Kimball, Tirey & St. John LLP

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.…

I am formally disputing this account as inaccurate, misleading, and not capable of lawful verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act. I entered into a residential lease at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA. On XX/XX/year>, I provided written notice of termination pursuant to California XXXX XXXX XXXX, along with qualifying third-party documentation. Under this statute, my tenancy was legally terminated, and any lawful financial obligation is strictly limited to the statutorily permitted period following notice. The furnisher has failed to evaluate and report this account under the correct legal framework. Instead, the account has been mischaracterized as a voluntary lease termination for health reasons, which is factually incorrect. This misrepresentation is material, as it alters the legal basis for liability and results in inaccurate reporting in violation of 15 U.S.C. 1681e ( b ).…

Married to my ex-husband, he stopped paying rent at a XX/XX/XXXX. XX/XX/XXXX filed a collection against him over XXXX years ago should have been dropped instead. It was bought out by Kimball and they have been harassing about collecting payment for something that shouldve been removed. They had agreed to remove it.

I am filing this complaint regarding a collection account in the amount of approximately {$4000.00} that is being reported on my credit reports by XXXX and XXXX. I disputed this account on XX/XX/year> and again on XX/XX/year>, requesting full verification of the debt. Specifically, I requested documentation including the original lease agreement, complete payment history, and proof that the collection agency has legal authority to collect this debt. Both XXXX and XXXX responded by stating that the account was verified, but they did not provide any actual documentation or evidence to support that conclusion. However, this same account has already been closed in XX/XX/year> from my XXXX credit report after XXXX determined that the account could not be properly verified. This creates an inconsistency between the credit bureaus and raises serious concerns about the accuracy and validity of the reporting.…

Prior to moving out on XX/XX/XXXX I was refused the opportunity to be present for the final inspection by the property XXXX of XXXX XXXX XXXX XXXX. This is an apartment unit that I occupied for XXXX years without ever having any face-to-face contact with any employee of XXXX XXXX ( they simply refuse to do so under any circumstances ). The landlord hired a contractor to conduct an inspection after I fully vacated. The inspection claims Im responsible for damage that I did not cause. My full {$500.00} security deposit has been withheld. Im being charged {$440.00} for appliance cleaning for appliances that were not left dirty to begin with. Theres pro-rated rent & utilities mixed with false damage claims for a grand total of {$2100.00}. Minus the security deposit, they have hired a debt collector Kimball, Tired, & St. John LLP to pursue me for the remaining {$1600.00} they claim that I owe.…

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.

{$23000.00} was claimed as a dept I owe if this reporting agency cant verify any accurate and any 1099c information I would very much appreciate it if you can cease and desist the collection from my credit reporting accounts

I am disputing a {$32000.00} collection from Kimball Tirey & St. John LLP for an alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, CA XXXX ). I vacated this property on XX/XX/XXXX. The outstanding balance pertained to COVID-era unpaid rent. The landlord not I applied for government payment for this debt through XXXX separate programs : XXXX. City of XXXX XXXX XXXX ( Emergency Renters Assistance Program ), Application # XXXX, submitted XX/XX/XXXX. I completed the tenant portion ( Application # XXXX ) on XX/XX/XXXX. Created under California SB 91. XXXX. California State COVID-19 Rent Relief Program ( Housing is Key ), submitted by the XXXX through XXXX XXXX in XXXX XXXX. The XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX, emailed me on XX/XX/XXXX confirming she submitted a new application. After submitting these applications, the XXXX NEVER contacted me about any balance owed. No letters, calls, or emails for over XXXX years.…

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.…

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.

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.…

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.…