Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
To Whom It May Concern, This is a formal dispute and demand for immediate deletion of any and all alleged balances, debts, or lease responsibilities associated with my name in connection to XXXX. Under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is illegal to furnish inaccurate or misleading information regarding a consumer 's financial obligations. 
Let me be crystal clear : - I was never the leaseholderonly an occupant. 
- XXXX XXXX made all rent payments from XX/XX/year>XXXX  through XX/XX/year>XXXX  using his debit card, which your records must confirm. 
- I did not sign any lease agreement or accept financial liability for this property. 
- My father was assured over the phone that no payment was required to end the lease. 
- I vacated the unit on XX/XX/year>, yet rent was already paid through the end of the month. 
Therefore, any claim that I owe money or failed to meet financial obligations is fraudulent, and any attempt to report such false information to the credit bureaus is a direct violation of the FCRA and FDCPA ( Fair Debt Collection Practices Act ). 
XXXX XXXX XXXX DEMANDS : 1. IMMEDIATELY DELETE any alleged balance, debt, or rental obligation associated with my n a m e. 
2. CEASE & DESIST from reporting any erroneous or derogatory information about me to any third party, including credit bureaus.

3. Provide written confirmation within 15 days that my name has been completely cleared from any financial responsibility tied to this lease. 
XXXX XXXX XXXX FAILURE TO COMPLY : If you fail to remove this false information, I will pursue legal action for willful violations of 15 U.S.C. 1681n, which allows for statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. I will also file formal complaints with the CFPB, FTC, and the state attorney general for deceptive practices and violations of federal law. 
You have 15 days to comply. Consider this your final warning before legal escalation. 
Sincerely, XXXX XXXX Subject : Account : XXXX Request for Debt Validation under the FDCPA To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communication to me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please note that this is not a refusal to pay but a request for verification of the claimed debt. 
Pursuant to federal law, I request the following information : 1. Proof that you have the legal right to collect this debt, including a copy of the signed contract or agreement between me and the original creditor. 2. A full itemization of the debt, including the original balance, any fees, interest, or additional charges added.

3. The name and address of the original creditor and the account number associated with the alleged debt.

4. Proof that you are licensed to collect in my state, including your collection agency 's license number and bond information, as required by California laws.

5. Complete chain of custody ( assignment of debt ) showing the transfer of ownership of the debt from the original creditor to your agency.

6. A copy of any judgment ( if applicable ) that grants you the authority to collect.

7. Proof that the statute of limitations has not expired, showing the date of the last payment made on the account. 
Until this requested information is provided, I dispute the validity of this alleged debt in its entirety and demand that you immediately cease all collection activities, including reporting to the credit bureaus, per 15 U.S.C. 1692g ( b ).

Additionally, per 15 U.S.C. 1692c ( c ), you are hereby notified that you may not contact me further regarding this matter, except to provide the requested verification or to notify me that collection efforts have ceased.

Please note that failure to respond to this request within 30 days will be considered as non-compliance with the FDCPA, and I will have no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state 's Attorney General 's office.

Company response to consumer: Closed with explanation