. Despite this, the collector is attempting to hold me responsible for the full balance. I sent multiple written requests asking for a complete itemized ledger, supporting documentation, and an explanation of how the balance was calculated. I did not receive the requested documentation. I am also concerned that the balance has continued to increase over time without explanation. The balance reported on my credit reports increased from {$18000.00} on XX/XX/year>, to {$18000.00} on XX/XX/year>, to {$18000.00} on XX/XX/year>, to {$18000.00} on XX/XX/year>, and to {$18000.00} on XX/XX/year>. The original balance reported was {$14000.00}.…

Kimball , Tirey & St. John LLP ( KTS ), File XXXX, Account XXXX, is attempting to collect {$1600.00} on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX / XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. The debt arises from disputed move-out charges following lease termination in XXXX 2024. The reported balance is factually unsupported. The original creditor violated California Civil Code 1950.5 in multiple documented ways, and KTS continues to furnish this account to all three credit bureaus despite receiving dispositive documentary evidence on XX/XX/XXXX and again on XX/XX/XXXX that it has never rebutted. KEY FACTS : ( 1 ) Vendor invoices predate the move-out inspection. The landlord paid XXXX vendors before any inspection occurred : XXXX XXXX 's Painting Invoice # XXXX ( XX/XX/XXXX ), XXXX XXXX Cleaning Invoice # XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ).…

* '' I am filing a formal complaint against Kimball , Tirey & St. John LLP ( KTS Law ) for illegal credit reporting of an unverified, time-barred debt. This collection stems from a California residential lease break during the peak of the XXXX pandemic in XX/XX/year>. For years, I requested the final accounting for this account, but KTS Law continuously failed to provide it. They finally sent the move-out documents to me just last week, attached. Upon reviewing these files for the first time, it is clear why they withheld them : the underlying debt is entirely time-barred. Under California Code of Civil Procedure 337, the statute of limitations to legally enforce or collect on a breach of a written lease is strictly four ( 4 ) years. This legal window expired in late 2024.KTS Law withheld these documents until the statute of limitations passed, yet they continue to actively report this uncollectible trade line on my credit and tenant screening files.…

XXXX XXXX XXXX. XXXX {$34000.00} XXXX XXXX XXXX {$30000.00} These are fraudulent accounts that I did not authorize

I am disputing a collection account reported by Kimball Tirey & St. John LLP on behalf of XXXX XXXX XXXX XXXX XXXX. The account was marked as verified without any supporting documentation being provided to me. I was never given an itemized statement of damages, and no proof has been provided that I am responsible for the alleged charges. The balance has increased from {$25000.00} to {$170000.00} without explanation, supporting records, or a judgment. This matter involves a lease dispute during XXXX and unresolved incidents involving building conditions and landlord-controlled access to my unit. Liability is disputed. Despite this, the account continues to be reported with a balance and a dispute notation, indicating it has not been properly validated. I am requesting full validation or immediate deletion of this account from all credit reporting agencies.

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am formally requesting validation and investigation regarding the alleged debt being reported for XXXX XXXX XXXX XXXX in the amount of {$7200.00}. Please provide : * A copy of the original lease agreement * Move-out statements and itemized charges * Proof of damages or unpaid balances claimed * Documentation proving your authority to collect this debt * Verification that the information being reported is accurate and complete If the requested documentation can not be produced, I request immediate deletion of this account from all credit reporting agencies. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

I received a debt collection amount in the sum of {$21000.00} for rent due to a property called XXXX XXXX XXXX located at XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX between XXXX of XXXX to XXXX of XXXX, but I have no knowledge of this property and never stayed there during that time frame. I have been living in the same condo in an entirely different part of town the last 5 years and can prove that my residency was there and never changed during that set of dates listed for the debt being owed. So I'm filing a report to indicate identity fraud since someone used my name to record these payments and I am disputing the debt and filing this claim as a part of the dispute claim with the collection agency, which is assisting me in reporting it as fraud and debt that is not owed by me.

I formally dispute the alleged debt your office claims to be collecting. It has come to my attention that your office may have obtained, accessed, used, or relied upon information connected to a sealed matter or sealed court record. Any use or dissemination of sealed information raises serious concerns regarding unlawful collection practices, privacy violations, and potential violations of California and federal law. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I demand full validation of this alleged debt, including : * The name and address of the original creditor; * A complete itemized accounting of the amount claimed ; * Copies of any agreements or documents bearing my signature; * Proof that your office has legal authority to collect; * Documentation showing how my information was obtained ; * Identification of any court filings, databases, tenant screening reports, or third parties used in connection with this matter. Additionally, pursuant to 15 U.S.C.…

During XXXX XXXX I was living at XXXX XXXX XXXX I was furloughed from work so was not able to pay rent. The city of XXXX XXXX paid the rent. I gave proper notice to move out but they continued to charge me for rent when I was not living there. they are now trying to collect over XXXX

Good day. I can not stress enough how frustrating and debilitating this situation has been. I discovered a collection account on my credit report for a debt that I do not recognize, can not verify, and do not believe belongs to me. Since then, I have been subjected to repeated harassment through multiple communication methods, including threats of legal action, which has caused me extreme emotional distress. As a law-abiding consumer, I find it insulting and unacceptable to have my rights violated in this manner. This issue has negatively affected my mental well-being and has even caused sleepless nights.

