Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
CFPB COMPLAINT UNAUTHORIZED COLLECTION & IDENTITY THEFT Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Company Complained About : Kimball , Tirey & St. John LLP Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Date of Issue Letter : XXXX XXXX XXXX  Reference No. : XXXX PIN : XXXX Alleged Creditor : Camber Corporation Nature of Complaint : I am filing this complaint because Kimball , Tirey & St. John LLP, a third-party collection agency, is unlawfully attempting to collect a debt from me for an account I do not owe and never authorized. I have never signed any contract with Kimball , Tirey & St. John LLP, and I did not authorize them to furnish or obtain my consumer information in any capacity. They have violated multiple provisions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I am demanding an immediate and permanent deletion of all related records, along with a formal cease and desist from any further collection activity. 



Violations Committed : 1. FCRA Violation 15 U.S.C. 1681b ( f ) : They lacked a permissible purpose to access, use, or report my consumer information. No contractual relationship exists between myself and this agency.

2. FDCPA Violations 15 U.S.C. 1692e & 1692f : They are misrepresenting a debt, failing to validate the alleged account, and attempting unfair and deceptive collection practices by contacting me without lawful grounds.

3. FDCPA 15 U.S.C. 1692g ( b ) : They failed to validate the debt in accordance with federal law. I dispute this debt and demand full validation, including : The original signed agreement bearing my signature Proof of the debts validity The entire chain of assignment and forward flow agreement from the original creditor to Kimball , Tirey & St. John LLP A detailed breakdown of all charges 4. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or unverifiable information without proper investigation and without a permissible purpose.

Demands : Immediate and Permanent Deletion of any and all records, data, or references to this debt from any consumer reporting agencies or databases.

Full Validation and Documentation, including : The forward flow agreement Chain of assignment Original signed lease or contract ( if one exists, which I assert it does not ) Written Confirmation that no negative information will be reported to any credit bureau under my name or Social Security number. 
Cease and Desist from contacting me, per 15 U.S.C. 1692c ( c ). You are ordered to immediately stop all phone calls, letters, or collection actions regarding this account.

This is Identity Theft : I have submitted a formal FTC Identity Theft Report, a police report, and provided verification documents proving I did not authorize this lease or any such debt with XXXX XXXX. The lease listed under the property at XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX was fraudulently applied for and I had no involvement. 



Relief Requested : Immediate deletion and removal of all records relating to this account.

Written confirmation from Kimball , Tirey & St. John LLP and CFPB that this account will not be reinserted or reassigned. 
Cease and desist notice enforced and no further contact made. 
Investigation into this agencys practices and any unlawful furnishing of data. 



Please confirm that this complaint has been received and investigated per your regulatory authority. I reserve the right to pursue all legal remedies under federal and state law including seeking statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation