Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
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. The balance remains {$77000.00}, with no lease, no itemized ledger, no explanation of charges, and no proof of legal collectability. This constitutes a data refresh, not a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

The information being reported is inaccurate and misleading for multiple reasons : XXXX. Misleading Date Opened The tradeline reports a Date Opened of XX/XX/XXXX. I did not open any account or incur any new obligation in XXXX. My lease originated years earlier and I vacated the property in XXXX. Reporting a XXXX date opened for a collection account inaccurately suggests a new or recent debt and is misleading.

2. Unauthorized Rent Increase U
sed to Inflate the Balance My base rent was approximately {$2900.00}. The ledger later reflects an increased base rent of approximately {$3200.00}. I did not agree to this increase and did not sign any lease addendum authorizing it. This increase occurred during periods when XXXX  tenant protections were in effect, during which rent increases were restricted and required strict compliance with notice and legal requirements. No documentation has been provided showing lawful notice or tenant consent. As a result, the balance is inflated and inaccurate.

3. Post-Move-Out Charges Charges were added after my move-out date of XX/XX/XXXX, including rent-type and recurring charges after possession had ended. These charges are not legally collectible and should not be included in a collection balance. 
XXXX. XXXX Protected Rental Debt I submitted XXXX hardship declarations that were acknowledged by the landlord. Covered rental debt under California XXXX protections may not be reported or collected in this manner. Continued reporting of such debt as a standard collection account is misleading. 
XXXX. Failure to Verify Despite Ongoing Reporting The account continues to be reported monthly as an active collection throughout XXXX, with repeated balance updates. Each instance of continued reporting requires the furnisher and XXXX  to ensure accuracy and proper verification. No verification has been provided.

XXXX  has relied solely on the furnishers confirmation without requiring documentary proof, despite repeated disputes raising substantive accuracy and legality issues. This failure to conduct a reasonable reinvestigation violates FCRA 611 and continues to cause harm to my credit.

Company response to consumer: Closed with explanation