TrueAccord Corp. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 297XX	Web
RE : Account Number Ending XXXX To Whom It May Concern : This letter is being sent to you in response to numerous FDCPA violations conducted by TrueAccord on behalf of Opportunity Financial. This is not an admittance that I owe the stated debt but rather exercising my right to challenge questionable information found on my personal credit reports. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask for a proper validation of the debt that TrueAccord claims I owe per 15 USC1692g Sec.809 ( b ) of the FDCPA. New federal debt collection regulations interpreting the Fair Debt Collection Practices Act ( FDCPA ) took effect XX/XX/XXXX. Consumer Financial Protection Bureaus ( CFPB ) new Regulation F addresses collectors use of email, text messages, and other electronic media. Significant Regulation F provisions : Set out a presumption that a certain number of calls per week is or is not an FDCPA violation ( with factors that can rebut those presumptions ) Permit certain use of electronic communications to provide disclosures required under the FDCPA Require notice of the right to opt out of electronic communications Set out an expanded list of information that a debt collector must provide to a consumer at the outset of debt collection communications Require debt collectors to take certain actions before furnishing information about a consumers alleged debt to a consumer reporting agency Preconditions to Collector Credit Reporting : A debt collector must speak to a consumer or send a letter or electronic message about an alleged debt before reporting the account to a credit bureau Limits on the Frequency of Collection Conversations : Collectors generally must wait a week after speaking to a consumer before placing another call about that account Expanded Information on Required Debt Collection Notices : Collectors must expand the information that they provide to consumers when they provide a validation notice, which may make it easier for the consumer to identify the alleged debt or exercise their debt collection rights XXXX XXXX XXXX to Consumers Are Now Allowed : The CFPB states that collectors can provide required validation notices electronically in initial communications without complying with the federal E-SIGN Act Time-Barred Debt Collection : Collectors can still send requests to pay debts that are beyond the statute of limitations. They are prohibited from suing or threatening to sue on time-barred consumer debts Regulation F generally allows collectors to use electronic communications in collecting debts and in making required disclosures. The regulation provides the following rules for electronic communication in connection with collection of a debt : The limits and presumptions as to a debt collector communicating at an unusual or inconvenient time apply to electronic communication. An electronic communication occurs when the debt collector sends the communication, not, for example, when the consumer receives or views it. Regulation F has no specific frequency standards for emails or text messages sent to consumers, but they are still subject to the general standard as to harassment Regulation F requires debt collectors to provide notice in any electronic communication to a consumer of the right to opt out of a specific medium of electronic communication, and must disclose to the consumer a reasonable, simple, and free method to opt out of a specific mode of electronic communication Regulation F sets restrictions on a debt collectors use of electronic mediums to provide validation notices and other required disclosures : When an electronic validation notice is sent after an initial communication, the debt collector must first have complied with the E-SIGN Act, including its consumer consent provisions. Regulation F sets out optional guidelines as to the form for an electronic validation notice. With the exception as to notice to the consumer that the consumers dispute is duplicative, the debt collectorprior to an electronic responsemust comply with E-SIGNs consumer consent provisions The Consumer Financial Protection Bureau ( CFPB ) issued a final rule that explains how the FDCPA 's protections apply to digital communications and gives consumers the ability to unsubscribe from debt collectors ' electronic messages. The final rule clarifies that debt collectors can send you texts and emails to try to collect a debt. The final rule doesn't cap the number of messages a collector may send. But the rule makes it clear that the FDCPA prohibition on harassing conduct, like contacting you excessively, as well as the ban on communicating with you at inconvenient times or places, applies to electronic communications, such as texts and emails. ( 12 C.F.R. 1006.6, 1006.14 ). The FDCPA forbids harassing, oppressive, and abusive conductno matter what kind of communication media the debt collector uses. So, this prohibition applies to email. TrueAccord has sent me numerous, unsolicited email messages about the alleged debt for several days within a one-week period ( See attachments ). TrueAccord has not communicated or attempted to communicate with me using any other medium. Even though the debt collector 's conduct doesn't violate any specific conduct that the FDCPA mentions, like using XXXX XXXX XXXX XXXX XXXX, the messages were most likely intended to harass, oppress, or abuse me. So, the debt collector violated the FDCPA. Generally, the FDCPA prohibits a collector from contacting you at an unusual or inconvenient time or place. Calls before XXXX XXXX. and after XXXX XXXX are presumed to be inconvenient FDCPA Violation : TrueAccord has sent me unsolicited email messages on XX/XX/XXXX at XXXX EST about the alleged debt ( See attachments ). Under the final rule, a debt collector who corresponds with you by text, email, or other electronic-medium must include a statement about how you can easily opt out of further electronic communications to that email address or telephone number. This requirement applies to specific email addresses, telephone numbers, or other electronic-medium addresses, like social media names or accounts. ( 12 C.F.R. 1006.6 ( e ) ). FDCPA Violation : TrueAccord has never provided a statement with instructions on how to opt out. The notice does include a single hyperlink labeled Unsubscribe. Under the amended law, collectors must provide more information in debt validation notices to help consumers identify the debt being collected, dispute the debt, and learn more about their legal rights. Under the current version of the FDCPA, when trying to collect a debt, a collection agency must give consumers specific information in its first communication, which is generally called a " debt validation notice, '' including : the amount of the debt the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector a statement that if the consumer notifies the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the XXXX period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). If the initial communication doesn't contain this information, by law, the agency has XXXX days from the initial contact to provide it to the consumer. ( 15 U.S.C. 1692g ( a ) ). The " initial communication '' is the first time a debt collector conveys info, directly or indirectly, about a debt to a consumer. But it doesn't include legal pleadings, including bankruptcy proof of claims, limited content messages, and certain legally required notices. The amended FDCPA requires debt validation notices to include significantly more information and additional disclosures. Also, the amended law says that a debt collector may provide a validation notice in written or electronic form either in the initial communication with the consumer or within XXXX days after that. ( 12 C.F.R. 1006.34, 12 C.F.R. 1006.42 ). FDCPA Violation : TrueAccord sent the first communication via email on XX/XX/XXXX and did not include the legally required information mandated by FDCPA. I have never received an initial communication through email or XXXX mail from TrueAccord. ( See attachment ) In addition to the information noted above, the amended law requires additional disclosures in a debt validation notice. The FDCPA 's new disclosure requirements fall into XXXX general areas : information that helps a consumer identify the debt being collected information about consumer protections information to help consumers exercise their rights under the FDCPA, including a tear-off dispute form with pre-written prompts for disputing a debt, and disclosures required under certain laws. ( 12 C.F.R. 1006.34 ). The amendments also allow debt collectors to include certain optional disclosures. For debts related to consumer financial products or services, a validation notice must also include, among other things : the name and mailing information of the debt collector, consumer, and actual creditor the debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original creditor information, and the itemized amount of the debt reflecting interest, fees, payments, and credits since the itemization date, and the itemization date. The " itemization date '' is XXXX of the following reference dates : the date of the last periodic statement or written account statement or invoice that the creditor provided to the consumer the charge-off date the last payment date the transaction date, or the judgment date. FDCPA Violation : TrueAccord sent the first communication via email on XX/XX/XXXX and did not include the Itemized date and Itemized Amount mandated by FDCPA. I have never received an initial communication through email or XXXX mail from TrueAccord. ( See attachment ) As with the original version of the FDCPA, the amended law gives the consumer 30 days to dispute the debt and request the original creditor 's name. This validation period runs from the date the debt validation notice is provided until 30 days after it is received or assumed received. Under the amended law, the collector may assume the consumer has received the notice XXXX days ( excluding federal legal public holidays, XXXX, and XXXX XXXX after the debt collector sent the notice. So, while the FDCPA provides a consumer with 30 days to exercise its consumer protections, including disputing and requesting validation of the debt, the amended FDCPA adds XXXX business days. FDCPA Violation : TrueAccord sent the first communication via email on XX/XX/XXXX and did not include the statement listed above. ( See attachment ) The amended FDCPA also requires collectors to provide the following information about consumer protections in debt validation notices. A statement that additional information regarding consumer protections in debt collection is available on the CFPB 's website at www.cfpb.gov/debt-collection. If the debt collector sends the validation notice electronically, a statement explaining how the consumer can dispute the debt or request original creditor information electronically. FDCPA Violation : TrueAccord sent the first communication via email on XX/XX/XXXX and did not include the statements listed above. ( See attachment ) XXXX of the most powerful tools you have under the FDCPA is to require that a debt collector verify the amount and validity of the debt it's trying to collect. ( 15 U.S.C. 1692g ( a ) ). Under the FDCPA 's new requirements, the collector must include a tear-off dispute form with pre-written prompts for disputing the debt in the validation notice. The form must say " How do you want to respond? '' and " Check all that apply '' with the following statements, listed in the following order, and using the following phrasing or substantially similar phrasing, each next to a prompt : '' I want to dispute the debt because I think : '' '' This is not my debt. '' " The amount is wrong. '' " Other ( please describe on reverse or attach additional information ). '' It must also include an option to select the statement, " I want you to send me the name and address of the original creditor, '' using that phrase or a substantially similar phrase next to a prompt. FDCPA Violation : TrueAccord sent the first communication via email on XX/XX/XXXX and did not include the statements listed above. ( See attachment ) A debt collector may, under the revised law, include any of the following information when providing debt validation information, among other things : the debt collector 's telephone contact information a number or code that the debt collector uses to identify the debt or the consumer, and either or both of the following phrases : " Contact us about your payment options '' and ( below the consumer-response information ) " I enclosed this amount, '' using that phrase or a substantially similar phrase, payment instructions after that statement, and a prompt. The FDCPA also mandates that a collector disclose in the initial communication that the collector is attempting to collect a debt and that any information obtained will be used for that purpose. The collector must also state that " the communication is from a debt collector '' in subsequent communications. ( 15 U.S.C. 1692e ( 11 ) ). These disclosures are often called the " XXXX. '' As per an opinion letter published by the FTC, reporting the collection to the credit bureaus is considered continued collection activity. TrueAccord is continuing with violations of the FDCPA for continuing to report invalidated and false debt information and is subject to a fine of {$1000.00} per each violation which can be collected in small claims court. Reporting false information to the credit bureaus has already resulted in defamation of my character and is negatively impacting my ability to get the best mortgage rates which I can prove in the court of law. As a matter of contract law, I am entitled to know the full accounting summary of the amount that is being claimed that I owe. The burden of proof is on TrueAccord to show it has the legal right to collect the debt and to show that I am liable for the correct amount TrueAccord asserts that I owe. The current creditors say-so is not enough to persuade me that the correct debt amount is actually owed. In XXXX, a debt lawsuit was filed by Opportunity Financial for the alleged debt and voluntarily dismissed the complaint in XXXX since the current creditor can not validate the correct Loan Origination Date and Outstanding Balance of the said loan ; therefore, this account can not be legally verified and needs to be removed from my credit report. XXXX XXXX is reporting incorrectly and have been falsely verified by XXXX XXXX via CRA disputes. Reason for Dispute : Incorrect balances ( {$5000.00} ) and Original Open Date can not be verified due to variances in Loan Origination Dates : XX/XX/XXXX vs. XX/XX/XXXX ( See attached document with varying Loan Origination Dates ) Leaving false information on my credit reports or parking an account is considered continued collection activity on an invalidated account and is an FDCPA violation. Leaving or parking this false information on my credit reports is currently preventing me from getting the best rates on credit approvals. I have disputed this false account balance with the consumer reporting agencies ( XXXX, XXXX, and XXXX XXXX ) using a Fair Credit Reporting Act dispute ( FCRA ) and it has been updated as verified by XXXX XXXXl.
11/05/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	SC 296XX	Web
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : True Accord Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas, XXXX XXXX XXXX In this letter, I gave 30 days notice for True Accord Corporation to respond and provide me with the information that I requested. Additionally, I requested that True Accord Corporation cease all debt collection efforts, INCLUDED BUT NOT LIMITED TO : TELEPHONE AND EMAIL COMMUNICATIONS until they were able to provide me with the information I requested in writing. I requested that True Accord Corporation cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). True Accord Corporation continues to ignore my requests, thus resulting in me filing this complaint with the Consumer Financial Protection Bureau. True Accord Corporation has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, True Accord Corporation is apparently a third party debt collection agency attempting to collect this alleged debt. I have received zero correspondence from True Accord Corporation in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the True Accord Corporation et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put True Accord Corporation et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by True Accord Corporation et. al. 1. True Accord Corporation et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. XXXX. True Accord Corporation et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. XXXX. True Accord Corporation et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, True Accord Corporation et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( s ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay True Accord Corporation et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about True Accord Corporation et. al. authority to collect the alleged debt : whether True Accord Corporation et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If True Accord Corporation et. al. are contacting XXXX XXXX from of the state, provide the licensing information from True Accord Corporation et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from True Accord Corporation et. al. XXXX XXXX gives notice that : True Accord Corporation et. al. are continuing to engage in : negligence and HARASSMENT against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, True Accord Corporation et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, True Accord Corporation et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before God [ XXXX XXXX ] this 5 day of XXXX, XXXX. Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent
11/05/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	SC 296XX	Web
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice XXXX XXXX XXXX ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX to : True Accord Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas, XXXX XXXX XXXX In this letter, I gave 30 days notice for True Accord Corporation to respond and provide me with the information that I requested. Additionally, I requested that True Accord Corporation cease all debt collection efforts, INCLUDED BUT NOT LIMITED TO : TELEPHONE AND EMAIL COMMUNICATIONS until they were able to provide me with the information I requested in writing. I requested that True Accord Corporation cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). True Accord Corporation continues to ignore my requests, thus resulting in me filing this complaint with the Consumer Financial Protection Bureau. True Accord Corporation has failed to provide me with the validated debt they claim I owe them. FURTHERMORE, True Accord Corporation is apparently a third party debt collection agency attempting to collect this alleged debt. I have received zero correspondence from True Accord Corporation in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THE DEFENDANT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the True Accord Corporation et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put True Accord Corporation et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by True Accord Corporation et. al. 1. True Accord Corporation et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. XXXX. True Accord Corporation et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. XXXX. True Accord Corporation et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX XXXX al was exercising XXXX XXXX 's rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, True Accord Corporation et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( XXXX ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay True Accord XXXX et. al. XXXX of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina Comptroller Governors Annual Report, and the GAO ( General Accounting Office ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the SOL ( Statute Of Limitations ), and precisely how that was determined. Details about True Accord Corporation et. al. authority to collect the alleged debt : whether True Accord Corporation et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If True Accord Corporation et. al. are contacting XXXX XXXX from of the state, provide the licensing information from True Accord Corporation et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from True Accord Corporation et. al. XXXX XXXX gives notice that : True Accord Corporation et. al. are continuing to engage in : negligence and HARASSMENT against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via telephone with little to no information regarding this alleged debt. This manipulation tactic is causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, True Accord Corporation et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the Senate and the House of Representatives of the United States of America by Congress assembled, that is cited by THE PRIVACY ACT OF 1974 ( As Amended ) Public Law 93-579, as codified at 5 U.S.C. 552a. As records show, True Accord Corporation et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant Corporate Government Employee Questionnaire Form. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before God [ XXXX XXXX ] this XXXX day of XXXX, XXXX. Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent
02/13/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33837	Web
XXXX XXXX XXXX XXXX Billing address which is not correct they have is XXXX XXXXXXXX XXXX XXXX fl XXXX I was contacted by Multiple debt collectors representative via phone, text and email letter. The representative said I owed XXXXXXXX XXXX. However, I disputed that account with XXXX and any company collector that said I owe. Please read the story below. XXXX, XXXX XXXX started sending me multiple text messages. They did not identify what this was for. The text message only said that I owe them into call them. The text messages became excessive. This which I could show proof that they would text to meet every single day. I didn't know if this was some type of scam or what was going on. I did not reply to a text message because I had no idea who this company was, what this company was about and why they would be contacting me. I find it unprofessional for them to text me XXXX without sending me a letter explaining who they were and what they was collecting for. They sent excessive emails every day. Again not representing who they are why they try to contact me in any way. With so many scambers out there, I don't know if this is some trick text message coming in or some trick email coming in or anything else. They clearly do not expect me to answer to something I have no clue what they are referring to. Nevertheless asking me to pay for somethi have no idea what they want me to pay for. Back in XXXX of XXXX I contacted XXXXXXXX XXXX to let them know that I moved from the address they had listed. I requested them to update the information on file and put my new address. After a period of time has passed I contacted XXXXXXXX XXXX again to make sure that my address was updated because I told him I have not been receiving any of my statements. During this round I was given the hard time to get my address updated on file. It's like they didn't want to take care of it. Even though they was notified from the start I relocated. With all the back and forward phone calls it became enough. They still was not listening and still did not update my address on file. I could not even get a list of transactions, a copy of my statements or any histories on my payments at all from these people.. Every time I call them the gave me to run around. I then file a complaint with CFPB on XX/XX/XXXX and XX/XX/XXXX. Which the office has a phone number on it in a complaint with sent over. Again no matter how many times I follow complaint because my address was never updated, they still kept my address at the same location. They. never did they update my address. The address they kept sending information to I have not lived there since summer of XXXX. I moved. There is proof of how many times I contacted them including my complaints and still nothing was ever done. Consumer financial protection bureau could even look up the complaints that already had against this company, and XXXX of my biggest complaints was the address situation. I had no access to my statements for all this time. I had no access to online banking to see what was going on. When I called them they wouldn't even share any information with me about my account. Yet they was looking for me to pay my bill without providing me the necessary information. I had a right to know about my transactions, I had a right to know about if any fees were applied to the account. I had the right to know how my payments were being applied. They was not doing anything for me. It was totally unclear what I really owe. Nevertheless I should have been finished paying them off already. With that being said, they sent my information to this collection agency. With this collection agency I can't even get a breakdown on anything from the account. Nevertheless, they kept sending collection notices still to the old address. Still even on their systems nothing has ever been updated since XXXX. They are looking for payment for me but yet they can't provide me all the statements and everything else that I need off the account. Nevertheless a better understanding how we went to a collection agency. When I made every effort to work with XXXXXXXX XXXX on the situation. How do they expect me to pay for something I have not seen a bill from the kept going to the wrong address since XXXX. As a consumer how am I being protected. You're sending information to a address that I moved out since XXXX. This collection agency is sending information over to that address as well. They don't even have the correct address. They still have me listed at XXXX XXXX XXXX XXXX FL XXXX. How do they want me to pay for something if they kept sending it to the wrong address since XXXX that I had moved. No bills came to my current address at all. I can not get a request for transactions, payment history or anything else.When I call I can't even get a breakdown from the credit card company. How do they expect me to pay for something unseen. Did I suppose you just go by what they tell me and just pay something without having access to my own billing statement. Not XXXX time has a bill been sent to my current address. This collection agency email and text nonstop. They leave multiple text messages on my phone. Excessive emails. Between the text messages and the emails they clearly do not identify What they are collecting for nor did they ever validate the debit to show that they have this in their possession. This company fail to send a written debt validation notice to show I actually owe XXXXXXXX XXXX. They want continue to collect on the debt before I actually get verification. I feel like this debit that they claim I owe, Should be dismissed. Knowing I was never provided any of my statements to my home address since XXXX. I was never able to validate, see any transactions, get access to online, nor be able to speak to them directly about what was going on with my account. For years they were sending my information to a address that I no longer live at for 3 years. Until today they never updated my address even though I sent multiple complaints about this already. Furthermore, my information is being sent to a address I no longer reside at. Send in my personal information to a XXXX party. The consumer financial protection bureau Can review my complaints about the address and the situation I was going through already with XXXXXXXX XXXX. Now my information was sold over to this collection agency. I feel that they should comply with the regulations regulations that I have stated they are in violation of. See exactly what could be done in this situation. The proof is within, Consumer financial protection bureau you could go back and look at my complaints. XXXX was ever resolved or correct it. So obviously there's no secret about it. I try to work out with them multiple times and if you review all my complaints prior you can see exactly what was going on. I want them to remove any negativity off my credit report. I wanted to remove any fees that they would charge me on top of this. Wanted to see if they could close this case down without affecting my credit report. I want them to look at the whole situation from day XXXX when I started to file a complaint about this.