On or about XX/XX/2026, I sent a written debt validation and dispute letter to Kimball , Tirey & St. John LLP via certified mail. Delivery was confirmed. As of the date of this complaint, I have received no response whatsoever. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector who receives a written dispute must cease all collection activity including credit reporting until it provides adequate validation of the debt. Kimball , Tirey & St. John LLP has failed to do so. Despite this failure, the firm continues to report a collection account on my XXXX and XXXX consumer credit reports with an inflated balance of {$27000.00}. The original alleged balance is {$19000.00} a difference of {$7700.00}, which represents alleged attorney fees and court costs that have never been itemized, explained, or validated.…

I am disputing a rental debt that is currently being collected and reported to the credit bureaus. The documentation provided in response to my prior dispute consists of a generic lease agreement and a move-out inspection that I did not sign. The inspection is signed only by the other tenant who remained in the property after I vacated, and therefore does not establish my responsibility for any alleged damages or charges. I was initially listed as a tenant on the lease ; however, upon my separation from XXXX XXXX military service, I provided official documentation directly to the housing office, including my orders, XXXX, and a statement of service. These documents were provided at the request of housing staff and were used to facilitate the transition of lease responsibility to the remaining tenant. I also communicated my relocation out of state at that time.…

Apartment was leased using my identity, this is the 2nd time it has happened in 2 different states. I have never lived in either of these states, nor guaranteed an apartment in either place.

I am submitting this complaint regarding inaccurate credit reporting and improper debt collection arising from a disputed residential move-out account. Kimball , Tirey & St. John LLP is attempting to collect an alleged balance of {$1000.00} under reference number XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX in connection with XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX. The collection letter is dated XX/XX/XXXX. I dispute this alleged debt in full. The claimed balance arises from excessive, unsupported, and disputed post-tenancy move-out charges after the security deposit was already retained. The resident ledger shows that a {$600.00} security deposit credit was applied on XX/XX/XXXX, and then additional charges were assessed, including carpet cleaning ( {$120.00} ), apartment cleaning ( {$140.00} ), paint and supplies/labor ( {$130.00} ), and tub resurfacing ( {$250.00} ), among other charges, to reach the alleged balance of {$1000.00}.…

XXXX XXXX XXXX XXXX XXXX XXXX is reporting a " Placed for collection '' date of XX/XX/XXXX on an alleged rental debt of {$10000.00}. This date is fraudulently re-aged my last payment occurred in XX/XX/XXXX, more than two years before the reported date. This constitutes deliberate re-aging in violation of FCRA 623 ( a ) ( 5 ). I submitted formal written disputes to all three credit bureaus via certified mail delivered March 24-26, 2026. TransUnion completed their reinvestigation on XX/XX/XXXX. Their formal written results accepted XXXX XXXXXXXX XXXX fraudulent XX/XX/XXXX date and are now calculating the XXXX reporting window from that fraudulent date showing an estimated removal date of XX/XX/XXXX. The correct removal date based on the actual XX/XX/XXXX date of first delinquency is XX/XX/XXXX. This fraudulent re-aging is extending my derogatory reporting window by two full years constituting concrete documented harm.…

The rental company, did try to charge for absurd amount of money for the rental property i left in perfect condition. I have reached to the collection company twice - Kimball , Tirey & St. John LLP., and asked for validation documents on the rental dept that they put into my credit history. They however were not able to provide : Move-in inspection report Move-out inspection report ( NOT THE MOVE OUT STATEMENT ) Documentation showing the unit condition at the start and end of tenancy Proof that alleged damages exceed normal wear and tear Evidence that proper notice and communication were sent prior to collection. This is why this dept on my record should be removed due to lack of validating documents. I have applied to personal loan and got rejected due to this dept record. I need immediate help.

On XX/XX/2026, Kimball Tirey & St. John ( XXXX ) received my certified written request for debt validation via XXXX XXXX Mail ( I have the signed return receipt as proof ). As of today, XX/XX/2026 30 days after confirmed receipt XXXX has failed to provide any debt validation whatsoever. Under FDCPA 809 ( b ), they are now required to cease all collection activity, including credit reporting, until they provide full validation. Despite this, the {$8100.00} collection account remains active on my XXXX XXXX and XXXX credit reports, directly preventing me from securing housing. I am requesting that the CFPB compel XXXX to immediately cease reporting this debt and delete it from all three credit bureaus. I have active CFPB complaints already filed against the bureaus under complaint IDs XXXX ( XXXX ) XXXX XXXX ( XXXX ), and XXXX ( XXXX ).

I am disputing a collection inquiry reported by Kimball Trey & St. John LLP related to a former tenancy w/ XXXX XXXX XXXX XXXX in XXXX, CA. This alleged debt appeared on my credit report approx 2 years after I vacated XXXX XXXX. I never received any mail notice of this balance, nor did I receive a validation notice from the collection agency prior to it being reported. The landlord confirmed in writing via email that the unit was re-rented XX/XX/XXXX. I made money order payments under a negotiation, which I paid until XX/XX/XXXX. I attempted to communicate XX/XX/XXXX payment due to a payroll issue ; the landlord refused payment did not attempt to negotiate further. I never received a final itemized statement or security deposit accounting within 21 days of vacation, as required under California Civil code 1950.5 I never received a written notice that the account was being assigned or sold to collections. They NEVER sent us to court or sued. I updated my address ; no notice was sent.

This complaint concerns an inaccurate and disputed collection account related to commercial rent during the COVID-19 shutdown period. My business, XXXX XXXX XXXX XXXX, was legally required to close due to government mandates, making it impossible to operate or generate income during that time. Over the course of approximately XXXX year, the property owner repeatedly contacted me asking what I believed I could pay toward the balance. The amounts discussed were inconsistent and changed multiple times, indicating that the total balance was not clearly established or agreed upon. When I later received a ledger, I conducted a detailed, line-by-line review and identified multiple discrepancies, missing charges, and inaccuracies. I documented these issues in writing and sent them to the owner for clarification. Instead of addressing the inaccuracies, the owner refused to correct the ledger and proceeded to send the account to collections for the full disputed balance.…