Consumer complaint received 2023-07-11
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Kimball, Tyrie St John reporting sealed records as regular consumer debt to the CRA 's this company should be highly scrutinized for their procedures that violates the Fair Debt Collection Practices Act, and Fair Credit Reporting Act. This company is required to report accurate information to the credit bureaus as far as correct information about the judgment, including correct Case numbers, correct statuses, because this company knows and was made aware by the credit bureaus that the bureaus no longer report Judgements, Tax liens, or PUBLIC RECORDS!. In this case the Law Firm had been removed from all 3 of my credit reports, XXXX, XXXX, and XXXX. The law firm decided that if they can no longer report the Public Record, that they would use deception in making sure it is able to keep being reported. So the law firm deceptively changed the Case number XXXX to a fictitious consumer debt account number using my last name XXXX to deceptively disguise it as regular consumer debt, violating my ( right to privacy ) The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 CFR 1006.18 False, deceptive, or misleading representations or means. 

after taking a copy of my credit report to the courts and showing the court how they are reporting this Public Record, the court was in disbelief that this law firm would deliberately falsify the case number, it was made aware to me by the legal department that this Public Record is Sealed from the General Public, and is not supposed to be reported to the credit bureaus that goes against California law, and fcra, as was informed they could get sued. The court was in awww after It was made aware that this law firm was reporting a sealed record violating the right to privacy, and how they took it up on themselves to change the case number to a fictitious number that has nothing to do with the case. After reviewing the CFPB Policies that were posted on the CFPB Website, I have found that this company is in violation of the Fair Debt Collection Practices Act, and Fair Crest Reporting Act. I ha been also reviewed this companies responses to the CFPB, Attorney General, and FTC, and have realized how they are using their right to collect on consumer debt as a reason they are reporting this account. It is realized that they twist their policies to suit their benefit, they are allowed to report consumer debt to CFPB, but when it comes to them being required to explain why they are falsely reporting inaccurate information pertaining to an Eviction Case that is sealed from the General Public, I've read where they tend to divert around the topic. I have been given the necessary documents by the court, and have had a legal lawyer volunteer his services in filing the correct paperwork to file to block this law firm from reporting to the CRA 's because they are in violation, and they know it, the CFPB Knows it, The FTC Knows it, knows it's sealed. And this law firm is in violation of my right to privacy, they are by law prohibited from reporting a sealed record to third parties, it is in the laws, they do not want to report accurate information about the Sealed Record because they know that the credit bureaus will remove it against their wishes.

Company response to consumer: Closed with explanation