11/10/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 282XX	Web
Relates to CFPB complaint XXXX filed against XXXX. XXXX has subsequently turned account over to collections firm True Accord. Following represents most recent correspondence with True Accord - substantiating documentation is available for all of the statements below. Despite numerous efforts to dispute, try to understand information requests, follow up for timeline to resolve - True Accord has done NOTHING to resolve this issue. As of now, I am in " limbo '' - no resolution, no action, no follow up. Please let me know if I can send you additional documentation. -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Thu, XX/XX/2022 at XXXX XXXX Subject : Re : PLEASE READ CLOSE LOOP ON PENDING COLLECTION ACTION, DISCUSSION WITH ATTORNEY, AND NEXT STEPS To : TrueAccord XXXX, XXXX XXXX XXXX Cc : XXXX XXXX, XXXX XXXX XXXX 1 ) You contacted me on XX/XX/XXXX noting that you were collecting a debt for XXXX 2 ) I provided detailed documentation to dispute that debt collection on XX/XX/XXXX XXXX ) After numerous requests, you acknowledged receipt of my dispute information. 4 ) I have contacted you AT LEAST 10 TIMES to follow up on this matter for next steps resolution. 5 ) You have provided NO status on the information provided in the dispute other than to say it is under " review '' 6 ) I have provided you with specific information on actions I have taken- including results of discussion with my State Attorney General and the bank credit card - both of which have indicated this should not longer be an issue for me ( in fact bank has issued permanent credit ) 7 ) I have shared with you my initial consultation with an attorney which indicates you are likely attempting to collect an invalid debt 8 ) You have asked me to provide " screenshot '' information - but when I asked you what screenshot / information you wanted you have provided no response 9 ) You have asked me to call you- but when I ask the nature of the call you have provided no explanation or response 10 ) I have asked you for resolution / next steps by a certain date- but you have not responded ( below ) 11 ) You have provided no follow up to the e-mail I sent below 12 ) You stated that you stopped collections activities when I submitted the dispute, which is factually not true as I pointed out to you that you still sent me text messages indicating attempt to collect a debt 13 ) Your client - XXXX - continues to send me product offerings and solicitations despite having turned me over for collections 14 ) I continue to have the merchandise associated with this transaction ( unboxed, as shipped ) and am willing to return it to the merchant - as I have stated numerous times. AS A RESULT OF YOUR INACTION, I HAVE FILED A COMPLAINT AGAINST TRUEACCORD WITH THE CONSUMER FINANCIAL PROTECTION BUREAU AS OF TODAY. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : You keep asking for a call - but you keep ignoring my question. WHAT DO YOU WANT TO DISCUSS? Your behavior and responses are why I want to have as much of this discussion in writing- to be as specific as possible in all communications. Your process has not been consistent, responsive, well defined. I have asked for timelines, for you to follow up on requests, for status on my dispute, etc. Additionally, your client XXXX, continues to solicit me for new products and offers. I AM NOT GOING TO CALL YOU UNTIL YOU PROVIDE SOME OUTLINE OF WHAT YOU WANT TO DISCUSS. ADDITIONALLY YOUR LACK OF RESPONSE, PROCESS DEFINITION, TIMELINE IS ( UNFORTUNATELY ) INCREASING THE LIKELIHOOD THAT I WILL NEED TO SOLVE THIS WITH LITIGATION - A STEP I DO NOT WANT TO HAVE TO TAKE. IF I DO HAVE TO TAKE THAT STEP, I WILL SEEK AS MUCH REMEDIATION- INCLUDING DAMAGES FOR TIME AND WHAT I PERCEIVE TO BE CONSUMER HARASSMENT - FROM ALL PARTIES INVOLVED. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX wrote : # # - Please type your reply above this line - # # Your request ( XXXX ) has been updated. To add additional comments, reply to this email. The following are CC 'd to this email XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you for replying to our email. Due to the nature of your request, we would like to speak with you directly in order to clarify your needs and better assist you. Please contact us at XXXX. Our office is open Monday through Friday XXXX XXXX XXXX XXXX XXXX XXXX. Please let me know if you have any questions. I'm here to help. Sincerely, XXXX XXXX XXXX XXXX I TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. We are required under state and/or federal law ( s ) to notify consumers of certain rights. This does not include a complete list of rights you may have under state or federal laws or regulations. Federal Law or other state laws may also provide you with similar or even greater rights. Nothing on this page changes any of the rights we have previously explained to you. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Phone : ( XXXX ) XXXX or ( XXXX ) XXXX. XXXX XXXX XXXX This collection agency is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord Corp is licensed to operate under permit number XXXX TrueAccord Corp is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : support@trueaccord.com or call us toll free at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a follow-up to your previous request # XXXX " PLEASE READ CLOSE LOOP ON ... '' Your absence of a response including to your own statements and questions is a pattern and a theme. This is a primary reason that I want communications to be in writing. I will simply state that there are several questions posed to you in some cases based on statements or points you have put forward. Remind you of requested resolution date. Your absence of resolution will drive my next steps, which may include legal action against involved parties. On Thu, XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX XXXX XXXX wrote : I am confused by the comment you are saying that XXXX needs to verify the debt? I have been turned over to a collections process for a debt that has not been verified? Please advise that is the nature of your comment. You also did not outline what you wanted to discuss so I will wait for that before determining if a discussion would be productive This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
05/18/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 78723	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern: I entered an agreement for debt collection with True Accord on XX/XX/XXXX to pay my debt owed to XXXX XXXX XXXX . I agreed to a discounted, two-payment option, to be withdrawn from my bank account on XX/XX/XXXX and XX/XX/XXXX . The agreement, for approximately XXXX per payment, did note I could pay off the debt early, if I chose to do so. (Email attached.) I was eager to improve my credit. I attempted to make a second payment to close the account on XX/XX/XXXX . Instead of charging me the agreed-to second payment, True Accord debited my bank account for XXXX , which is what was due if I had made a one-payment arrangement. I wont even get into the fact this could be a piece of failed computer code that could affect hundreds of True Accord customers, apart from myself. And that it would be in True Accords own interest to fix such a potential problem for other customers. True Accord has no weekend support. Nor any sufficient online complaint process. I immediately called on Monday morning to inform True Accord of its mistake, asking if I could take the one-payment term because the amount withdrawn on XX/XX/XXXX was equal to a one-payment agreement. And, of course, because the amount withdrawn had resulted in three XXXX overdrafts and a returned XXXX p ayment to a separate credit card account. On the positive side, the account was cleared with XXXX that day. That led to my credit score going up XXXX points, day over day, due to clearing my XXXX XXXX debt. True Accord refused to treat the XXXX d ebit as a one-time payment and refund t he XXXX payment I made on XX/XX/XXXX . True Accord offered a XXXX r efund, which I agreed to accept because I had no other option. I told True Accord I would report them to the local BBB for their failure to provide proper computer coding to make correct debits. The XXXX w as refunded to my account two days later. What I did discover, however, is that True Accord had reported my payment to XXXX , but then that credit dropped off my report the following day, after I threatened to complain. Whether this rescinded credit was due to my threat to make a BBB report is unconfirmed, but it has resulted in my credit being docked XXXX points. I think refusing to adjustment payments despite its mistake makes True Accord jerks . But rescinding a credit report correction, if it occurred, is unethical and unconscionable. I would like to be made financially whole for the mistake made by True Accord. I am reporting this to all relevant agencies: OCCC and AG in Texas, the Consumer Finance Protection Bureau, plus XXXX XXXX , True Accord and the BBB in XXXX XXXX , plus XXXX , XXXX and XXXX and my bank. True Accord agreement: TrueAccord Support Unsubscribe XX/XX/XXXX (12 days ago) to me Congratulations! Your payment plan is now set up. This is an important message for XXXX XXXX . If you are not them, please disregard and delete it. Congratulations! Your payment plan is now set up. We're happy to work with you. Here's your plan summary: Your total to be paid is XXXX , after a reduced amount of XXXX . Installment breakdown: # Date Amount Status 1 XX/XX/XXXX $ XXXX Paid 2 XX/XX/XXXX $ XXXX Remember: your XXXX off o nly applies if you don't fall off the plan. TrueAccord Terms & Conditions Important Notice: You may change or cancel each deferred payment up to 3 days before the payment is due. Would you rather manage your plan through your TrueAccord account? Click here to access it. Copyright XX/XX/XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX Your account number is: XXXX Click here for more information about your balance UnsubscribePrivacy Policy Log in to your account THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You can view your XXXX Privacy Rights by clicking here. The last payment on this account was on XX/XX/XXXX . The account went into default on XX/XX/XXXX . It was charged-off on XX/XX/XXXX . Please be advised that XXXX XXXX XXXX the Current Creditor-Debt Purchaser, has purchased the account referenced above. The breakdown of the balance is as fo llows: XXXX in princi pal at time of purchase, which may include interest and fee s; XXXX in fees since purchase; an d XXXX in interest since purchase. XXXX XXXX XXXX account number ending in: XXXX XXXX , thanks for your payment! This is an important message for XXXX XXXX . If you are not them, please disregard and delete it. Thank you for your payment, XXXX We have processed your scheduled payment. No action is required at this time. XXXX , thanks again for signing up for a TrueAccord payment plan. Your plan includes automated recurring billing for your convenience. On XX/XX/XXXX , we processed your scheduled pay ment of XXXX . Yo u paid with a XXXX with last four digits XXXX and expiration date XX/XX/XXXX . You're all set! If you'd like to view your account, click here. Or read about your TrueAccord payment plans Terms & Conditions. Leave Feedback Your plan # Date Amount Status 1 XX/XX/XXXX $ XXXX Paid 2 XX/XX/XXXX $ XXXX Paid Copyright XX/XX/XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX Your account number is: XXXX Click here for more information about your balance UnsubscribePrivacy Policy Log in to your account THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THAT PURPOSE. You can view your Gramm-Leach-Bliley Privacy Rights by clicking here. The last payment on this account was on XX/XX/XXXX . The account went into default on XX/XX/XXXX . It was charged-off on XX/XX/XXXX . Please be advised that XXXX XXXX XXXX the Current Creditor-Debt Purchaser, has purchased the account referenced above. The breakdown of the balance is as follows : XXXX in principal at time of purchase, which may include interest and fees; XXXX in fees since purchase; and XXXX in interest since purchase. XXXX XXXX XXXX account number ending in: XX/XX/XXXX
06/12/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 23059	Web
Collection Company : TrueAccord Phone : ( XXXX ) XXXX Address : TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX & TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint : I am requesting a formal escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of TrueAccord, its executive management team, in house collection team. Currently I am being harassed by TrueAccord regarding a debt they currently hold under my SSN despite repeated complaints and requests for them to blacklist my SSN and stop contacting me. Each of my creditors, on every account that is going unpaid due to my inability to pay approximately {$480000.00} dollars in debts to various creditors and the IRS. Each creditor was notified in writing that I will be filing for bankruptcy as soon as I have enough money to secure an affordable attorney and cover my filing fees. For each company I submitted and verified that they received my request for a cease and desist for no contact - with additional directions to require them to mark the account in a manner that if the debt was outsourced for collection that they would see the account notated for no contact as well. TrueAccord has willfully engaged in a complete disregard for my request despite them receiving a SECONDARY cease and desist request with notice of intent to file bankruptcy delivered to : XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX & TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX And previously submitted online and confirmed by their compliance department that my information would be marked for no contact. They list out on their website this practice of using fictitious names/fictitious online personas called automated staff on their website and my inbox is battered aggressively with emails using scare tactics intimidation language from these fake virtual accounts ( that are not disclosed as not being from a real person within the email ) ; even after I demanded that they cease any communications with me on any accounts tied to my SSN. I have well over 50 emails with each occurrence separately violating all of my requests for no contact. https : //www.trueaccord.comXXXX How We Talk to Our Customers At TrueAccord we talk to our customers in a variety of ways, including emails, letters and calls. To assist our team in reaching our customers efficiently and consistently, we sometimes use automation software to schedule and send messages with virtual sender names. These messages have all been written and reviewed by a TrueAccord team member and sent automatically by our software. These virtual sender names are grouped and referred to as our Automated Staff. Since we believe transparency increases trust and provides a better customer experience, were publishing this directory of our automated staff names. TrueAccord Automated Staff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With special appearances by : XXXX XXXX XXXX XXXX. Their company consistently operates outside of federal protections regarding debt collection and following their unsuccessful attempts to XXXX and harass me into paying a debt that I can not pay they have begun their persistent aggravated attempts to collect on a debt they hold for a XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. ( Both are companies who were provided with cease and desist orders and notice of intent to file bankruptcy along with directions to forward those notices to any of their collection agencies and debt buyers. - All companies involved have received my requests but are refusing to follow any consumer laws in place. ) TrueAccord is further advised for immediate notice in this escalation complaint addressed to the CFPB and FTC to cease and desist any and all communications with me, my employers ( past, present, future ) and to refrain from harassment, intimidation, and contact of my relatives/roommates/associates. As well as to black list my social security number and bar any accounts past, present, or future from any kind of contact. TrueAccord has already received the separate notice advising that I am having to file a bankruptcy and Im getting together my filing fees. I dont have the funds at this time and although there are several legal firms who have offered to take up my harassment case against TrueAccord in a class action claim at no cost upfront ; my bankruptcy filing is a different issue it takes time to get together the funding for that with my family providing assistance when they can. There is no confusion regarding my clear communication to TrueAccord. In order to fraudulently obtain a default court judgement in their favor, they are consciously falsifying their contact records and will deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. Through continued talks with a legal advocate attorney who is handling other complaints against TrueAccord, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence ; and their intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests for no contact along with an additional refusal even after receiving notice of my intent to file bankruptcy. This notice of complaint to be filed with the CFPB and FTC as well as the Virginia State Attorney Generals office serves as notice of my grievances with this collection company.
07/26/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PA 18702	Web
In XX/XX/XXXX, I received a few emails from a company called TrueAccord, XXXX had automatically filtered the messages as spam and thus I had not seen them until I was cleaning my email out while recovering from XXXX the month prior. I was able to recover 2 of the emails the first was from XXXX XXXX on XX/XX/XXXX and the 2nd email was on XX/XX/XXXX from XXXX XXXX. Upon opening one of the messages I realized it was a debt collection company citing they work with another company called XXXX XXXX attempting to contact me about an account from XXXX. As I know it can be very dangerous to a person 's credit report to respond to these communications, I did not respond to any of these emails as I did not want it to be assumed I was claiming ownership of the debt. I instead scrolled to the bottom to unsubscribe from all future communications. At the bottom of the communication, I noticed an extremely vague message regarding the " use of your information '' and decided to review the privacy policy as well as unsubscribe. The privacy policy indicates that basically all of your data will be tracked and collected in a database, I have downloaded a copy of the privacy policy as it is currently for the explicit purpose of filing these complaints. I feel that a debt collection company should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, browser type and language, Internet service provider, type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), uniform resource locator ( URL ) information ( showing where you came from or where you go to next ), email open rates, credit card, or bank account information '' - simply by opening an email. Furthermore, they should not be allowed to or currently be tracking without explicit and clear consent and warning that a person 's " IP address, location of use, browser type and language, Internet service provider ( ISP ), type of computer, operating system, date/time stamp, user interface interaction data ( such as, but not limited to, any mouse clicks or navigation on our emails and Web Applications ), or uniform resource locator ( URL ) information ( showing where you came from or where you go to next ) '' just by visiting their website ( especially when they are in my case attempting to request communication to be discontinued and/or reading their privacy policy ). This much information should not be allowed to be collected without first clearly notifying a person and giving them the option to decline this information from being tracked beforehand. The only reason I went proceeded to read the full privacy policy is because I took a business law class and therefore have a small bit of knowledge about the shady tactics used by companies to attempt to obfuscate information from consumers and/or dance on the borders of the legal system. This is not information that the average person possesses and the reason it should not be legal. The 2nd email was apparently triggered because I failed to complete all of the steps to unsubscribe from email communications which I then completed on XX/XX/XXXX. Additionally, the emails themselves bait a consumer into going to the debt collectors website by not including all of the account information in the email communication itself and only offering links to their website listed as " View My Options '' or " Dispute '' - so you are forced to visit their website where they will steal any and all possible information they possibly can from your device in order to obtain more information about whatever account they list. Also, the account number at the bottom of both emails from TrueAccord is different from the account number listed for XXXX XXXX and XXXX XXXX XXXX ; which can also cause confusion on the consumer 's part when there are 3 debt collection companies all working together simultaneously to collect 1 debt that is also past the statute of limitations. As a result of all of this later that day I decided that I needed to draft a formal cease and desist letter which was sent on or about XX/XX/XXXX and I have retained signed copies for myself I sent one to TrueAccord and one to XXXX XXXX. Today XX/XX/XXXX I have now received 2 letters in the mail, now a 3rd company called XXXX XXXX XXXX also claiming to work with XXXX XXXX attempting to collect the same XXXXyear-old ; according to their letter soon to be XXXX year old debt as of XXXX of this year. The letters allege an inquiry was submitted about this debt which is the exact opposite of what I have been asking. I am starting to feel that I will now be harassed by XXXX XXXX via the use of other companies under their umbrella which whom I have not individually written cease and desist letters because I do not know who they all are. The only communication I should have received is confirmation of the cease and desist request which should cover all partner companies. The cease and desist letters which have also been included show that I did not request any information regarding the alleged debt either. I simply want to have all forms of physical, electronic, and telephone communication with myself, friends, family, and employers stopped.
