Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17854119
Complaint Overview
Complaint ID: 17854119
Company: Kimball, Tirey & St. John LLP
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 94928
Date Received: 2025-12-08T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
issue : illegal credit reporting - debt collector re-aged an account and reported false delinquency dates. Description ( full complaint ) : i am filing a complain against Kimball , Tirey & St. John LLP for illegally re-aging a debt and furnishing false credit information, in violation of the Fair Credit Reporting Act ( FCRA ) and the California Fair Credit Reporting Act ( CFCRA ). My last payment on the underlying debt was in XX/XX/XXXX, and per FCRA 623 ( a ) ( 5 ), this date can not legally be changed by any subsequent collector or debt buyer. However, XXXX, XXXX & XXXX XXXX is reporting the account on my credit report with the following incorrect individual responsibility and inaccurate and impossible dates : Date opened : XX/XX/XXXX First delinquency : XX/XX/XXXX Account Type : Individual Debt This was a joint lease with two other co-signers. Reporting this account as an individual debt violates FCRA 607 ( b ) and 623 ( a ) ( 1 ), as the credit report does not accurately reflect the contractual responsibility. These dates are factually incorrect and do not match the true history of the account. This is a clear case of unlawful re-aging, which falsely makes the debt appear newer, damages my credit score, and improperly extends the reporting period far beyond the legal XXXX limit tied to the original XXXX delinquency. This violates multiple provisions of federal and state law, including : FCRA 607 ( B ) - failure to report with maximum possible accuracy FCRA 623 ( A ) ( 1 ) - furnishing information known or believed to be inaccurate FCRA 623 ( A ) ( 5 ) - reporting an incorrect date of first delinquency California CCRAA and Rosenthal Act Additionally, i have disputed this account twice with the credit bureaus, and XXXX, XXXX & XXXX XXXX verified the same false dates both times. This indicates they are knowingly providing inaccurate information and failing to conduct a proper investigation, which is a willful violation of FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 5 ). I have not received any documentation from the company validating the debt, proving ownership, or explaining why they reported these incorrect dates. Please see below the document i have attached : Lease agreement with all the tenants and lease date from XX/XX/XXXX to XX/XX/XXXX. The apartment was vacated early in XXXX of XXXX
Frequently Asked Questions
What is Complaint #17854119 about?
Complaint #17854119 was filed against Kimball, Tirey & St. John LLP regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-08T12:00:00-05:00.
How did Kimball, Tirey & St. John LLP respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Kimball, Tirey & St. John LLP?
Yes, visit the Kimball, Tirey & St. John LLP company profile at readthecomplaint.com/company/kimball-tirey-st-john-llp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.