Consumer complaint received 2026-04-07 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: CA

Complaint narrative:
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 ). Further, the amount being reported is not capable of verification as required under 15 U.S.C. 1681s-2 ( b ). The documentation provided consists of a lease agreement and a move-out accounting that fails to establish a valid, enforceable balance. Specifically : Charges for cleaning and painting are based on documents explicitly labeled as estimates and not final invoices. Estimated charges do not constitute actual costs and are not legally enforceable under the lease or California law. The utility charges are internally inconsistent and unreliable. The accounting reflects multiple reversals, adjustments, and reapplications of the same amounts without a clear and stable final balance. This renders the total amount unverifiable. The reported balance includes interest and additional charges derived from amounts that have not been properly validated. Where the underlying balance is inaccurate or unverified, any derivative charges are likewise invalid. No documentation has been provided demonstrating that any damages exceed ordinary wear and tear, nor that the amounts claimed reflect actual, final, and itemized costs as required. The furnisher has therefore failed to conduct a reasonable investigation and has continued to report information that is incomplete, inconsistent, and materially inaccurate. Under the FCRA, information that can not be fully and accurately verified must be deleted, not corrected or estimated. Partial verification or reliance on internally inconsistent documentation does not meet the statutory standard. Because the furnisher is unable to establish a complete, accurate, and legally enforceable balance, continued reporting of this account constitutes a violation of 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), as well as the Fair Debt Collection Practices Act prohibiting the collection of amounts not expressly authorized by agreement or permitted by law. I am requesting immediate and permanent deletion of this tradeline from all consumer reporting agencies and cessation of all collection activity.

Company response to consumer: Closed with explanation