06/08/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK XXXXX	Web
In XXXX of XXXX, I began receiving unsolicited text messages from the phone number XXXX that read : This is TrueAccord, a debt collector. Your account has been placed with us. View your account summary XXXX XXXX XXXX XXXXXXXX. Reply STOP to opt out of SMS. I received these text messages every two days. The message and link would change slightly with every text. They all started out the same with : This is TrueAccord, a debt collector. And they all ended with : Reply STOP to opt out of SMS. The variations are noted below : Click to learn more about payment options : XXXX XXXX XXXX We have an opportunity to work with you! View your options : XXXX : XXXX Your account summary is available online. View it now : XXXX : XXXX Your late balance was placed with us. Visit XXXX : XXXX Great news! You have a 50 % deduction available on this account : XXXX : XXXX You can save {$310.00} by accepting our offer : XXXX : XXXX Want to save 50 % on this account? See your payment offer : XXXX : XXXX XXXX, you have some unfinished business. Work with us : XXXX : XXXX Guess what? Were offering a discount on this plan : XXXX XXXX XXXX Need flexibility? Try customizing your own plan : XXXX : XXXX. You can resolve this account at a discount! View offer : XXXX : XXXX. These look exactly like the type of text messages and links that are termed as phishing by Cyber Security professionals and are usually deemed unsafe to follow. Despite the fact that after each of these text messages I replied with the word STOP, I continued to receive text messages every other day. This last one was received at XXXX on Friday XXXX. Instead of replying STOP to this last one, I sent the reply : These text messages do not meet the requirements of the Fair Debt Collection Practices Act and I dispute any claim that they make regarding a debt owed by me to this or any other company. I do not now, nor have I ever in the past, done any business or owed any money to any company by the name TrueAccord. After sending this reply, the texts stopped coming in. The company began sending me email every other day, beginning on XXXX. These emails state that TrueAccord is a debt collector attempting to collect a debt owed to XXXX XXXX XXXX, in the amount of {$620.00} US. Again, this communication does not contain all required statements and requirements as provided by the Fair Debt Collection Practices Act. The emails were sent from the account named XXXX XXXX. Email address XXXX. On XXXX, I sent regular mail to the company XXXX XXXX XXXX at both the addresses I was able to find online. One for disputes ; XXXX XXXX XXXX, XXXX, SC XXXX ; and one for their Compliance Department : Compliance Department XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. This mail that I sent was a hard copy dispute of any debt I owed to XXXX XXXX and a request to produce validation documentation and proof of such debt. Both were received and signed for on XXXX. Also on XXXX, XXXX XXXX XXXX made a negative report on my account with XXXX XXXX XXXX. Although I have not checked, It is not out of the realm of possibility that the company did this with all four credit bureaus. This timing hardly seems coincidental. I continued to receive emails from XXXX XXXX at TrueAccord every other day until I responded to one on XXXX again disputing the claims of debt owed and requesting validation documentation. On XXXX I received an email from XXXX XXXX ( TrueAccord ), email address : XXXX Stating that the account owner, XXXX XXXX XXXX, has been notified of the dispute and an investigation is ongoing. Even though I have never had any correspondence whatsoever from XXXX XXXX XXXX regarding a debt owed, they have placed a negative report with at least one credit bureau ; presumably all four. This negative report was created after the company was aware of my dispute by hard copy letter. After being informed of this dispute by both myself and TrueAcord, the company XXXX XXXX has not updated its reports to the credit buraus to indicate that the debt is disputed. This does permanent harm to my credit rating and so limits me in various ways. It appears that there are currently two companies claiming to service this one debt. It has been over thirty days ( 30 ) since my dispute was received and signed for by a representative of XXXX XXXX XXXX, yet I have received no contact from them what-so-ever ; not even an acknowledgement of the dispute. It has been over thirty ( 30 ) days since acknowledgement of my dispute by TrueAccord, yet I have received no further information regarding its validity from them. I reiterate that no debt was ever owed. The claim that I owe {$620.00} US is fraudulent and has always been so.
08/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web	Servicemember
TrueAccord, Corp. Response XXXX XXXX XXXX # XXXX XXXX, KS XXXX I have previously sent you a request to validate the debt under the Fair Debt Collection Practices Act. On XX/XX/XXXX, l received a response to my CFPB complaint against the agency in which they has admitted that on XX/XX/XXXX, XXXX, XXXX received the Consumer Financial Protection Bureau. They also admit they don't own the account in question however, they still are attempting to collect on this allegded debt that belongs to someone else. They also admitted that on XX/XX/XXXX, they are attempt to collect on an alleged debt they don't own while providing an option to unsubscribe. Also they have not provided a contract with my signature. The agency has not provided valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Also the agency has not provided a reponse that this debt is within the statute of limitations applicable to it or when they think the statute of limitations expires for this debt, and how they determined that. They also have not provided details about their authority to collect this debt. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX
01/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21045	Web	Servicemember
This complaint is against TrueAccord. It is related to the complaint filed against XXXX ( CFPB Complaint # XXXX ), wherein XXXX denied any responsibility and directed me to address TrueAccord directly. As stated in my complaint against XXXX : " I took out a small loan from XXXX for two airline tickets ( Loan XXXX ) via XXXX in XX/XX/2022. These flights were cancelled, due to extenuating circumstances explained to the airline. The airline initially provided future flight credits. Then, after extended phone conversations, the airline issued a refund. This refund has not been processed by XXXX, despite that I have made extensive good faith contact with them regarding the issue : they were notified by email and phone, I provided appropriate documentation, and I communicated through their " where is my refund '' customer service tool. They have not provided a cancellation of this loan, to date. I filed an internal dispute with XXXX, which has produced no results. Now, many months after the flights were cancelled and the purchase was refunded by the airline, XXXX continues to pretend as if this is a valid loan, demand payment on the loan ( which I have refused to do, as I do not owe any monies ), and threaten me with reputation, legal, credit, and/or service consequences for my failure to pay on a loan that should not even exist. XXXX has not only been harassing and threatening me, they have also provided false and fraudulent information to credit reporting agencies. Since that reporting, they have " charged off '' the loan and sent it to collections via TrueAccord. I questioned the validity of the collections and offered XXXX to simply end this mess, so long as any negative credit reporting or collections information was removed from my credit report. TrueAccord stated that they can not negotiate and that I would have to speak with XXXX. XXXX stated that they are no longer responsible for the loan and that I would have to speak with XXXX. Many months ago, I filed a complaint with XXXX, and XXXX continued to do nothing, placing the burden on me to extract information out of XXXX. After the failure with XXXX, I filed a complaint with the State of Maryland Office of the Attorney General. This Office was not particularly helpful or interested, as they chose to accept XXXX 's statements as fact and question the validity of my own. However, XXXX agreed to rescind credit reporting consequences as part of the process and freeze any negative processes on this loan. Merely days after this XXXX closed my complaint, XXXX " charged off '' the loan and sent it to collections. XXXX is doing all of this with full knowledge of my employment as a federal law enforcement officer, attempting to use bullying and coercive tactics to force me to pay monies I do not owe out of fear of consequences for my career. They have lied to me, they have lied to XXXX, and they have lied to the State of Maryland 's Office of the Attorney General. They have violated agreements made/stated to the State of Maryland 's Office of the Attorney General. XXXX has acted, entirely and wholly, in bad faith throughout this entire process. '' Having been directed by XXXX to contact TrueAccord, I did so. In keeping with my multiple prior attempts to make contact with TrueAccord, TrueAccord did not respond. I was offering to pay XXXX, if the loan is marked as fully paid ( not settled, charged off, etc. ). XXXX indicated that the balance due, and all issues related to it, are the responsibility of TrueAccord. TrueAccord, as a debt collector, is acting wholly in bad faith by failing to communicate with me. My first communication to TrueAccord occurred on XXXX XX/XX/2022. Since XXXX denies responsibility for the loan, and TrueAccord is refusing to act in accordance with the requirements set forth in the FCRA ( and elsewhere ), I am hereby demanding that any debt I allegedly owe be wholly negated ( not settled, charged off, etc. ) due to the blatant negligence of TrueAccord and their regular and repeated violations of the FCRA ( and other applicable laws and regulations ). I am further demanding that any negative reporting to any bureaus/agencies ( credit, consumer, etc. ) be wholly and forever rescinded. Neither my credit history/report/reputation nor my financial situation is a game. I am tired of being toyed with, bounced between two corporate entities who have no regard for good faith actions or the law.
09/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	DE 19805	Web
XXXX XXXX XXXX, XXXX XXXX XXXX, KSXXXX XX/XX/2022 Dear TRUE ACCORD Re : This is not a regular dispute. Take action immediately you are in violation. As I have not heard back from you in over 15 days regarding my notice of dispute dated XX/XX/2022, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact Exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in the state of Delaware. 5. Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. for the accounts listed below Account Number Amount XXXX, XXXX { You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statements, election, or waiver of status. I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank you for your time, XXXX XXXX
07/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web	Servicemember
XXXX XXXX XXXX Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX On XX/XX/2020 at approximately XXXX l received an email from a collection, with original creditor being XXXX XXXX whol am disputing and requesting for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to please supply the information below so that I can be fully informed : At this time, it appears that I have absolutely no idea about this alleged account and have filed a fraud alert with XXXX In the meantime until this is resolved, please explain why you think I owe the debt and to whom I owe it, including : If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of ea ch added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage and to verify that this is not fraud, in the meantime please treat this debt as being in dispute and under discussion between us. Thanks for your cooperation XXXX XXXX
08/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	HI 96793	Web
A collections company, True Accord emailed me out of the blue ( no phone calls ) to tell me i owe XXXX XXXX aka XXXX aka XXXX XXXX a debt. This is not true, I even went to XXXX to print my 3 annual free reports and NOWHERE on there is this mentioned. I had an account closed several years ago as it was charged off, nothing from XXXX XXXX, XXXX, Or XXXX XXXX shows up on any of my credit reports and now they are asking me to work out a payment plan?!! Um, NO. This debt is not valid and i emailed them back to tell them that, interestingly enough at the bottom of their email is this statement, " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. '' so why are they trying to come after me now! Can they really come after me for a charge off that no longer shows on any of my credit reports? Also they say this '' The account went into default on XX/XX/XXXX. It was charged-off on XX/XX/XXXX. Please be advised that XXXX XXXX XXXX the Current Creditor-Debt Purchaser, has purchased the account referenced above.This is an important message for XXXX XXXX. If you are not this person, please disregard and delete it. '' Below is the entire email i received from them. Dear Omitted per consumerfinance.gov, I'm writing about your account with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX XXXX ( XXXX XXXX Consumer ) account ). You have an overdue balance of {$1000.00} which has been sent to us for collection. You're not alone. Overdue debt is a common problem for a lot of people, but we can help you put it behind you. Click here to view your payment options. You can always reply to this email with any questions. Here are the details : TrueAccord Account Number : Omitted per Consumerfinance.gov Current creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance due : {$1000.00} XXXX XXXX XXXX account ending in : omitted per consumerfinance.gov Original creditor account ending in : omitted per consumerfinance.gov Regards, XXXX XXXX XXXX Automated Customer Engagement Team Member TrueAccord p : ( XXXX ) XXXX Account Number : omitted per consumerfinance.gov Your outstanding balance owed to XXXX XXXX XXXX is : {$1000.00}. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us in writing within 30 days from receiving this notice that you dispute all or any portion of this debt, we will obtain verification of the debt or obtain a copy of a judgment and send you a copy of such verification or judgment. You may also request in writing within 30 days of receiving this notice that we provide you with the name and address of the original creditor, if different from the current creditor. Copyright XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not ready to pay? Get help managing your debt. Unsubscribe Dispute this debt Privacy Policy The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. This was originally an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), account number ending in omitted You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/resurgent_glb The account went into default on XX/XX/XXXX. It was charged-off on XX/XX/XXXX. Please be advised that XXXX XXXX XXXX the Current Creditor-Debt Purchaser, has purchased the account referenced above. XXXX XXXX XXXX account number ending in :.
03/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07030	Web
I HAVE RE-CONTACTED TRUE ACCORD CERTIFIED MAIL, USPS TRACKING # XXXX XXXX XXXX XXXX XXXX. THIS LETTER WAS SENT OUT WITH ANOTHER FEDERAL TRADE COMMISSION COMPLAINT FOR TRUE ACCORD 'S FAILURE to respond back in writing to the dispute letter sent to them on XX/XX/2021 ; that was signed and received by True Accord on XX/XX/2021 at XXXX XXXX. I have re-contacted the Federal Trade Commission and I have advised the FTC that True Accord failed to respond back to me within applicable time frame required by law of the FTC and FDCPA. However, I have also advised True Accord 's to respond to me or contact me after their response to CFPB on CFPB File # XXXX. Furthermore, the FTC file numbers against True Accord are XXXX & XXXX. True Accord has conducted the following violations : Failed to respond back to my dispute letter signed & received on XX/XX/2021 USPS tracking # XXXX XXXX XXXX XXXX XXXX Failed to respond back to me as you advised CFPB back in XX/XX/2021 Failed to advise CFPB of your failures to ever contact me in writing advising that XXXX re-sold the disputed account to True Accord. Failed to advise CFPB that you were illegally emailing me for payments after XXXX illegally re-sold you the exact same disputed account that I was sending XXXX Certified dispute letters for. Illegal and deceptive collection tactics by emailing me for payments while failing to ever contact me in writing with the right to dispute notice. True Accord failed to contact me in writing with any notices, letters, or notifications. I would have never knew about True Accord if I did not check my emails. While still failing to respond back to my Certified dispute letter received on XX/XX/2021, True Accord advised CFPB that they are XXXX Credited. This means that True Accord is implying that the XXXX supports TRUE ACCORD and backs up businesses like True Accord in their lack of knowledge of the laws of the FTC and FDPA. In addition, I have requested that the Federal Trade Commission educate your company, True Accord, on the laws of the FTC and FDCPA. While your company violated all laws with me in an effort to go unnoticed during Covid ; your company then advised CFPB that you are XXXX accredited. How is it that you are XXXX accredited, yet you continue to violate the laws of the FTC and FDCPA? How is that you are XXXX accredited and you do not know to respond back to dispute letters received CERTIFIED within 5 days of receipt? How is it that you are XXXX accredited and you were illegally emailing me when I never knew who your company was. I never provided True Accord with my email information, or consent to email me. For True Accord to boast to CFPB that you are XXXX accredited in your statement to CFPB after you keep violating my consumer rights implies that either the XXXX supports establishments that are ignorant to the laws of the FTC and FDCPA, or that XXXX lacks knowledge of the FTC laws just like True Accord does. Either way, True Accord has now brought the XXXX into their statement of stupidity as if they hold some special title with the XXXX when committing FTC violations. Furthermore, this exact same account should never been re-sold to True Accord as it was illegally done by XXXX. True Accord should have never been contacting me by email only after XXXX illegally sold the disputed account with them to True Accord. Again, for the record, True Accord no longer possesses the rights or legal authority to update or continue to list their name, address, account number or phone number on my credit reports. And no matter how many disputes True Accord ignores and then provides the CFPB with a false follow up statement as if you have reached out to me when you have not ; I will continue to contact the Federal Trade Commission and file unlimited complaints regarding your companies deceptive practices. This was done illegally. Therefore, I will not continue to tolerate this!
07/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
12/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33908	Web
I had an XXXX loan with XXXX , XXXX that was charged off in the amount of {$66.00} because because my payment that was due on XX/XX/XXXXXXXX went delinquent for over 120 days. XXXX then referred my loan to a third-party collections partner, TrueAccord. I initially opened a Credit Reporting Dispute case with XXXX , XXXX on XX/XX/XXXX, XXXX XXXX EST. On XX/XX/XXXX, XXXX XXXX I had not received any messages from XXXX, XXXX regarding the case so I sent a message with phone screenshots showing that my account with TrueAccord had been resolved. I still received no response from XXXX , XXXX and sent them another message on XX/XX/XXXX, XXXX XXXX asking if they were still investigating the issue because it had been 12 days since my last message. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX finally responded that my payment fell outside the reporting time period covered when they last provided information to the credit reporting agency. During that time, on XX/XX/XXXX, I contacted TrueAccord to obtain a Loan Verification Letter that said that I resolved my balance of {$66.00} owed to XXXX , XXXX on XX/XX/XXXX. So on XX/XX/XXXX, XXXX XXXX I sent a response clarifying that my balance had been resolved and sent them TrueAccords Loan Verification letter. I received a response on XX/XX/XXXX, XXXX XXXX asking me to please contact their third party collections partner, TrueAccord, to update my account. On XX/XX/XXXX, XXXX XXXX I responded that I already had done so and had sent my Loan Verification letter already as an attachment and requested that XXXX, XXXX updates my account. As of XX/XX/XXXXXXXX that case is still " In progress. '' I contacted XXXX, XXXX after speaking with TrueAccord on XX/XX/XXXXXXXX XXXX XXXX EST which resulted in a second Credit Reporting Dispute case to be opened. I received a response from XXXX, XXXX on XX/XX/XXXX, XXXX XXXX saying I still owed {$26.00} to TrueAccord as a collections payment. They then sent me a Loan Verification Letter from XXXX , XXXX but for a different earlier loan that I had had previously with them. I responded on XX/XX/XXXX, XXXX XXXX that, once again, TrueAccord provided me with a Loan Verification letter saying my loan has been completely resolved. I sent XXXX, XXXX another copy of the letter and asked that they fix their records. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX responded that according to their records there's no payment yet showing on their system from the collection that I paid the {$26.00}. XXXX, XXXX then sent me a Loan Verification Letter detailing that I have a balance of {$26.00}. On XX/XX/XXXX, XXXX XXXX I acknowledged that they are unable to find the payment which is why I submit to them TrueAccords Loan Verification letter saying it is resolved. The case is also still " in progress. '' I also contacted XXXX to dispute the balance with XXXX , XXXX. on my credit report three times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I disputed the balance with XXXX, XXXX on my credit report and provided XXXX with the Loan Verification letter from TrueAccord. Despite providing the Loan Verification letter all three times, each time I received this response from XXXX : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. ''
02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 499XX	Web	Servicemember
I have received notification of a charge by a company named XXXX approximately 1 year ago ( XX/XX/XXXX ). I completed paperwork to explain that I was not aware of this alleged debt, I have contacted XXXX twice via telephone as well as a follow up email all approx XXXX XX/XX/XXXX. I completed a 3 page XXXX identity theft victims complaint and affidavit within the allotted timeframe on XX/XX/XXXX per email communication initiated by XXXX. I very clearly explained via telephone, email correspondence and the XX/XX/XXXX dispute with XXXX. I had not received follow up, I emailed a company which I believe is representing XXXX XX/XX/XXXX to re-iterate XXXX harassing behavior, all of my communications and my statement that this debt does not belong to me, was not purchased or authorized by me and occurred during a time frame of a very nasty divorce where my identity was compromised, my XXXX account hacked and I was dealing with several issues regarding unauthorized charges. I have attempted to contact the phone numbers for XXXX and True Accord who identified themselves as debt collection agents for XXXX. I received an email from True Accord on XX/XX/XXXX that stated weve confirmed your balance owed to XXXX, XXXX and provided 2 hyperlinks in this email for proof of this transaction. The company uploaded page 1 that states XXXX to XXXX, merchant noted as XXXX and the second page of proof from XXXX/true accord was a truth in lending disclosure of approx 11 pages that broke down payments and interest that I allegedly owe to True Accord. I disputed this charge in good faith as it is not a valid debt of mine and the email I received to support the validity of this debt was just pages of XXXX broken in to monthly payments. I have attempted to contact the company true accord for the past 2 weeks and the line either rings without answer or immediately routes to a busy signal and no ability to reach anyone to discuss this matter. Prior to this complaint, I emailed true accord and requested further communication, re-iterated my complaint, lack of any proper investigation and my multiple attempts to reach a representative at the telephone number listed of XXXX. I have no idea what this debt was charged for, whether a service or merchandise and no record of such transaction with my XXXX account. I am reaching out for assistance as I have been harassed for over 1 year now by these companies and yet not one person is able to provide proof of this debt being mine. I have made approx 45 phone calls, 10-15 emails and I do not get any response or months later I receive a harassing email. I very clearly explained to XXXX and True Accurd that I had a few incidents of identity theft during a very spiteful divorce where my personal information was comprimised and as soon as I was made aware, I have had no further unrecognized debts or transactions. I did not enter into any form of agreement with XXXX or its collection company true accord and can not get anyone to comply, listen or properly categorize this alleged debt. I am extremely upset as this company even shows my tarnished credit during my divorce process and I never authorized this to be pulled. Again, I did not incur this debt and these companies are harrassing me despite my request for a genuine investigation with proof of transaction, which they can not or will not furnish to me.
09/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23834	Web	Servicemember
On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that TRUE ACCORD had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$1400.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. TRUE ACCORD XXXX XXXX XXXX, XXXX, KS XXXX, ( XXXX ) XXXX
01/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43235	Web
I, XXXX XXXX, give authorization for True Accord to move forward with this complaint. THE COMPANY True Accord HAS EMAILED CORRESPONDENCE STATING I OWE THEM IN THE EMAIL AN ALLEGED WITH XXXX XXXX. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. The company, True Accord, purchased a debt from another company and I have no involvement or a contract with my signature with the company True Accord. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. Please remember no written consent is identity theft.
09/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07050	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XX/XX/2022 ) True Accord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( REF. ) : XXXX Account Ending In XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication. Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX XXXX NEVER! Did I give XXXX, such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}! I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. Attached is an invoice payable to my name. Kind Regards XXXX XXXX Without Prejudice, ALL Natural Inalienable Rights Reserved
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44060	Web
They're reporting information on my credit report that is already paid in full, I had a collection email because they sold my " debt '' which is not lawful in of itself but I would like a response to these laws in which I know they're violating. But moreover they can not be making any sort of legal determinations which they're, do they have a license to practice law and if they do that would be to my surprise because in all of my years of my life I've never once seen anyone have such a license., ... Below is an email I forwarded and CC 'd many parties of each company because they're colluding to try and get me to do something that I am not capable of doing because the matter is already prepaid. I don't wish to contract with anyone of you and you all are violating my XXXX given right to choose to accept or reject a contract, I don't pledge to the dead by XXXX XXXX XXXX XXXX XXXX mortgage is defined as XXXX XXXX XXXX. Death dissolves all things. XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. Applied to the case of the death of a party to an action. In XXXX it is XXXX ' meaning 'dead ' and XXXX ' meaning 'pledge ' ... ( Before the email body- is read let me also say how am I even able to " pay '' these people if all they ever do is deny/refuse my correspondences what if there was negotiable instruments or drafts paid through an endorsement that identifies a specific person or organization that the payer authorizes to receive money, they'd still never know because they refuse it. According to UCC 3-603 it's discharged so why are they still reporting false information? ) That address on file is not correct. According to the FCRA you must send me a written notice to a valid address on file within 5 days. I havent received any correspondence via15 USC Code 1692 g. I am also curious who you are Ive never heard of trueaccord. I have never signed a contract aforementioned so I never accepted any written contract with you seeing as I have unlimited right to contract and I say NO. So I reject your offer as all debts are prepaid and owed to the United States Treasury. I know Title 18 8 outlines that all debts are owed to the United States treasury, according to HJR 192 which means federal reserve notes. Title 31 3123 is the faith of the United States in all public debt. Title 31 3130 further illustrates the matter. Also refer to the Senate documents : No. 43 73rd Congress Congressional Record, XX/XX/1933 on HR 1491, pg.83 I do not wish to contract with you or consent to anything youre doing whatsoever I have never even seen or heard of XXXX. Especially since youre emailing me instead of giving me a written notice reporting on someones credit is already a violation of their rights. This is in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) ( C ) ( 1 ) ( 2 ) ( 3 ) ( d ) I have a right to know who my accuser is I dont know who XXXX is. Consider this matter closed. XXXX : XXXX XXXX XXXX All rights reserved. Without Prejudice
01/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33618	Web
On XXXX/XXXX/2016 I received the following series of emails from a company called TruAccord who was initially collecting on a debt for XXXX XXXX which is me but they later acknowledge my cease & desist request calling my XXXX ( my ex-husband ) and continued to try and collect from, this company has no idea who owns the debt is trying to collect from one of us but neither of us owe it : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX Unsubscribe XXXX XXXX ( 2 days ago ) to me This is an important message for XXXX XXXX. If you are not them, please disregard and delete it. XXXX XXXX XXXX XXXX ( owner of your XXXX XXXX balance ) feels like you 're taking advantage of them, and they 're kind of right. Let 's just take care of this balance now and be done with it. It 's not like we 're going to give up on this. Can you pay now? Thanks. '' I responded with a Cease & Desist order on XXXX/XXXX/2016 as follows : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Well let 's see if you can handle this! This is your official notice to cease & desist immediately. If you continue to harass me for money I do not owe, I will contact my attorney. DO NOT CONTACT ME VIA EMAIL, MAIL OR PHONE AGAIN! IF YOU DO, YOU WILL BE IN DIRECT VIOLATION OF FDCPA LAWS & I WILL SEE YOU IN COURT! THIS EMAIL REQUIRES YOU TO IMMEDIATELY CEASE & DESIST ALL CONTACT WITH XXXX XXXX! FAILURE TO COMPLY WILL RESULT IN A COMPLAINT BEING FILED WITH THE FTC. ALL EVIDENCE WILL BE SUBMITTED WITH THE COMPLAINT. IN ADDITION, CONTINUED CONTACT MAY ALSO RESULT IN A CIVIL LAWSUIT BEING AGAINST THE INDIVIDUAL COLLECTOR, YOUR COMPANY AND ANYONE INVOLVED IN YOUR ATTEMPTS TO COLLECT THIS FRAUDULENT DEBT. I hope I 'm making myself clear! Good day! '' TrueAccord then acknowledged my cease & desist request but replied to XXXX ( my ex-husband ) after stating this was my debt in the 1st email and continued to try and collect this debt from me in the email received below on XXXX/XXXX/2016 : " TrueAccord Support XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 5 hours ago ) to me Dear XXXX, We have processed your request and will no longer contact you. We can stop communicating with you about this debt, but you are in a debt collection process with XXXX and we are the collectors. We strive to do our best to help people in debt, and we can help you too. Getting us to stop communication does n't invalidate the debt. It does n't stop interest where applicable and it may affect your future financial standing. We retain the right to employ future collection efforts as needed, but we prefer working with you directly. Best Regards, XXXX XXXX. TrueAccord Engagement Team XXXX XXXX XXXX XXXX , CA XXXX Call us : XXXX Email us : XXXXXXXXXXXX Please note the important mandatory notices conveyed in our former communication. TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. ''
08/23/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21207	Web
Dear XXXX XXXX : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
06/17/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WA 98188	Web
Dear Sir / Madam I am coming through this complaint to express my indignation at the multiple harassments suffered by different parties, namely XXXX, XXXX XXXX XXXX, and most recently by TrueAccord. Last year towards the end with the help of a friend for the first I had access to my credit report. I noticed that there was an item that I did not know ( XXXX ). My friend helped me to contact XXXX in writing and a few weeks later, XXXX contact me saying they were unable to locate an account with the information that was provided. A few weeks later I started to receive unknown calls. So one day while I was working a lady called me to ask me for my social security to confirm my identity, I refused because it seemed strange to give my personal information to a stranger over the phone. The next day it was another guy and he is the one who will inform me that it was a debt collector agency and that he was acting on behalf of XXXX. I asked him kindly to actually check if I am the person he owes them the debt of {$1400.00}. He said he is looking for XXXX XXXX, I told him that I am not XXXX XXXX. I avoided giving him my personal information because obviously he was not sure of the information in his possession. It seemed like a scam, I told him to stop calling me until he was able to contact me with written evidence that the debt was mine. They persisted and the calls continued. Still with the help of my friend, I wanted to check my credit report and unfortunately XXXX XXXX XXXX appeared clearly in the collections section reporting inaccurate information and they seriously damaged my credit score. I contacted the credit bureau again for investigations and on XX/XX/XXXX, a month later, I received a notification that XXXX XXXX XXXX collection had been deleted. I am a truck driver and I do not have enough time to check all these credit and I am less informed. I understand some things with the help of friends. I contacted the credit bureau to get the deletion of the XXXX account by telling them that I am not responsible for this account, the credit bureau told me that if it weren't mine then it is a fraud? I told them that this account is not mine. A few weeks later XXXX contacted me saying the account was verified using an address, a phone number and then two different names XXXX XXXX and XXXX XXXX, names that have nothing to do with my legal name. I was surprised at the verification methods used! Recently, TrueAccord takes over with the same methods, the same practices and the same errors. It becomes embarrassing! - All seek XXXX XXXX ; - XXXX was unable to validate the debt ; - XXXX relies on address, telephone number as well as wrong names ; - TrueAccord does the same things. In this complaint I will enclose the two correspondences of XXXX. All of them have been in violation of the Fair Debt Collection Practices Act several times.
05/22/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC 296XX	Web
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. On XX/XX/2022, I received a phone call from a third party debt collection agency. The representative stated that this was an attempt to collect a debt on the behalf of the loan agency. I let the representative know that this account was in dispute, and that I was recording the conversation. The representative proceeded to hang up. I then sent a second letter of debt validation via certified mail on XX/XX/2022 requesting the same information from the third party debt collection company. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they say I owe them, and a completed corporate government employee questionnaire. In my letters for debt validation, I asked to be addressed only via mail in writing. The third party debt collection company completely ignored my request in my letter to not be contacted via email, phone, etc. Instead, I have received numerous emails from the third party collection company, which began on XX/XX/2022. The email sent to me on XX/XX/2022 stated that they had somehow finished processing my dispute, and that we have confirmed that you owe the ( alleged ) amount of {$680.00} '' with the original loan company. There was a link attached to this email that stated I could access my debt validation documentation here. The link took me to a screen that said We've verified that you owe this balance. The same page also stated that This concludes the dispute process.. There are 2 files on this screen, file 1 is very vague and only lists a principal amount, interest, fees, late charges, and a total balance. Nowhere on this screen does it indicate what this alleged debt is for, and to whom it is owed. Nowhere on this screen does it indicate that this debt belongs to me. This is not proof of VALIDATION of this alleged debt. The second file shows an alleged loan agreement, which does not satisfy my request for a TRUE BILL and validation of the alleged debt. The email sent to me on XX/XX/2022 states they are following up with the balance verification for my alleged account with the original loan company. I have received three more emails to the same effect, dated XX/XX/2022, XX/XX/2022, and most recently, XX/XX/2022. The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
09/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07050	Web
REF. ) : Account # XXXX YOU BROKE THE LAW & ARE IN VIOLATION OF THE FDCPA Pursuant to 15 usc 1692 c ( a ), you must have my direct consent and written instruction to contact me in connection of debt collection. NEVER! Did I give such consent or instruction. Also, Id like to make it explicitly clear that ALL debts are ALLEGED Pursuant to 15 usc 1692 ( a ) ( 5 ). Therefore, telling a Natural Person they owe anything is a direct violation of federal law according to the FDCPA! Also, NEVER was I provided with the 5 things that are REQUIRED under Federal Law in connection with collection of this alleged debt, Pursuant to 15 usc 1692 g ( a ) 1-5 after your initial communication. Id also like to point out the use of the term loan, this term is not defined anywhere under Federal Law! So why is True Accord using such terms? It is illegal and highly unethical to use terms that will mislead the consumer. I must understand every credit transaction & True Accord has yet to provide such clarity. Making any loan null and void According to True Accord they received my private personal identifying information from XXXX XXXX. NEVER! Did I give XXXX such authorization or written instruction to communicate to a third party my private information or be contacted by said third party Pursuant to 15 usc 1692 ( c ) ( a ). I have a right to privacy! Which both parties are in violation of those rights. Since I did not give True Accord my private identifying information directly, I will be treating this as Identity Theft which is illegal Pursuant to Federal Law! Pursuant to 15 usc 1692 ( j ) it is also a violation of the FDCPA to furnish certain deceptive forms to create the false impression anyone, but the creditor is participating in the collection of a debt. This is apparent when continuing to coerce me to make payment payable to TRUE ACCORD who I NEVER did business with nor whom was present for said alleged obligation. It is becoming abundantly clear of True Accords gross negligence in complying with Federal Law. All debt collectors must comply with the FDCPA and are liable for All violations pursuant 15 usc 1692 K! True Accord has violated my federally protected rights and are liable for said violations In the amount of {$5000.00}!. I expect a check be sent to the abovementioned name and address you have on file in the amount of {$5000.00} no later than 7 days after receiving these communications & all communications with me going forward shall cease and desist. The account you have in my name be deleted and any obligations be XXXX Out completely. If I do not receive my check & deletion of all alleged obligations. I will use every resource available to me to collect remedy not limited to Federal & State Court. Attached is an invoice payable to my name.
01/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48035	Web
TrueAccord has injured me personally infringed upon my privacy and violated my federally protected rights as a Consumer a Natural person flesh in blood these crooks bought an alleged debt from XXXX and then sent me letters stating I owe them the alleged debt furnishing false and deceptive forms that would make me the consumer think that I owe such alleged debt this is a violation of the Fair Debt Collection Practices Act and this is identity theft I intent to invoke my specified remedy which is the payment for all damages sustained which would be each violation of the FDCPA I have clear proof I've disputed the debt and it has not come back to me validated True Accord has violated the following laws in the FDCPA 1. 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 2.15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 3. 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 4.15 USC1692e ( 2 ) false representation the character, amount, or legal status of any debt ; 15 USC 1692k-Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I will be sending a invoice invoking mu specified remedy to try to resolve this matter out side of court and I have sent an affidavit of truth and facts incase I have to file suite The fifth maxim in Commercial Law is " AN UNREBUTTED AFFIDAVIT STANDS AS THE TRUTH IN COMMERCE ''. Claims are made. If they go unchallenged, they emerge as the truth in the matter. ( 6 ) And accordingly : " AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGEMENT IN COMMERCE ''. True accord has defaulted and will get the opportunity to cure by paying the invoice before I file suit
05/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34744	Web
Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as XXXX XXXX and XXXX XXXX XXXX, XXXX. I am writing you for assisting having XXXX XXXX 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an XXXX Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie XXXX XXXX trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing XXXX XXXX that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named TrueAccord. I have attached XXXX XXXX XXXX ', XXXX, TrueAccord 's, and XXXX XXXX 's contact information with this letter. I ask for your help addressing this matter with XXXX XXXX, XXXX XXXX XXXX, XXXX, and TrueAccord, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. I have read under FCRA, 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person. In addition, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alle ged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXXTrue Accord XXXX
04/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
Last year around this time, I entered a local used appliance store ( I believe the name of the store is XXXX XXXX in XXXX XXXX, Michigan ) to look at a washer and dryer after mine had broken down, on the vice of a repairman who came out to fix it. I explained to the gut that I needed a unit soon. he assured me he could get it delivered right away. During the sale, I was offered finance through a company called XXXX XXXX that would allow me to stretch payments. I agreed. Delivery was not made. My roommate contacted the store to see what was the problem, and was told they were behind. I then received a call from the delivery guy stating he'd been hurt. I then went in to the store and got a different story, that the truck had broke down, and was told the local mechanic working on it. I drove by that shop that they said was repairing it and the store 's truck was no where on the property. I felt like I was being deceived, or at the very least being given the " run around '' decided I could not wait any longer, and would just go buy a new unit from XXXX XXXX. I went into the store to tell them I wanted to cancel the sale and they said " okay ''. I noticed went I went back into the store that the washer and dryer was still on the sales floor. On the way out I felt like I wanted to leave on a good note, and wished the owner best of luck with his business. When I got home, the credit company told me they were not going to cancel the sale. I called the store back, and the owner told me that he did not like the tone of my " wishing him good luck '', and he was not going to cancel the sale that they were going to deliver it. Basically, he was forcing me to take delivery. I told him that I would not accept delivery. After that, XXXX XXXX has called me twice for payment, and both times I explained to them that I had not received any merchandise from this company, nor would I after the treatment I received. I felt it was mislead, harassed and intimidated, and that they ( XXXX ) were now harassing me as well for payment of merchandise I did not receive. Now, I'm received e-mails from True Accord, a debt collector, concerning this, and called them to explain what happened as well. Since this has gone to a debt collector now, I feel this is adversely affecting my credit, and that the store has committed fraud by billing XXXX XXXXXXXX for merchandise that I did not receive, and XXXX XXXX is in turn trying to get money from me through this debt collector. I would like any help I can get to stop this harassment that has gone on for over a year now. Thank you.
04/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78748	Web
I am submitting a complaint against XXXX XXXX XXXX for wrongfully attempting to collect debt for an item I never even received. I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a XXXX prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase. I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX. Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''. Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door. Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package. I waited a few days before reaching out to XXXX to resolve the issue. I was told that I could not receive a refund because the order marked delivered. I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery. I reached out several times to XXXX before reaching out to XXXX to dispute the charge. The XXXX transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX. I kept getting sent in circles by XXXX for months as we went back and forth regarding the issue via email. On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, XXXX kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''. Almost a month later I received an email on XX/XX/XXXX that XXXX has reported me to a collection agency for a purchase I did not receive. XXXX failed to notify me that they were sending me to collections for a purchase I did not receive. XXXX did not help me with this issue as I reached out multiple times for assistance.
04/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	NY XXXXX	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 True Accord, Corp. Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD ALREADY STOPPED BYXXXX XXXX XXXX Dear Sir/ Madam, I am, XXXX XXXX XXXX XXXX XXXX ) United States Citizen, disputing the above- referenced debt. Please verify this debt as required by the Fair Debt Collection practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX , verification requires all the following : * Proof of my agreement to pay the original creditor, * A copy of the final account statement issued by the original creditor, * A breakdown of the total amount due, showing principal, interest, and other charges ; and * For all other charges, the date of and basis for each charge. * I have been impacted by the Corona virus pandemic * CFPB proposed over the late fee amounts are illegal, XXXX XXXX XXXX is fair and comitative, Only late fee {$8.00} not {$41.00} I DISPUTE THIS DEBIT BECAUSE ( forwarded TWO PAGES LETTER during XX/XX/2022 to XXXX XXXX XXXX. ) Barrowed {$670.00} ( DOLLARS XXXX XXXX ONLY ) from XXXX XXXX XXXX before COVID-19 PANDEMIC and paid total {$1000.00} ( DOLLARS XXXX XXXX XXXX XXXX ONLY ). What you want more than that during PANDEMIC TIME?. Even Land Lords are not collecting Rents from Tenants during PANDEMIC. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you already reported it, please notify the credit reporting agencies that the debt is disputed and/or delate the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5- 77 ) require that you honor this request. Thank you. Sincerely, XXXX XXXX SIGNED XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU, 1700G STREET, NW, WASHINGTON D.C.-20552 XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS DURING XX/XX/2022 REPLIED TO SEND MORE INFORMATION, AS I WAS WITH MANY MEDICAL PROBLEMS AND XXXX XXXX CONDITIONS COULD NOT REPLIED
09/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38119	Web
Addendum : I have disputed the debt in writing through the XXXX XXXX XXXX XXXX and TrueAccord acknowledge the dispute through their response, as I have said in my dispute, the debt collector. ( i.e ) TrueAccord was instructed to contact the District Attorney 's Office and they have declined/refused. This is in correspondence legally and accordingly with the Fair Debt Collection Practices Act ( FDCPA ) the burden of proof in verifying the debt is the sole responsibility of TrueAccord and my attorney resolved this matter during the court proceedings for the identity theft. If TrueAccord seeks to continue the debt collection, I must receive verification from TrueAccord of the original owner of the debt in writing in less than ( 30days ) from the original owner of the ( debt ) including the following ( invoices, signature verification, services rendered, payment methods, proof of identity was presented. ) TrueAccord havs stated in their own admission correspondence to the XXXX of Greater XXXX XXXX they on XXXX and XXXX, ( True Accord ) do not own the account that was placed with them and they do not have the verfication orginial documents. Through Truce Accords own admission, they are refusing to verify the debt allegations through my city 's District Attorney 's Office Freedom of Information Act ( FOIA ) which states this debt is not mine due to stolen identity. TrueAccord is required by law to send the debt back to the original company which they state is XXXX XXXX XXXX XXXX. Collections who also is not the orgininal owner. My contact in Washington, DC did some reseach on my behalf and XXXX XXXX XXXX XXXX alleged orginal debit owner does not exsist. I asked True Accord twice to send me verfication that shows I was the consumer of the debit or take they could easly contact my local Distrcit Attorney 's office.by submittt a FOIA request. They refuse to comply and want me to submit proof becuse they are aware of my numerous compliants stating this debt was identitied as proven identy thief. True Accord was notified though their own correspondace with the XXXX of Greater XXXX XXXX to cease from pursuing and reporting this debt in accordance the Fair Debt Collection Practices Act ( FDCPA ), and from further contacting me. Further investigation has determined there is a lengthy history of several Federal, and National complaints of illegal practices from True Accord and XXXX XXXX XXXX XXXX..
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33147	Web
I'm submitting this complaint against XXXX and True Accord for practices that I believe infringe upon the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As per my agreement with XXXX, all disputes concerning my account were to be settled through arbitration. However, without my consent or any arbitration proceedings, XXXX transferred my loan to a collection agency, True Accord. In their response, they confessed that they no longer own the debt ; it was now held by a collection agency. I argue that this act is a breach of contract and infringes upon my rights as a consumer. Upon becoming aware of this issue, I reached out to XXXX and expressed my readiness to repay the debt directly to them. Despite my readiness to settle the debt, XXXX declined to retrieve the debt, which I believe was transferred unlawfully. Moreover, in the process of this transaction, XXXX revealed my personal information to True Accord without my consent. I maintain this is a violation of FCRA Section 604 ( a ) ( XXXX ) ( F ), which limits the distribution of consumer data without a legitimate business requirement. After acquiring my loan, True Accord has resorted to harassment to recover the purported debt. They have phoned me multiple times during my work hours and even reached out to my workplace directly. They also threatened to report the debt to credit bureaus if I didn't comply. To avoid further harassment and potential damage to my credit report, I felt compelled to pay True Accord. I posit that these actions contravene FDCPA Section 806 ( 5 ), which forbids causing a telephone to ring or engaging any person in telephone conversation repeatedly or incessantly with the intent to annoy, abuse, or harass any person at the dialed number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer concerning the collection of any debt at the consumer 's workplace ; and FDCPA Section 807 ( 5 ), which forbids the threat to carry out any action that can not legally be executed or that is not planned to be executed. In light of these concerns, I request the CFPB to probe into these issues and take suitable action to safeguard my consumer rights. I also urge that OppLoans expunge this account from my credit report immediately, as I believe it was unjustly sold and reported to the collection agency.
07/11/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	LA 70001	Web
As a federally protected consumer, I am highly disappointed and unsatisfied with TrueAccord. My name is XXXX XXXX and I am making this complaint against TrueAccord for violating a cease and desist notice received by their offices XX/XX/2022. I have no recollection of authorizing or giving TrueAccord any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with TrueAccord and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TrueAccord any right to collect on this alleged debt. I have also never received any documentation requesting validation from TrueAccord before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until TrueAccord can provide me with sufficient documentary evidence that I have any legal obligation to pay them. True Accord has advertised the sale of this alleged debt to coerce payment. I have abundant evidence of the use of abusive and unfair debt collection practices by True Accord ( EXHIBIT A, B, C ). This has led to an invasion and breach of my privacy. If this documentary evidence can not be produced and TrueAccord continues its collection efforts, I will file for arbitration and TrueAccord will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02895	Web
Emails dated XX/XX/XXXX and XX/XX/XXXX from TrueAccord Corp. stating that I owe them a debt for {$440.00} and asking for a Credit Card. The Alleged Original Creditor was XXXX XXXX XXXX, who previously charged off the alleged debt via XXXX with the IRS and reported it as income. XXXX XXXX XXXX bought my charged off debt for XXXX on the XXXX from the Original Creditor XXXX XXXX XXXX, and supposedly assigned the collection of the Charged Off Debt that was purchased for XXXX on the XXXX to TrueAccord Corp who is looking for the Original Amount of the Charged Off Debt in the Name of the Original Creditor XXXX XXXX XXXX. Whom I have mentioned previously CHARGED OFF THE DEBT with the IRS via XXXX forms!!!!!! I have no contract with TrueAccord Corp nor XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let it be known that it is a fact the Original Creditor XXXX XXXX XXXX has committed Securities fraud by selling notes of consumers via their Social Security Numbers via Irrevocable Assignments. Was this apart of the original service agreement with XXXX for XXXX XXXX XXXX. We all know the Note is the Application, which is Self Liquidating Paper with an XXXX Attached with a Blank Endorsement for Special Deposit. We the People Gave NO Such Consent to these hidden back door deals off the backs of our social SECURITY numbers. I also believe no such evidence Exists! I have taken the liberty to attach XXXX XXXX SEC Documents detailing assignment of Notes where the Tax ID or Social Security Number and Name and Address of the Assignee is listed. So now you as a third party interloper are now apart of the fracas.
05/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY 10035	Web
I tried contacting True Accord after receiving a letter in the mail in an attempt to collect a debt in which I sent an email as one of the methods indicated for the dispute in regards to dealing with a third-party app named XXXX not working on my behalf to deal with a fraudulent merchant that they sponsored on their website. The email was sent on XX/XX/XXXX, and they have yet to respond to my dispute nor acknowledge that they received my dispute. A week following I sent a follow-up email which they also have not responded to. The amount requested is {$760.00} which I deny and do not accept as a charge being that the merchant whom I purchased from was not as described and was not up to the company 's promise or standards. A quick background on the debt : I made a purchase in XXXX of XXXX and have dealt with negligence from the merchant from the very beginning. I have called and been strung along, emailed over and over, and even contacted XXXX, the third-party payment app to contact the merchant as well. XXXX denied after several attempts to handle the situation or contact the merchant after getting no response from them either. XXXX began to get very upset with me for contacting my original payment card used to dispute the charge due to fraud and mislabeling from the merchant on top of negligence and stopped offering to help me. After months of requesting a refund and offering to return the item for my funds to be returned, the company changed their refund policy online and I was not able to retrieve my funds due to this being a new term they added after my purchase and after my complaints. XXXX also has deleted my warnings and reviews from their online websites and social media accounts and only keeps positive reviews. I have reported the merchant to the XXXX and I was informing XXXX of this negligence and constant fraudulent behavior constantly and even requested that they would remove this merchant from their app as a form of punishment. Instead of helping me as a consumer, XXXX wanted to keep the merchant happy and was instead asking me to handle the situation on my own after months of no response and being at a standstill they have reported my debt to True Accord who are requesting for me to pay them the full amount before XX/XX/XXXX.
01/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
On XX/XX/XXXX I was notified that a debt from XXXX XXXX XXXX was transferred to a 3rd party source, TrueAccord on my behalf. I contacted TrueAccord on XX/XX/XXXX and spoke with an agent, XXXX ( Agent ID XXXX ) in which she confirmed all information and debt was being handled by TrueAccord. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from TrueAccord to myself immediately. I was informed that TrueAccord system would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that TrueAccord does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with TrueAccord website on behalf of XXXX XXXX XXXX. When I spoke with XXXX XXXX XXXX on Tuesday XX/XX/XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from TrueAccord nor XXXX XXXX XXXX in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX XXXX and am currently being stressed to the capacity due to this is the only delay we have because of XXXX XXXX XXXX and TrueAccord. This is bad business practice and immorally just wrong. I spoke with XXXX, Supervisor at XXXX XXXX XXXX and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to CFS the letter would have to state balance was cleared at XXXX prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at XXXX XXXX XXXX and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.
07/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60099	Web	Older American
In XXXX, I responded to an invitation from XXXX XXXX XXXX to open an account through XXXX XXXX. After completing, and being approved, I placed an order for approximately {$80.00}. After several weeks, I called inquiring about the order and was told it had been shipped. I subsequently received a billing statement from XXXX XXXX XXXX for the order. I again called and asked for them to track the order but did not receive any updated information. For a number of months, I continued to receive statements, which I would mail back with a message advising I had never received the order and requesting either : proof of delivery, replacement order or full refund credit to my account. The creditor never responded to my request. Instead, they placed the account for collection. When the collection agency contact me, I explained the situation and was informed they were closing their file. In XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX ) sold my charged-off account to XXXX XXXX XXXX, XXXX who posted the account to the credit bureaus as a new debt item and has proceeded to show it as a past due item each month. XXXX XXXX XXXX, XXXX subsequently assigned the account to a debt collection agency named TrueAccord. Upon learning this, I filed disputes with both XXXX and XXXX XXXX. In response, I received from TrueAccord a copy of XXXX XXXX XXXX 's credit card agreement and a XXXX XXXX XXXX statement dated XX/XX/XXXX totaling {$370.00} - with the increase from the original amount due resulting from a {$40.00} per month " late fee '' and a monthly interest rate of 21.74 %. TrueAccord has advised they can not do anything with the credit bureau information as they are only the collection agency. XXXX XXXX XXXX, XXXX has advised they do not report to the credit bureaus and I must contact XXXX XXXX to get this resolved/removed from my credit reports. XXXX XXXX has advised they charged-off the account and sold it to XXXX XXXX XXXX, XXXX so they will not work with me. So, I am stuck with a growing debt for merchandise I never received being listed on my credit bureau reports. I want this resolved and my credit reports corrected but the three entities involved just keep pointing fingers at each other as to who is responsible.
01/20/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30096	Web
Since on or about XX/XX/2021, I have been trying to get this issue resolved with the XXXX company. They are a financing company. I used them to finance a 65 ' TV that was purchased from XXXX ( Not in the store ). The tv was purchased in XXXX 2021. Unfortunately, I was in a major car wreck that almost took my life! Due to my recovery time and still attempting to recuperate from my car wreck, I was not able to unbox the tv until XXXX XXXXAt that time I discovered that the tv was broken! I called XXXX several days throughout the month and was repeatedly placed on hold for exuberant amounts of time 20 minutes and longer. At the same time, usually on the same day, I would contact XXXX to advise them of the situation concerning the broken tv.. Each time I would speak to someone in Customer Service XXXX XXXX they acted like they understood what I was talking about and then they would tell me what they " thought '' I said and it was not correct! I would call repeatedly and the same situation would occur. I was told by XXXX CSR that I would need to get a refund from XXXX and they the XXXX CSR would say I need to get a refund from XXXX. XXXX has been attempting to collect payment from me for a tv I received that was broken, yet due to the continual problems that I have experienced, I did not make the payments. For the past 3 months, XXXX has been sending me emails advising me to submit proof of purchase, proof of broken tv, etc. I submitted the requested information and they still continued to send these emails. Now they have CHARGED OFF the balance {$320.00}. This has severely effected my credit. I am unable to purchase a vehicle because of this erroneous situation that they are reporting. Even though they have charged off the account I am STILL getting HARASSED with emails from XXXX Now, I am being harassed via email and text message from True Accord, I think that is the collection agency that purchased the account. This is absolutely ridiculous! XXXX is the worst finance company I have ever worked with. I need this situation resolved immediately! I need my credit corrected of all late payments and charge offs. I need to be fully refunded all of the money that I paid ( Totaling : {$250.00} )!
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 984XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your Authority in this matter. Absent such proof, you must correct any Erroneous reports of this past debt as mine. I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Respectfully, XXXX XXXX
11/05/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	PA 19026	Web
On XX/XX/XXXX, XXXX XXXX XXXX mobility billed me, in advance, for the upcoming service period of XX/XX/XXXX through XX/XX/XXXX. However, I changed carriers to XXXX on XX/XX/XXXX, and, therefore, would never receive any of the services for which XXXX XXXX XXXX is attempting to collect. The documents submitted with this claim unequivocally support this. I called XXXX XXXX XXXX to dispute the advance bill as these services were never rendered. Their representative attempted to " settle '' for {$50.00}. I asked the XXXX XXXX XXXX representative what services they would be providing and they stated " none '', but that " it is their policy to bill in advance ''. I told the XXXX XXXX XXXX representative that I am disputing the entire advanced billing attempt since XXXX XXXX XXXX would not provide any products or services as claimed on the invoice, since I switched carriers prior to the start of the billing period in question. Based on XXXX XXXX XXXX XXXX own terms of service, I do not owe any sum for the period in question. Furthermore, I have documentation showing XXXX also billed me, accurately, for the same dates ( XX/XX/XXXX - XX/XX/XXXX ) for the same phone numbers. XXXX XXXX XXXX later added roughly {$6.00} in interest/late fees before leveraging multiple third-party debt collectors in an attempt to scare me into paying for services never rendered, or risk damage to my credit rating with the 3 bureaus. " XXXX XXXX '' is the latest third-party debt collection agency leveraged by XXXX XXXX XXXX in their attempt to defraud me. They have sent collection emails to me on XX/XX/XXXX and XX/XX/XXXX as of this writing. Following the submission of this formal complaint, I am mailing a dispute letter to XXXX XXXX, expecting that they cease and desist any and all actions pertaining to this matter. The attachments herein are indisputable evidence that XXXXXXXX XXXX XXXX erroneously attempted to bill in advance after they no longer owned the phone numbers in question, as both they and XXXX billed me on XX/XX/XXXX for the service period of XX/XX/XXXX through XX/XX/XXXX. As such, I do not owe XXXX XXXX XXXX any debt whatsoever.
11/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 330XX	Web
To Whom It May Concern : I am writing to file a complaint against TrueAccord of whom is a debt collector and has reported un-validated information regarding the debt in the amount of {$850.00} to XXXX, XXXX, XXXX and other credit reporting agencies. Over the past several months, I have tried to resolve this issue via filing a dispute requesting VALIDATION of the debt with TrueAccord. I have also contacted the agency via telephone at XXXX as well as the agent assigned to the account via email at XXXX. Unfortunately, on XX/XX/19 I received a statement via email advising per TrueAccord the reporting collection agency I received an email dated XX/XX/19 advising the debt has simply been VERIFIED and is due for collection. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt being reported on my credit report. However, to no avail the TRUEACCORD the agency of whom is trying to collect on the debt has refused to VALIDATE the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) t. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? TrueAccord is refusing my request for VALIDATION of the debt I am requesting proof that I am the correct party, and there is some contractual obligation made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance.
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93940	Web	Servicemember
I used to have an account with XXXX for internet service ( discontinued service over a year ago ). When I disconnected the account, I paid the remaining balance and returned their satellite and router equipment in their own provided box with their provided prepaid shipping label. I mailed the equipment back well within the allotted timeframe from my local XXXX store and was not provided tracking information due to the label being prepaid. I never thought I'd need it anyway, since I've never had an issue sending any other package. XXXX made no attempt to contact me regarding the " missing '' equipment until I received a charge to my bank account in the amount of {$160.00} approximately XXXX months later. When I reached out to resolve the issue, no one could get answers as to where my equipment was. This was likely due to the fact that they waited approximately XXXX months to illegitimately charge my account. That also conveniently happens to be the time XXXX is no longer able to retrieve tracking information. I was told a claim was submitted to a supervisor and when I reached out to them again days later, I was told that they couldnt find my equipment and I was responsible for the fraudulent charge. At this point, I had to file a dispute with my bank, who reversed the charge upon completion of their investigation. XXXX made no attempt to contact me prior to initially charging my account, no attempt to contact me after the charge was dismissed from my account, and no attempt to contact me before they decided to send the fraudulent " debt '' to a collections agency ANOTHER XXXX months after my bank settled the dispute, so we're now over XXXX year since I discontinued service. I can not believe I am being held responsible for a companys poor tracking and receiving practices. Dealing with a collections agency and having to jump through hoops to prove I am not responsible for their failure to find a package is infuriating. I paid everything owed in full and their claim that I did not return their equipment is absolutely nothing short of fraud.
02/09/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 93313	Web
I am writing to file a complaint against TrueAccord, a debt collector, for violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Communications Privacy Act ( ECPA ). I was initially concerned because, on XXXX XXXX, 2023 at XXXX AM PST. I received an unsolicited email from TrueAccord regarding a debt that I allegedly owe to XXXX XXXX. Upon further review of the contents of the email, I realized that TrueAccord also violated several provisions of the FDCPA. Specifically, the email contained the following violations : Unlawful contact by email : The Electronic Communications Privacy Act ( ECPA ) prohibits debt collectors from contacting consumers by email without their prior express consent. I did not provide TrueAccord with my consent to contact me in this manner. Threatening to assume the debt is correct if the consumer does not dispute it : The statement " If you do not, we will assume that our information is correct '' could be seen as a threat to assume the validity of the debt without giving the consumer an opportunity to dispute it. This is a violation of my rights under the FDCPA. Failure to provide validation notice : The FDCPA requires that debt collectors provide consumers with written notice of their rights to dispute a debt within 5 days of the first communication. The email did not contain this information, and I was not informed of my right to dispute the debt in writing. Threatening to take action that is not legally allowed : The statement " We will use any information you give us to help collect the debt '' could be seen as a threat to take action that is not legally allowed, such as contacting the consumer 's employer or family members. Using unclear language : The statement " Call or write to us by XX/XX/2023, to dispute all or part of this debt '' is unclear and could be misinterpreted by the consumer. Use of obscene, profane, or other abusive language : The email contained language that was abusive, threatening, or otherwise harassing in nature, which is a violation of the FDCPA
11/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07302	Web
I was contacted by True Accord on XX/XX/2019 regarding a debt owed by my employer to XXXX for the amount of XXXX. When I contacted True Accord they indicated the debt was owed by me personally despite having my employers phone number and address. They never indicated the debt was owed by a corporate account and instead led me to believe I was personally responsible for the debt. I disputed the debt as an individual on XX/XX/2019. On XX/XX/2019 True Accord responded that the debt was indeed owed by me as an individual and provided supporting documentation provided to them by XXXX. Upon reviewing the supporting documentation all account information was listed under my employers name and not my name personally. I contacted True Accord on XX/XX/2019 to inform them that the information they had sent me indicated this was a business account debt and not an individual debt owed by me. I was told by the representative and their manager that they were only going to seek payment from me as an individual despite the supporting documents not having my name on them anywhere. They also indicated that they would not seek the payment from the organization whose debt the name was under. When I explained their supporting documentation did not indicate the debt was in my name they claimed they had no supporting documentation despite them sending it to me via email. When I provided the name of the individual who had verified the debt and sent the supporting documentation to me they claimed no such individual was employed at True Accord. When I inquired about my personal credit rating they indicated that XXXX would be showing up against my credit report. I then contacted XXXX directly who confirmed that the debt was not in my name personally and was indeed the debt of my employer and that the information they provided to True Accord indicated that it was not an individual debt. XXXX also indicated that the debt would not be levied against my personal credit rating and in fact their agency was one that did not show up on credit reports at all.
10/19/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 752XX	Web
HeyThis is an important message for XXXX XXXX. If you are not this person, please disregard and delete it. Email not displaying correctly? Skip to our message. Pay 50 % less than your full balance! Hello XXXX, We are TrueAccord, a third party debt collection agency that is working on behalf of XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) to collect on a balance of {$300.00}. Our approach is to make the debt collection experience better for the customer by offering self-serve options online. We're even offering you a discount of {$150.00}! You can review the details of this balance below. View Your Options Here are the details : Current creditor : XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX account ending in : XXXX Balance at Placement : {$300.00} Reduced Amount : - {$150.00} Total You Will Pay If You Accept This Offer : {$150.00} We are not obligated to extend or renew this offer. Nothing in this offer changes your rights as described in our initial email. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. Please read below for important disclosures. Copyright 2021 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. Unsubscribe Dispute this debt Privacy Policy Log in to your account The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXXXXXX can not sue you for it. In some states making a partial payment may revive XXXX XXXXXXXX XXXX XXXXXXXX 's ability to sue to collect the remaining balance. This was originally an account with XXXX XXXX , account number ending in XXXX
04/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94568	Web
On XXXX XXXX, XXXX, I purchased online what I thought was a one-time order of XXXX XXXX XXXX for my son. I paid {$39.00} for the shipment and it was supposed to last 90 days. My son used it for about 60 days and we saw little distinguishable difference in his XXXX and I placed no other orders. In XXXX XXXX, we relocated to California and filed a change of address with the post office. In XXXX XXXX, I received a notice from XXXX XXXX company, who sold XXXX at the time, that my payment was past due for a shipment sent to us in XX/XX/XXXX. I contacted XXXX XXXX at that time and told them that I did not place another order other than the initial one and that I had received no other shipments. I was informed during the call that by placing the initial order, I automatically enrolled in future shipments. I told them I wanted no more shipments and that I would not pay for a shipment that I had no knowledge of nor had ever received. At that time, I was asked to sign a Claims Never Received Affidavit, which I did on XXXX XXXX, XXXX of which I still have a copy. I received XXXX other bills on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, indicating that if I did not pay I would be submitted to a Collection Agency for the same shipment, but as instructed in the Claims Never Received Affidavit, I disregarded them with the understanding that once my signed affidavit was received, my account would be credited for the shipment. I received no future communications from XXXX XXXX and assumed this issue was resolved. On XXXX XXXX, XXXX, I received the XXXX in a series of XXXX emails from a company called TrueAccord, a debt collection agency indicating they were collecting an unpaid debt to XXXX XXXX. I still contend that I never placed a XXXX order for XXXX, that I never received a XXXX shipment and that from my perspective, I have made all appropriate attempts to resolve this matter. I now need help to ensure this company does not continue to harass my for collection and negatively affected my credit rating.
04/25/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 441XX	Web
My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. I sent a letter to XXXX asking for : Validation of the debtthat is, actual accounting. Verification of their claim against you ; that is, a signed invoice. A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered. However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy. As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.
07/26/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33156	Web
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit a formal complaint against TrueAccord Corp, a debt collector, for their violation of debt collection practices and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2023, I received communication from TrueAccord in response to my dispute and request for debt validation regarding an account with XXXX, XXXX. Despite their initial acknowledgment of my dispute and their commitment to pause all collection activities until they provide the requested validation documentation, TrueAccord has continued their collection efforts. This action is in direct violation of the FDCPA, which clearly states that a debt collector must cease all collection activities once a consumer disputes a debt or requests validation. TrueAccords disregard for this legal obligation is concerning and has caused significant distress and anxiety. I have diligently exercised my rights as a consumer by requesting debt validation to ensure the accuracy and legitimacy of the debt in question. However, TrueAccords failure to comply with the law has led to continued harassment through collection attempts, creating an undue burden on me. I am fully aware of my rights under the FDCPA and other relevant consumer protection laws, and I expect TrueAccord to adhere to these laws throughout the debt collection process. In light of the above, I kindly request the CFPBs assistance in investigating this matter and taking appropriate actions against TrueAccord for their non-compliance with the FDCPA. I also request guidance on how to resolve this dispute lawfully and fairly. Enclosed with this complaint are copies of the relevant communication, including my initial debt validation request and TrueAccords response. I sincerely appreciate the CFPBs commitment to consumer protection and seek a prompt resolution to this complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
07/12/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 30044	Web
I have been receiving regular emails from a company called TrueAccord regarding the collection of a debt from XXXX XXXX. An individual from TrueAccord has been emailing me starting on XX/XX/XXXX to the most recent email which was received on XX/XX/XXXX. In that timeframe, they have sent me XXXX separate emails about this debt. I have no recollection of this debt and it does not show up anywhere on my credit report. According to 15 U.S. Code 1692c - Communication in connection with debt collection : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have NEVER given this company nor individual permission to contact me. The representative from TrueAccord is also in violation of 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Furthermore... 15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. XXXX emails is harassment.
04/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11361	Web
XXXX continued to charge a monthly fee after the business a ) notified them to cancel their paid advertising portion of the service and b ) that it was shutting down due to COVID ( New York had topped half a million confirmed COVID-19 cases, curfews were put in place, schools went all-remote, and indoor workforce reductions became mandatory ). This is a high-risk business ( XXXX ) and could not afford to advertise while closed. XXXX did not honor the request ( XX/XX/2020 ) and continued billing for four additional monthly payments. It then handed 4mo worth of such charges to TrueAccord ( their collection agency ), which has been hyper-aggressive in attempting to collect {$280.00} even though there should be no debt at all. XXXX now disavows any control over the process, saying they can not cancel the fees or correct the info in any way, but rather it must be handled through TrueAccord which ( as TrueAccord is XXXX 's agent ) is neither true, nor honest, and is not actually the law. XXXX has further stated that the business owner bears responsibility for the extra billing, because she did not answer emails from Yelp ( which she could not read, as they were not in her language ) during the shutdown. This sidesteps the issue that further emails should be irrelevant, once advertising is ordered stopped or paused. This business is a minority-owned business, with no one who speaks fluent English, and a vulnerable population ( XXXX XXXX ) as indicated by the recent mass shooting on XX/XX/XXXX, during which XXXX ( through TrueAccord ) has continued daily collection contacts, despite the XXXX having to close again for the safety of its staff. XXXX has taken advantage of the language disparity, and the relative disparity in negotiating power between the two firms, and attempted to offload accountability to its agent, rather than ( properly ) cancel the supposed debt. Besides viewing this with utter disgust, it's inappropriate contractually and legally.
12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 363XX	Web	Servicemember
XXXX leveraging True Accord debt collector is engaged in bad faith deceptive loan origination and debt collection practices. It is not possible to engage in the steps necessary dispute or negotiate a debt without personal information being used for enduring and continual marketing financial products with no ability to opt out. This makes it impossible to seek remedy for alleged debts without having personal information sold in exchange. The process is described here https : //www.notboring.co/p/trueaccord-unsexiness-as-a-moat " Once TrueAccord owns the customer relationship and has helped those consumers out of debt, it can begin to layer on additional financial services : partnerships with neobanks, debit cards, banking services. These are excellent businesses once the customer is in the door, but many attempts die at the hands of high CACs. TrueAccord is playing the long game, and has been for the past seven years, because it knows it can do well by doing good. Fewer consumers in debt, more consumers with access to financial services, more profits for TrueAccord. '' XXXX did not positively identify individual using their buy now pay later service and a loan was created in my name. The loan was not paid on. When the loan went to collections it was disputed via XXXX and XXXX credit report. The company provided no documentation showing the loan was valid and simply confirmed the loan. XXXX then advised to contact their debt collector to continue the dispute. Contacting their collection agency True Accord results in a new and permanent account with True Accord being created that market financial products from. XXXX never had consent to open the line of credit and therefore had no consent to give to True Accord for marketing of financial products to the non-consenting party. The current practices prevents the consumer from taking action on items reported to their credit report without unknowingly signing up for unwanted financial services.
12/04/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21771	Web
After receiving notification via email from XXXX XXXX at TrueAccord on XX/XX/XXXX about an outstanding debt I had. I had asked a question about having signed documentation to have the account removed from my credit report once paid. I then received an answer that I did not see until today XXXX, on XX/XX/XXXX with this reply " Thank you for reaching out about this balance. TrueAccord does not credit report. If XXXX XXXX, XXXX reports, they will update the credit reporting agencies as required. It may take the credit reporting agencies more than 30 days to reflect the update. For more information, you can go to www.consumer.ftc.gov and click on Get your free credit report to get a free copy and see for yourself. Please let us know if you have any questions. Were here to help. Best Regards, XXXX XXXX '' I then on XX/XX/XXXX XXXX emailed again trying to touch base about my balance. Not having seen the previous reply I again asked my same question. And on XX/XX/XXXX got a reply XXXX XXXX, which again I did not see until today. XX/XX/XXXX XXXX emails me again, regarding my debt, but does not answer my question. On XXXX in then get this email from the name on the email, not even answering my question. " Thank you for replying to our email. You can reach us at XXXX. Our office is open Monday through Friday XXXX XXXX to XXXX XXXX ET. Please let me know if you have any questions. Im here to help. Best Regards, XXXX XXXX '' So on XX/XX/XXXX. I again ask the same question as previously mentioned, and get the same reply as previously stated in this complaint from XXXX XXXX. I then email back wondering why they can not get paperwork together to sign stating my concern when the creditor hired them to take care of my debt. So at XXXX today, XXXX emails me again with the same generic email to call them. I will not call because I want this documented on email. It seems to me this should be a simple matter to resolve.
07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA XXXXX	Web
On XX/XX/2018, I received an e-mail from " XXXX '' stating that I had an outstanding balance of {$4800.00}. The bottom of the e-mail stated that this was a communication from a debt collector. Being unfamiliar with this amount, this debt, or this debt collector, on XX/XX/2018, I responded, saying " I do not acknowledge that this debt is mine and take no responsibility for it. However, I'm willing to pay {$300.00} to have this account settled in full and deleted from my credit report. '' On XX/XX/XXXX, I received an e-mail from " XXXX '', acknowledging my dispute and stating that he would file a dispute formally for me. He stated that they would reach out to me soon after they received more information from " XXXX XXXX XXXX '', signed " XXXX XXXX, True Accord Engagement Team, with an address I later used to dispute the validity of this debt. This same day, I e-mailed XXXX XXXX XXXX contesting this debt and received the response : " Your account has been transferred to our partner company TrueAccord and they should be contacting you to assist in resolving your outstanding balance with XXXX XXXX. Your current balance is {$4800.00} We encourage you to work with them to resolve this outstanding balance. To do so, please contact them directly at XXXX or email them at XXXX. '' Considering that they no longer and collecting the debt, I don't understand how they can continue to report negatively on my credit. Legally, they can not. XX/XX/2018, I sent TrueAccord a request to validate this debt via XXXX certified mail ( tracking number available ). This letter was received by an individual on Monday, XX/XX/2018 to the address listed in the e-mail I was first sent ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA ). This would have brought the amount of disputes for this debt up to two. As of today XX/XX/XXXX, I still have not received any correspondence from TrueAccord regarding the validity of this debt.
01/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 07030	Web
I reached out to XXXX XXXX after the company waited 2 years and added an account on my credit during Covid 19 that was already resolved and removed through Consumer Affairs 2 years ago. I reached out to XXXX CERTIFIED MAIL. My certified mail letter to XXXX included proof and documentation from Consumer AFFAIRS to advise the collection agency that they had violated by adding an already resolved and removed dispute onto my credit reports. Since XXXX had violated and I had sent XXXX proof showing their illegal tactics of their violations of illegally reporting the account to the credit bureaus, XXXX still failed to respond back to my CERTIFIED mail sent to them. XXXX failing to respond, XXXX then illegally sold the exact same account to TRUE ACCORD. I did not receive any letter or notice from True Accord that they were collecting on this previously removed account that was illegally re-added back by XXXX. Instead of notifying me, True Accord began illegally emailing me requesting payments for the exact same account in XX/XX/XXXX through XX/XX/XXXX. This is illegal. I have never provided True Accord with my email. I have never consented to True Accord or spoken to them advising them to contact me via email. By law, XXXX, can not fail to contact me at all, to then illegally add an account to my credit reports during Covid, to then sell the exact same account after receipt of my certified dispute. This type of illegal collection tactics need to stop. True Accord then followed the same illegal tactics by failing to contact me in writing. Instead, True Accord just started sending excessive emails requesting payments on the exact same account. Why are these companies mocking the FDCPA and FTC laws? Why do these companies feel that they can go unnoticed and violate even more during COVID? I have also filed a complaint with the Federal Trade Commission as well. FTC File # XXXX.
04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 71854	Web
I received an email from XXXX XXXX a representative of XXXXrueAccord a debt collection agency on XX/XX/2023. The next day I saw this email on XX/XX/2023. The email was an offer to pay the balance of XXXX off in total at a discounted amount of XXXX. I processed a payment by debit card the same day XX/XX/2023 for this amount and received a message from TrueAccord stating it was paid off in full on XX/XX/2023 and further attempts to collect on the debt would cease. I have screen shots and a bank statement I can provide as proof of the offer, the transaction completion and bank statement records. Later in the this month I received a message from XXXX & XXXX XXXX XXXX XXXX. This is another debt collection agency stating the balance owed is still XXXX. I received this email on XX/XX/2023, upon receiving the email I immediately contacted the company at the phone number provided ( XXXX ) XXXX in the email. I spoke to a XXXX XXXX who is a floor manager. I explained the situation to him and we had several email messages back and forth following the call. I sent screenshots of the confirmation of payment made and the offer from TrueAccord. He stated that the offer I received on XX/XX/2023 was only valid for that day, however there was no indication of this in the email and certainly not when I processed the payment and received confirmation the debt balance was paid in full. XXXX XXXX then sent me a offer letter with the original balance of XXXX discounted to a pay off amount XXXX. So according to their records there was never a payment made which makes no sense. He stated the offer he sent was only valid up until XX/XX/2023. This entire situation seems unprofessional as I processed the payment and received confirmation the balance was paid and collections would cease. I have not received an explanation for where my funds paid on XX/XX/2023 were applied from XXXX XXXX.
05/12/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 15090	Web
Received an email today stating that the company may send back to original creditor and they may take legal actions. Copied email to follow. At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More. XXXX, please set up a payment arrangement. XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) would like to prevent legal review on your past due account, so they gave us the opportunity to assist you in reaching a resolution. While your account is still with us, we'd like to work with you to resolve your past due balance. Otherwise, XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) may review your account for placement with an attorney for legal review as their next step. You can prevent this by setting up a payment arrangement. Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please read below for important disclosures. Copyright 2020 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/resurgent_glb XXXX XXXX XXXX account number ending in : XXXX.
03/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61265	Web
Requested verification of debt. Did not receive any response within appropriate time. I told them that I have not received the verification of debt, but they keep on harassing me. At TrueAccord Corp., we understand that money might be tight right now. Just tell us about your circumstances or set up a payment plan that works for you to pay your {$1600.00} balance with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX ( XXXX ) account ). Even if you can't pay, we need to hear from you soon. Do what you can This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please read below for important disclosures. Copyright 2023 TrueAccord Corp . XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX ( XXXX XXXXXXXX ) Office Hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. Unsubscribe Dispute this debt Privacy Policy Log in to your account We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. This was originally an account with XXXX XXXX XXXX ( XXXX ), account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/XXXX_glb
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43110	Web
I received an unsolicited letter via email from TrueAccord acct : XXXX stating that I owe a debt. This account has already been disputed as not valid with the original creditor. Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to in equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data provider and your continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed.
02/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 484XX	Web	Servicemember
XXXX XXXX XXXX with XXXX # XXXX in the amount of {$1000.00} from XXXX XXXX, XXXX is illegality holding an account that has been filed as fraud since XXXX, XXXX, XXXX. Affirm, XXXX was notified XXXX, XXXX, XXXX that the account in collections was listed as fraud ; by their hired, XXXX XXXX XXXX XXXX listed as : True Accord holding account # XXXX and reference # XXXX for loanID # XXXX. - Noted by XXXX. XXXX ID # XXXX XXXX, XXXX. XXXX True Accord then notified XXXX XXXX XXXX XXXX, XXXX, XXXX of the account they were currently holding listed as fraud. True Accord had not been notified by XXXX XXXX XXXX in over a year ( XXXX, XXXX, XXXX ) as the validity of the account ( stated by XXXX XXXX. XXXX the submitted to XXXX XXXX XXXX on XXXX, XXXX, XXXX a noted fraud collections. Affirm, XXXX was notified and verified of notification on XXXX, XXXX, XXXX by XXXX XXXX and XXXX XXXX XXXX they both verified and confirmed they had not been in response to this notification in over XXXX days and they did not notify the listed customer or True Accord of any supplied information in over XXXX days. ( XXXX, XXXX, XXXX ). To date XXXX, XXXX has still not supplied any documentation or validation of this debt to any parties, nor has it followed fair credit practices to remove any accounts during the supplied and allowed time. The original loan was established on behalf of a merchant that was notified XXXX, XXXX, XXXX of fraud, the merchant notified that the order was never fulfilled and the transaction was listed as fraud. XXXX, XXXX was notified that an established fraudulent loan was made and the attempt of this loan is not sufficient as the merchant never fulfilled order.
01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 863XX	Web
The accounts/inquiries listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts or inquiries to be taken out, nor do they relate from any transaction by me. I have never opened an account with TrueAccord. TrueAccord is unable to provide any contract between myself and their company. TrueAccord is knowingly and willingly committing Aggravated Identity Theft to collect on an alleged debt and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). This information is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Since TrueAccord is a debt collection agency, I demand you provide me with the details of you purchasing this debt and assigning it to me. I do not accept TrueAccords offer to contract with me and assign this debt to me. Furthermore, I demand that you cease all communication with me with regards to this debt, pursuant to 15 usc 1692. If you continue to contact me with regards to this alleged debt, or keep any record of me with your company, you will be breaking federal law. In which case, I will pursue litigation against your company to the fullest extent of the law. Kindly govern yourself accordingly.
10/12/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MI 482XX	Web
Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have 0 customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXXTrueAccord.com they just bounce me around and provide no help, just want me to pay for a product that was never delivered
02/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07424	Web
I WAS XXXX! CONTINUE TO BE XXXX! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act XXXX XXXX XXXX ILLEGAL TO COMMUNICATE, XXXX XXXX XXXX XXXX PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! XXXX XXXX XXXX XXXX VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the XXXX I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with TRUE ACCORD, you do not have granted that permission. As per XXXX, you violated me, your corporation is criminally liable pursuant XXXX XXXX XXXX because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per XXXX XXXX XXXX XXXX for XXXX parties to come together and conspire against MY rights as consumer. READ XXXX XXXX XXXX & XXXX ( XXXX ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
10/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 36116	Web
I was contacted by TrueAccord on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). Attach any police report, government ID containing your signature, or other document that you believe would be relevant. If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX
03/22/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 140XX	Web	Servicemember
Hello, this is a very old debt that originated with XXXX XXXX. When I opened the account with XXXX XXXX, I opted for their payment protection plan. In XX/XX/XXXX, my business completely tanked and I could not afford to make payments, so I requested that the payment protection plan I paid for be used. XXXX XXXX did not apply this to my account because they started an extremely aggressive collection effort which was, for all intents and purposes, an assault on my phone. They called constantly from morning to night using different numbers and demanded that I give them a debit card number for a payment plan. The people that called were possibly in XXXX and using robot dial machines located in XXXX and other small, obscure cities through out Georgia. Apparently, at some point within the last year or so, XXXX XXXX sold the debt to XXXX XXXX. Now XXXX XXXX is taking the helm with a constant barrage of emails and phone calls. Many of the emails are peppered with threats of legal action. I also have a recent voicemail from them threatening legal action. The amount of the debt XXXX XXXX states in their emails is {$1400.00} and they say it is owed to a company called XXXX XXXX. The emails come from many different screen names. In the emails, XXXX XXXX is listed as the origin of the debt. This activity does not show up on my credit report. What does show up on my credit report is a collections action started in XX/XX/XXXX by XXXX XXXX for the amount of {$1100.00}. They list XXXX XXXX as the origin of the debt. I am also disputing this with the credit bureaus via XXXX XXXX.
06/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32257	Web
THIS INFORMATION IS INCORRECT IN MORE THAN ONE WAY. TO START NONE OF THE personal information listed regarding this credit card account are valid ; such as My suposed account number, address, phone number, email, Social Security number. I AM NOT RESPONSIBLE OF THIS, NOR AM I THE ACCOUNT HOLDER. This card was opened with My first and last name and date of birth AND THAT WAS ALL THE INFORMATION THAT MATCHES THIS-HOW IS THIS EVEN POSSIBLE TO HAVE GOTTEN THIS FAR AND STILL FOLLOWING ME!? I HAVE REACHED OUT TO THE ORIGINAL CREDIT CARD COMPANY A FEW TIMES OVER THE LAST 6MONTHS TO KEEP THEM UP TO DATE ON EVERYTHING ON MY END AND APPARENTLY NOTHING AT ALL HAS BEEN DONE. I DONT KNOW EXACTLY WHAT/HOW THIS HAPPENED, IF IT WAS DONE BY A PERSON I KNOW, KNOWINGLY USING PART OF MY INFORMATION OR IF THIS WAS COMPLETE ERROR ON SOMEONES FAULT BUT I AM STILL NOT TAKING RESPONSIBILITY FOR SUCH AN INCORRECT SITUATION. NOW I HAVE DEBT COLLECTORS EMIAILING ME, CONTACTING ME AND ACCUSING ME OF THIS DEBT THAT HAS NOW BECOME A COLLECTION ACCOUNT AND SOLD TO A NEW COMPANY. THE MOST UPESTTING TO ME IS THAT NOW ACCORDING TO THE CREDIT REPORTING AGENCIES, M YCORRECT PERSONAL INFO HAS BEEN BASICALLY ADDED TO/ WITH THIS OTHER " XXXX XXXX XXXX ACCOUNT AND MY PUBLIC INFO IS NOW MIXED INTO THIS WHOLE MESS EVEM MORE THAN BEFORE BC NOW WHEN SOMEONE PULLS THIS ACCOUNT/REPORT, ALL THE INFORMATION SUBMITTED-BOTH BY THE APPLICANT, AND NOW BY WHOEVER HAS ADDED TO THESE CREDIT REPORT ACOUNTS ON THE ADMIN SIDE-WHICH HAS ONLY MADE THINGS WORSE AND MORE CONFUSING TO ANY THIRD PARTIES GETTING INVOLVED.
09/30/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35810	Web
My idenity was stolen in XXXX. Since then i have been battling to get accounts that are not mine removed from my credit. The company True accord has an account that they claim is my account. I have asked for verification of the debt many times to which they never adequately verify the debt. i have also sent in doucumentation to the collection company as well as the credit breaus to show that i have been a vicitm of idenity theft, yet they still refuse to remove the account. On ( XX/XX/XXXX ) i wrote a letter to the company offering to settle the debt beacuse my efforts have literally when no where to prove that i do NOT owe this debt. This company is hindering me from obtaining a home loan through tactics that are illegal considering i am showing proof that this debt is not mine. Today ( XX/XX/XXXX ) i contacted the agency by phone to do the same thing that i listed in the letter ( to settle the debt for a lesser ammount around {$500.00} ) The agency stated that they can not settle the debt for less than {$500.00} and the amount that is showing on my credit report is around {$1000.00}. I refused to pay the stated amount and wanted to report their illegal tactics. Once again, I DO NOT OWE THIS DEBT, but i figured it would be easier to just settle the debt and move on since this company refuses to honor my paperwork that i have sent in many times clearly showing that i have been a victim of idenity theft. I am trying to obtain a home for myself and my young child, i should not have to battle with this company to remove a debt that i do not owe in the first place.
01/22/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 761XX	Web	Servicemember
On XX/XX/XXXX, TrueAccord contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by XXXX XXXX, XXXX. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. On XX/XX/XXXX, TrueAccord contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX in XXXX ( {$350.00} ), which again was purchased by XXXX XXXX, XXXX. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX and I believe they are again emailing an incorrect address. Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at TrueAccord. Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like TrueAccord to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.
07/14/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	PA 19020	Web
On XX/XX/XXXX a block call came through to my cell phone and a message was left by a young lady who I could barely understand. She left a message that her company was going to serve me paperwork to my home and job to have me arrested for a legal matter in their office. She also stated that the warrant would be sent via certified mail in a few days unless I called their office to resolve. I called the number back and a man answered I asked what the name of the company was and he refused to give me that information and hung up on me. I called back repeatedly and got their voicemail. A few minutes later a get another call from XXXX XXXX and the same person left another threatening message. I immediately texted the number back and asked for the company 's name and that I was going to file a complaint. Today XX/XX/XXXX I get an email from a female name XXXX XXXX ... .I have a copy of the email and I can also provide a copy of my response to her to cease all communications, and that I had no idea what this was about. In her email she started out by saying are you still confused on why we are contacting you. Never mind that I sent her a text message just yesterday to cease all communications with me and send everything from her company on letter head to my attention via mail. My FDCPA rights were violated with the threatening email, they continue to contact me even when I told them to cease all communication. I have the recorded called on my cell phone I have saved it. Please let me know when I can share it with the CFPB office.
06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92882	Web
I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/2021. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. In XXXX of this year I received an email from TrueAccord stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for XXXX XXXX, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with TrueAccord. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). Collection account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX P.S. I have many more emails that I can forward. I would need an email address though.
10/02/2022	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MA XXXXX	Web
On XX/XX/2022, I received a letter from TrueAccord collection agency stating they were working for XXXX XXXX XXXX without a 1006.34 Notice for validation of debts. ( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section. ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information. For purposes of determining the end of the validation period, the debt collector may assume that a consumer receives the validation information on any date that is at least five days ( excluding legal public holidays identified in 5 U.S.C. 6103 ( a ), Saturdays, and Sundays ) after the debt collector provides it. On XX/XX/2022, I filed a dispute with TrueAccord, CEO XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX - XXXX # XXXX - XXXXXXXX XXXX XXXX for {$500.00}. This alleged debt is being reported to my 3 CRAs even though TrueAccord and XXXX XXXX XXXX can't validate it. This account should be deleted as soon as possible by TruerAccord XXXX XXXX XXXX XXXX. You will find all communications attached and I would like to draw your attention ( CFBP ) agency to a letter from TrueAccord XXXX XXXX XXXX XXXX that fails to mention the right to dispute within 30 days, as required by law. Sincerely,
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between True Accord LLC and Affirm INC As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
03/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 151XX	Web	Older American
On XX/XX/2023 I received an email from TrueAccord claiming I owed nearly {$3800.00} for an account with XXXX 's that was transferred to them from a company called XXXX, I never have had such an account. I emailed to them that the account was not mine and cited that the zip code, XXXX, for the debtor was not mine, but they failed to respond to my several attempts to contact them. I finally received an email, two weeks later, indicating that the account, that they still claimed was mine, was transferred back to XXXX. XXXX also has failed to respond to my several attempts to contact them. I have never had an account with XXXX 's and was never contacted by them or XXXX in any fashion either by mail, phone or email, concerning this prior to the email from TrueAccord. I did find that a person with the same first and last name as mine does live at the zip code in XXXX SC XXXX. I advised TrueAccord of this and never received a response. What TrueAccord has done is to link my email with someone else 's financial record. And they refuse to admit their error. I was fearful at first that this was either a scam or identity theft. Now I realize that TrueAccord is a bottom feeder seeking by any means available to enhance their coffers by scaring senior citizens with their tactics. They violated regulation F by not providing in their email to me all the required information concerning the alleged debt. but only the owners zip code and the ending digits of an account number.
10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA XXXXX	Web
XX/XX/2022 Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. XXXXXXXX XXXX ACCOUNT NUMBER XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. XXXX reports the account as in collection with a past due balance of {$500.00} as of XX/XX/2022. This isnt right and the loan should be deleted from my file like it was several months ago. Enclosed is a copy of the page ( s ) from my credit file that have the disputed debt. Please let me know if you have any questions. Sincerely, XXXX XXXX XXXX : True Accord : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
09/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34471	Web
CFPB + True Accord, On a recent review of emails, I received an email from True Accord saying I owe a debt. I am requesting validation of this debt. Attached to this email are : - copy of drivers license - this serves as ID as well as address - written complaint I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via the CFPB as well as mail at the address I have provided herein. I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. Your failure to act will result in this matter being referred to the Attorney Generals Office.
06/28/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 482XX	Web
TrueAccord made initial contact via email on XX/XX/XXXX, on behalf of XXXX XXXX, XXXX, regarding consumer debt they alleged was mine ( it was not ) and wanted me to pay. They made subsequent contacts via email on XX/XX/XXXX, XXXX, and XXXX, and as a result, I sent a letter via certified mail on XX/XX/XXXX, requesting an official debt validation within 15 days. TrueAccord did not respond to my request but continued making contact via email on XX/XX/XXXX, XXXX, and XXXX, XXXX ; XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX -- asking me to pay the debt. I sent a debt collection letter via certified mail on XX/XX/XXXX, officially requesting debt cancellation. I then received two debt collection letters in the mail on XX/XX/XXXX, from XXXX XXXX XXXX. They explained some of the debt -- including the original creditor origination date ( XXXX ). Having never opened a credit account with that creditor or at the alleged date, I submitted a message on XXXX 's website on XX/XX/XXXX, stating the inaccuracies of the debt and statute of limitations in Michigan ( 6 years ), and I requested that the debt be removed from my records. I received an additional debt collection letter on XX/XX/XXXX, from XXXX XXXX, XXXX, attempting to collect the same debt that TrueAccordXXXX XXXX, XXXX attempted to collect in XX/XX/XXXX. In this letter, XXXX XXXX indicated that XXXX XXXX XXXX was a parent company to XXXX XXXX and XXXX XXXX.
07/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20001	Web
On XX/XX/19 I received an emailed from TrueAccord advising that the email was a communication from a debt collector and was an attempt to collect a debt for money owed to creditor, XXXX, XXXX in the amount of {$920.00}. I have never obtained a credit card and/or loan from XXXX, XXXX and advised that I was a victim of identity fraud and believed this to be included in same ; therefore I disputed the debt on a fraudulent basis. On XX/XX/19 I receive a second email advising of my " 30 day payment plan option ''. I never sleeted this option and continued to dispute the validity of the debt. On XX/XX/19 I received a third email that stated, " We'd like to discuss solutions for your outstanding balance of {$920.00} with XXXX , XXXX but need to hear from you. Please reply to this email or call XXXX to speak with one of our agents. '' I called the designated phone number and initiated what appeared to be a new depute. Therefore, on XX/XX/2019 I received a fourth email that indicated I against have an oustanding balance of $ XXXXand that True Accord continued to work with XXXX, XXXX to help resolve this outstanding balance. I continue to dispute this debt and have no further information because I did not obtain and/or apply for this type of loan financing. TrueAccord continues to attempt to collect on this debt and ignores the Identity Theft Affidavit provided to them which I previously field with the ftc.
09/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 711XX	Web
In accordance with Law 15 USC 1692 C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; also in accordance with law 15 USC 1692 D : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. This is considered harassment and abuse. I have told XXXX XXXX that this was not my debt and it was done fraudulent, they did not do any investigation to determine if this debt was deemed legitimated. I also explained to XXXX XXXX that I was a victim of identity theft. I have been harassed and bullied into paying a debt I am not responsible for. They have targeted my credit trying to scared me into paying a debt I am not responsible for. I have asked them to stop contacting me and they will not stop. this is a violation on my rights.
11/27/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MO 64063	Web
I am contacted repeatedly by XXXX at this collection agency : TrueAccord account number : XXXX At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More. Your support team at TrueAccord wants to help you get your balance resolved XXXX, wed like to work with you regarding your outstanding balance of {$710.00} with XXXX XXXX XXXX because theyve given us a short period of time to help you resolve your balance. If a payment arrangement is not set up while your account is with us, XXXX XXXX XXXX may review your account for potential placement with a law firm for legal review. I was even contacted at XXXX on XXXX. I have stated multiple times that I purchased the protection to use if unemployed and contacted the credit card company and told them I was unemployed but they continued to charge fees and run up the card. This in my opinion is fraud. When I ask for validation of the debt I only receive a statement that would have been mailed from the credit card company with the balance on it. No paperwork or anything from the initial contact showing I signed up for the protection.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 363XX	Web	Servicemember
XXXX XXXX and their debt collector TrueAccord Corp. is reporting inaccurately to credit reporting bureaus. In CFPB Complaint number XXXX XXXX XXXX agreed I was not responsible for a reported debt and agreed to remove their reporting from my credit report. They have not removed it and denied removal through credit report dispute process. XXXX XXXX response to previous CFPB complaint acknowledged the item is not mine, " XXXX records indicate that after additional review of your case, the Account Safety team found you not responsible for repayment and sent you an email informing of this resolution on XX/XX/2022. The loan was labeled as unauthorized and will be removed from your credit report within XXXX next credit furnishing cycle, which may take between 30-60 days. '' XXXX has not honored their commitment to remove this unauthorized item from my credit report. It is causing significant damage to my credit history as it shows zero payment history and is reported seriously delinquent. This has caused significant financial hardship and threatens my DOD security clearance and employment. I have provided XXXX XXXX a reasonable amount of time for this item to be removed. I have disputed the debt through XXXX providing XXXX 's own response from the previous complaint. XXXX is still refusing to remove this unauthorized item.
07/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79928	Web
On XXXX the XXXX, my ex-boyfriend requested a loan with XXXX for XXXX USD to purchase a laptop from XXXX for a total of {$2800.00}, which as of today makes a total of {$3100.00}. Back then I allowed him to use my information only to create his account, and he had more information because I had entrusted it to him before, but I never have my consent for my information to be used to borrow a loan. Besides that, I was younger and did not have much experience with anything credit-related. I kept receiving emails for overdue payments but I still thought they were just because he had used my email address to create his account. All of these emails I forwarded them back to him until I stopped receiving them. On XX/XX/2020, I received the first message from True Accord informing me that they were going to be collecting the debt I owed to XXXX for a loan I never borrowed. The only loan I had borrowed before was my school loan. I disputed this on XXXX the XXXX. On XXXX the XXXX I figured out that the date and company the loan had been borrowed from matched with the time my ex-boyfriend asked for my information and bought his laptop. I have been trying to solve this out directly with him, but since he has already scammed a lot of people before, including me in other occasions, I am reaching out to you to solve this myself.
12/12/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web
On XX/XX/XXXX TrueAccord Debt Collector sent me an email, stating they are trying to collect {$100.00} from me on an account that I was never on. The account that they emailed me to collect on was my boyfriends account that has a XXXX balance. The XXXX balance for this account has been confirmed with XXXX, ( XXXX XXXX ). This account was opened by my boyfriend before I knew him. XXXX had an issue stating the equipment was not returned when he moved. We have the receipt from XXXX store showing the equipment returned before we moved. Once XXXX was given the receipt information, they resolved their dispute, and stated XXXX store was at fault. XXXX shows a XXXX balance for this account. It has been over a year since we moved. I wrote TrueAccord a responding email with this information above, and uploaded a letter from XXXX stating the issue for the account in collections has been resolved. TrueAccord wrote back that the investigation is ongoing. That they will resume collection from me and would like my E-Sign Terms signature to validate documentation to email. I did not sign TrueAccords documentation because their collection is fraudulent. I wrote back requesting that they remove me from their system and to send me an email letter to confirm that I have been removed from their collections. I have not heard back.
01/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30281	Web
On XX/XX/2023 I sent True accord received a cease and desist letter from me instructing them to cease all communication with me which includes emails, letters, phone calls etc..I also sent them an invoice for {$3000.00} for 3 Fair Debt Collections Practices Act violations. On XX/XX/2023 at XXXX True accord contacted me after they had received my cease and desist which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. They contacted me for a reason outside of these 3 reasons which is a violation also.
01/02/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 960XX	Web
About a month ago I got a text message from TrueAccord " A debt collector ''. It stated that my " account '' had been placed with them. This text started showing up at least once a day. I replied back to please " stop '' as I had no clue what account it was pointing to and it was basically an autogenerated text that they had put me in on the list to recieve. I have never heard of them so this could be fishing or scamming as far as I am concerned. After asking replying for no more texts and the reason I am filing this complaint is this... XXXX morning my wife, son, his new family and our XXXX XXXX XXXX grand daughter were sharing breakfast and preparing to watch our baby open her gifts. As we gathered my phone went off and I figured it was my XXXX, XXXX, or one of my XXXX. It wasn't, it was TrueAccord " A debt collector ''. I never asked to recieve text messages, I asked for them to be stopped, and yet my special moment was interrupted by them. Now, I am not so concerned about myself as I have more than enough to be grateful for, but for someone who is having troubles in life around the holidays, to be contacted by " A debt collector '' is just wrong and rubbing things in someones face regardless of their monetary situation. Please warn these XXXX or something. No one deserves that level of disrespect.
09/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web
I called XXXX XXXX XXXX to validate a debt listed on my credit report. They told me the account was with their company trueaccord. I called true accord and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called XXXX again and emailed true accord requesting validation of the debt. I didnt hear a response back, so I called XXXX this morning and told them that I have waited 5 days to hear back and all they said was that true accord was supposed to call me later and that it was a miscommunication about the debt. I called true accord again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.
06/06/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33157	Web
On XX/XX/2020 XXXX I received the following message from XXXX XXXX of TrueAccord, after I unsubscribed from their email : XXXX, do you need more information? We're following up after your recent visit to our website regarding a {$460.00} balance with XXXX. If you were looking into unsubscribing, we'd like to provide you with more information. Please view your account summary. Unsubscribing will not invalidate your debt. If you're ready to resolve this balance, please take a moment to view all your available options. Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I responded via email XX/XX/2020 XXXX, Any information regarding this matter needs to be mailed to the addresses you have on file. No longer contact me via any email address. This matter will not be addressed again and a complaint will be filed with the CFPB. I then followed up with a certified letter XX/XX/2020, Tracking Number : XXXX, received XX/XX/2020 at XXXX XXXX. In this official document I request debt validation, and explicitly stated all communication needs to officially be done in writing. They are only authorized to communicate with me via mail, and attempting to collect a debt via email, circumvents the official process.
12/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 648XX	Web	Servicemember
" TrueAccord '' emailed my ex-wife, whom I have been separated from for over eight years regarding a debt that I do not owe. My ex-wife sent screenshots of the email on XXXX XX/XX/XXXX. This was the first time I have been contacted regarding this debt. I contacted the company promptly on XXXX XX/XX/XXXX, and they would not speak to me unless I gave them my phone number. I reluctantly gave the operator my phone number, and then she stated that she " could not verify that phone number. '' The number I gave her, my current phone number has been used by me for over three years. Since she could not verify my phone number, she then tried to get me, " verify my address, '' and I refused. The operator would not give me any information, other than agreeing to, " removing us from the contact list. '' The email my ex-wife received states, " This was originally a check written to the XXXX XXXX. This check was presented for payment but dishonored by the bank. XXXX XXXX XXXX, XXXX purchased this debt and has hired our company, TrueAccord to collect the balance due of {$60.00}, plus a returned check fee of {$25.00}. '' I have not used checks in stores since around XXXX. I do not have any outstanding debts that I owe to any businesses. TrueAccord was attempting to fraudulently make pay/responsible for a fake debt.
02/05/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90272	Web
For several years Ive had this phone number and some debt collector calls looking for a XXXX XXXX or XXXX. She must of had this phone number before they assigned it me 6 years ago. No matter how many times I tell them I'm not her and this is my work phone they tell me they will remove me from the call list but they continue to call leave messages and now they are sending text message trying to obtain money from me after Ive told them that I'm not this person and that they have the wrong phone number and person. They have been harassing me for over 6 years now and its become disturbing and stressful. I'm a XXXXXXXX XXXX XXXX and this is my work phone and I can not afford the text messages they keep sending me. No mater what I do they are relentless in collecting their debt from the wrong person. I'm not XXXX XXXX she must have given them the wrong number and I'm suffering the consequences for her unpaid debt. TrueAccord is a debt collector I reached out to them again after they texted me on XX/XX/XXXX to let them know that Ive never had an account with the said company and my name is not XXXX or XXXX. They are stating that this person took out a loan from XXXX XXXX XXXX XXXX for XXXX. I told them I this is not my account and they keep calling and texting me. Their pone number is XXXX XXXX
12/03/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	OR 970XX	Web
This is XXXX years ago and after spending a ridiculous number of hours calling and talking to countless people including the fraud department i just got a letter from a debt collector over {$45.00}. I gave a tenant renting a room an eviction notice to leave in a week. A day or two later she called XXXX and said her name was XXXX XXXX and that she was my wife XXXX Ive never been married ) they allowed her to set a XXXX or XXXX digit passcode blocking me from my own account. She was an authorized user on the account but not under the name XXXX XXXX. Her and her boyfriend orders all kinds of XXXX and other XXXX shows to XXXX XXXX my account being suspended. Thats when I contacted them and they wouldnt even discuss my account under my social with me. After days of calling they finally listened to what happened and they are the ones who told me about the phone call they got from my wife when she moved she took the XXXX receiver she had in her room I returned all others that were on the account. I thought this was all taken care of between me and them XXXX years ago. Like I told them I dont think I should be responsible for this they should not have allowed her to take over my account without verify any info or taking to me the account holder. That should never have happened
09/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 070XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/2023 True Accord Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request a 1099-C form for the charged-off account associated with the following information : Creditor 's Name : XXXX Account Number : XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. Please forward the completed form to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX If you have any questions or require further clarification regarding this request, I can be reached at ( XXXX ) XXXX or XXXX. Thank you for your prompt attention to this matter. I look forward to receiving the 1099-C form and addressing any necessary tax-related obligations. Sincerely, XXXX XXXX
01/17/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	FL 32216	Web
I am being bombarded and harassed about a payday loan from a company called : TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX USA tel : XXXX TrueAccord is a collection agency. We're reaching out to collect your outstanding balance of {$990.00} with XXXX XXXX. You can pay or sign up for a plan through our convenient website. I NEVER requested any loan in XX/XX/XXXX! Or that entire year! The thing is, I dont recognize this company at all. I know that I applied for an emergency payday loan when our family was in dire trouble back at the end of XXXX. Around XXXX? I paid a company back IN FULL. Now this other payday loan company is just begging me to set up a payment plan for XXXX. I dont know this company, have no records of them and after XXXX XXXX got us sick and destroyed our XXXX, my family is barely getting by as it is. Now these folks show up harassing us for money non-stop is not helping things, much less we dont know who they are! Thats a lot more money too. We have XXXX little XXXX with XXXX and are barely surviving and these people are attacking us. Who are they and why did they show up suddenly blowing up our phone and emails. They are stalking my family. Maybe others know whats going on here or you can help? Thanks for everything you all do!
11/05/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 21227	Web
I'm not sure if this is the correct category, but XXXX different debt collectors are contacting me for the same debt. I setup a payment plan with XXXX XXXX XXXX for a XXXX XXXX credit card debt. I am now receiving texts and emails from True Accord requesting payment for this same account! I have a photographic memory, so when I saw the exact amount of the debt they were requesting, I double checked my payment plan with XXXX and it's for the EXACT same amount and card number ending XXXX. If I didn't remember the amount, I would have setup ANOTHER payment plan for exact same debt. This is absolutely illegal and fraudulent behavior. How can XXXX different companies attempt to collect the same debt?? Either XXXX XXXX double sold my debt, or XXXX and True Accord are intentionally double dipping. How many other consumers have they done this to? How many debts have been double-collected?? Someone needs to investigate this. Should I cancel my repayment plan with XXXX? Who is the real owner of this debt? Have I been scammed and I'm now paying the wrong person XXXX payments?? I literally don't know what to do. I was threatened with legal action, so I set up a payment plan with XXXX and now I'm questioning who I gave my bank account information to!!
06/12/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 63640	Web
On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a XXXX XXXX XXXX as the current creditor - even though I have no relationship to or knowledge of XXXX XXXX XXXX. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.
03/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45230	Web
On XX/XX/XXXX. XXXX, I contacted XXXX to open a dispute about items I never received from from a Company called " The Dir Label. '' The item had been in flux for months and was ordered in XXXX of XXXX. At this point I reached out to the business to tell them to cancel the order. On XX/XX/XXXX, the company sent the items I asked them to cancel and XXXX responded that the dispute was closed because they provided tracking information. Once the item was received I took it back to the post office to refuse the shipment, sending it back to the business. I provided XXXX this screenshot at the time showing item was in transit back to the business via their portal. I also provided them email communications that I had at the time showing I had reached out. XXXX never responded to this evidence and on XX/XX/XXXX, still showed that I owed a debt. I reached out again asking them to take a look into this and they asked me to re-provide evidence. The tracking link is no longer affiliated with that shipment as it is in reuse and the I don't have that email thread that I can locate. However again, I provided this information already in their secure portal. The business won't proceed with my old evidence and instead sent me to debt collections.
06/19/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30318	Web
TrueAccord has violated the FDCPA pursuant to 15 USC 1692C. The debt collector has communicated with me through text messages on several occasions even after I informed the debt collector that I refuse to the pay the debt. I am seeking a {$1500.00} dollars per text message ( communication ) under Telephone Consumer Protection Act. I never provided consent for TrueAccord to communicate and harass me via text message. This is a violation under the Telephone Consumer Protection Act. I stated I refused to pay the debt pursuant to 15 USC 1692C under the FDCPA and TrueAccord continued to send text messages harassing me about the alleged debt. TrueAccord has caused me XXXX XXXX and engaged in harassing behavior. TrueAccord is responsible for compensating me immediately for damaging my mental health and causing distress in my life. Please pay the amount of {$33000.00} which is {$15000.00} per violation ( text messages sent without my consent and served as harassment ) under the Telephone Consumer Protection Act. Twenty-two text messages were sent after I informed TrueAccord I refused to pay the debt. If this matter is not settled, I will proceed with a lawsuit under the FDCPA and TCPA in which damages may be higher.
02/02/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 320XX	Web	Servicemember
True accord contacted me by letter XX/XX/2023 I received it on XX/XX/2023 claiming I owe a debt to XXXX XXXX XXXX and that I can pay the debt to True Accord. I sent a certified letter which was received on XX/XX/2023 by an agent named XXXX XXXX. I was requesting information on the alledged as follows. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to a collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Not only did they not respond but they continued to have collection attempts reported on my credit report the entire time which is a violation of fair debt collection practices.
10/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19104	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern, I am writing to delete the following information off my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make/authorize any of the following charges. I ask that these items be deleted to correct my credit report I reported the theft of my identity to the federal commission trade, and I also have enclosed copies of the federal trade commissions identity theft Affidavit. Please delete the following items as soon as possible. Thank you in advance. Collections : Name : XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. Amount : {$540.00} Fraudulent Accounts : Account Name : XXXX XXXXXXXX XXXX Account date : XX/XX/XXXX Amount : {$540.00} Fraudulent Inquiries : Inquiry Name : XXXX XXXXnquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Personal Loans : Account Name : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX
04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70791	Web
Theres incorrect information on my credit report. I spoke with XXXX XXXX in regards to an collections account for XXXX XXXX XXXX, in which they advised me that True Accord was the secondary agency, handling the account & I would have to call them to payoff the balance. After speaking with an agent at True Accord, he advised me that a payment of {$350.00} was needed to settle the debt and have the collection removed from my credit report. After making the payment on XX/XX/2020, the agent agreed to immediately forward the proof of payment to XXXX XXXX, so that the they can have the collection deleted from my credit report, being that they were the ones who reported it. Prior to making that payment, it was understood that Im in the process of closing on my home and needed everything to be processed swiftly as possible. The agent advised me that I had nothing to worry about, because it would only take but 3-5 business days to be deleted. Its now been past that 3-5 business days mark and both companys XXXX & True Accord are giving me the run around, blaming each other for the delay in deleting the collection from my credit profile. All Im asking is that they please delete, you all have been paid in full.
03/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10308	Web	Older American
On my credit report, I saw a negativeaccountfrom XXXX XXXX, I went ahead and contacted the creditor, but I never receivedany responses. I went ahead and filed a complaint with CFPB, which then I finallyreceived a responsefrom them. In their response they failedto provide the proof that the account belongs to me. They failed to prove that I saw the trueowner of said debt. Insteadthey informedme that this alleged debt was now sold to a third party collection agency, untildate I have never receivedany communicationfrom them that the account was sold. I also never receivedany communication from Ture Accord ( the company XXXXsaid they sold the debt to ) that is a violationof federal law.I can assumethat both XXXXand TrueAccord know that under federal law they are required to inform the alleged person that the debt is being sold and that that person has 30 day to validate the debt, I have never receivedany of that communication. Becausenow XXXX and TrueAccord are in violation of federal law I am requesting this false account be removed from my credit report immediatelyas it does not belong to me. This is no way that a XXXX XXXX XXXX, XXXXXXXX XXXX all parties involved should be ashamed of themselves
09/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
XXXX has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so. First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because XXXX & True Accord are stating that I owe a debt when I do not and XXXX & True Accord are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to XXXX & True Accord are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission. XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me XXXX needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action. Please pay the attached invoice immediately.
01/04/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	WA 98107	Web
On XXXX XX/XX/XXXX, a True Accord agent named XXXX XXXX emailed me a demand payment letter for an outstanding debt from XXXX XXXX XXXX for {$1100.00}. This information from True Accord, a third party agency, refers to an accumulated debt as a direct result of identity theft reported to the Consumer Financial Protection Bureau and to the Federal Trade Commission. All credit reporting agencies have also cross referenced my information as an identity theft victim with three credit reporting agencies per Fair Credit Reporting Act. HoweverXXXX XXXX XXXX XXXX still contacts me pursues debt collection in violation of statutes within the Fair Debt Collection Act. In addition, XXXX XXXX XXXX reinserted the debt as an entry on credit files in XX/XX/XXXX after all three credit reporting agencies had removed the debt after receiving supporting documents validating that the debt occurred as a result of identity theft. As such, I will vigorously exercise my legal rights as an identity theft victim and pursue a legal claim against XXXX XXXX XXXX for contacting me about the debt, and pursuing the debt, and all attempts to collect the debt in addition to all adverse action to my credit.
12/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95824	Web	Older American
I have been getting telephone calls from someone who identifies herself as " XXXX XXXX '' who claims she is a debt collector but refused to give the name of the company with which is was supposedly associated. She said that in order to stop further action on this issue I needed to call XXXX. Then today, I got what was obviously a bogus collections email, from some place claiming to be True Accord ( XXXX, XXXXXXXXXXXX ) and claiming that I owed " XXXX XXXX XXXX the Current Creditor-Debt Purchaser '' {$1400.00} for some balance on an old XXXX account. It claims the account went into default in XXXX ... I have n't done any business with XXXX for about a decade. I was provided with NO PROOF of any debt owed. I looked up True Accord online and found that : " TrueAccord Corp has been sued for using debt collection practices that allegedly violate the FDCPA. '' Since they came back to back, I 'm assuming that the bogus telephone call ( which obviously violated debt collections rules ), and the bogus email which claimed I owed money I do not owe for an account that is over a decade old ( also in violation of debt collections rules ) were from the same company/individual.
08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80234	Web
I 'm receiving weekly emails from a collection agency called True Accord for some bogus charge due to supposed damage to a rental car that I had rented via a company called XXXX ( formally XXXX ). When I returned the car, the owner said I caused damage to the very underside of the front bumper and he was going to file a claim against me for {$800.00}. There is no way I caused any damage to that vehicle and I am not responsible for any damage to the underneath of a car that was not seen during the initial inspection when the car was picked up. My insurance company reviewed the claim and denied it due to no proof that the damage was caused by me. However, this company XXXX continued to demand I pay the {$800.00} damages and a {$150.00} " processing fee ''. They have now turned me into a collection agency, True Accord who are emailing me weekly trying to collect on this amount. This company XXXX, has a class action lawsuit filed against them because they 're " processing fee '' is an incentive to file damage complaints against renters. I am in no way guilty of causing this damage and before they report this on my credit report I would like to get this issue resolved.
08/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DC XXXXX	Web
O. XX/XX/19, I submitted a complaint relative to TrueAccord, a debt collector, regarding attempts to collect a debt not owed. On XX/XX/19 TrueAccord provided a response wherein they requested I provide them with an FTC affidavit to provide to the creditor for an identity theft investigation. On XX/XX/19, I provided via email a copy of the requested document and asked for an update as to the status of the three accounts. On XX/XX/19 XXXX XXXX replied on behalf of TrueAccord and advised that they could not find my information in the systemdespite reporting three accounts opened in my name. On XX/XX/19, I against emailed XXXX requesting a response. On XX/XX/19 XXXX XXXX on behalf of TrueAccord responded via email advising they were reaching out to their client XXXX and would provide an update within 7-10 business days. As of this date, a response had not been received, the accounts remain in my name, and I am no longer receiving response from TrueAccord. If TrueAccord and their client can not provide validation to substantiate that the accounts were in fact opened and authorized by me then they must be closet and I am to be absolved of any further liability.
05/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19380	Web
In XXXX of XXXX , I lost my previous job. I defaulted on a loan from XXXX XXXX . The loan was sold to some company called " XXXX ''. I started receiving emails from a debt collector True Accord, who claimed to be collecting for " XXXX XXXX '' as well as letters and phone calls from XXXX XXXX XXXX XXXX who claimed to be collecting for " XXXX XXXX ''. Believing " XXXX XXXX '' and " XXXX XXXX '' to be the same company, I waited until I was able to afford payments and made arrangements with True Accord. I have made payments for the last 8 months. Yesterday, I received a letter from XXXX XXXX claiming that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my True Accord a ccount which showed that at this point the balance is {$4800.00}. I called XXXX XXXX who claims they have no record of receiving payments and are the sole debt collector for their client. Attached is a screenshot o f True Accord 's p ortal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from XXXX XXXX .
09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60172	Web
XXXX XXXX XXXX has reported a delinquent account on my credit for the amount of {$750.00}. Before I paid the account it was charged off to another company, TrueAccord. TruAccord reached out to me offering to settle the account. I paid TruAccord {$520.00} on XX/XX/2020. I was told that they would notify XXXX XXXX who would then remove it from my credit. After a month I called XXXX XXXX to check the status and they told me that they had not received notice from TrueAccord that I had settled the account and that I should call them. I called TrueAccord to get the process moving and after 1 month and several calls I was informed by TrueAccord that they had given the information to XXXX XXXX. XXXX XXXX still claims that they have received no such notice. I have been calling for months and am always told that the issue going to be escalated, and when nothing happens I call back and it seems like the first time they are hearing about it every time. I have disputed the account several times and it always comes back as the information being correct. I dont know where to turn to fix this issue, but neither companies are even attempting to fix the situation.
01/25/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30019	Web
XXXX XXXX XXXX ( formerly known as XXXX ) gave my personal information without my written consent to a third party debt collector known as True Accord. According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt TrueAccord has email me 7 times and and texted me 6 times this month. They are not on my credit report. This has been exceedingly stressful on my person and I am seeking monetary compensation. According to 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
04/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94115	Web
I received a letter from TrueAccord, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named XXXX. XXXX appears to be either owned or associated with an online lender by the name of the XXXX ( XXXX ). Both entities appear to be managed by XXXX : XXXX references XXXX Tribal Complaint Hotline ; XXXX references the XXXX. According to TrueAccord, the loan in question was made to a person unknown to me, named XXXX, who used my credit details to obtain the loan. I am not sure if XXXX Tribal Councils are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.
12/14/2023	Yes	Debt collection Telecommunications debt	Electronic communications Frequent or repeated messages	AL 36609	Web
I have been contacted several times via email about an alleged debt that I do not owe or a debt that is inaccurate and potentially a result of an impersonation and identity theft by an individual/third-party ( not affiliated with this debt collection company ). The communications are from TrueAccord Corp. regarding an alleged debt to XXXX XXXX XXXX XXXX on or about XX/XX/2018. Furthermore, in the email correspondence TrueAccord has listed personal and private information about me and my address ( that is protected by my partner 's XXXX XXXX orders ) that can not be obtained publicly or linked to me by any means other than that of illegal practices. Moreover, I have never been contacted by XXXX XXXX XXXX or any debt collector regarding this " alleged debt '' prior to this correspondence. I've requested this company to not contact me any further, blocked the sender, but to no avail TrueAccord and its representative known as XXXX XXXX XXXX continue to send communications via email about this debt/matter. This is a direct violation of my rights and remedies available under federal and state law.
10/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 144XX	Web	Older American
XXXX XXXX took out XXXX charges on XXXX for {$19.00}... XXXX for {$9.00} and also on XXXX for {$19.00} which were all fraudulent. I made several phone calls to XXXX notifying them that this was not my charge from a XXXX charge that was not mine. I asked for a proof of debt it was not provided to me, nor anything at all in writing only texts and phone calls after several attempts asking them for something in writing. I also checked my online XXXX orders and there was no order for the fraudulent charge. I received several calls and texts that were also threating and was repeatedly contacted after my bank found in my favor when I filed a dispute and given back my money that they took out that was credited on XXXX in the amount of XXXX XXXX also have a letter that my information was found to be in a date breach which I sent to them and also filled out and XXXX identity theft victim 's complaint and affidavit. And still they kept trying to contact me. Now I received a collection letter from True Accord on XX/XX/XXXX that I now am in collections. I have also submitted a dispute with them as well.
10/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48036	Web
I received an email from XXXX XXXX XXXX on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of XXXX XXXX XXXX. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. I contacted XXXX XXXX XXXX on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to XXXX XXXX XXXX was {$0.00}. Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of XXXX XXXX XXXX.
05/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 804XX	Web
My partner and I moved to XXXX, Colorado in XX/XX/2022. A month later, we went to a XXXX store to change our phone service, which they assured us was serviced in our area. We purchased new phones and a new plan. When we arrived back to our home town, we were out of service. When I called XXXX they told me that our zip code, XXXX, was XXXX dead zone and had to borrow service from the only service towers in our area - none of which belonged to XXXX. After a back and forth with their customer service team, they told us that we coukd return the phones for a full refund and our service would automatically be canceled on a set date. When I called again to confirm, I was told my bill would be {$0.00}, and I wouldn't owe XXXX anything for the inconvenience of selling us a phone and plan, despite them not servicing our area as they had previously mentioned. I received a bill for this amount, {$0.00}. Now, XXXX is attempting to collect {$33.00} from me through their chosen debt collection company, True Accord. They will not allow me to discuss this with anyone but their debt collection company.
02/02/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 983XX	Web
At the end of XXXX, XXXX processed the sale of 2 tickets to a music concert. The person who attempted to sell them, my daughter who is a minor, did not have the authority to do so. I immediately contacted XXXX, who reversed the XXXX transfer ( I will attach copies of this transaction ), shut down the account, and informed me that all charges were waived. Recently I received a message from a debt collector, True Accord, attempting to collect this money that was waved in XXXX by a XXXX employee. so disputed this, which they then rejected. Today I contacted XXXX about this. They admit to having a copy of the phone conversation in which these charges were waived. My request for them to review this phone call was denied. I then asked to have a copy of the phone call myself, which they then declined. So, this company has proof that I dont owe them money, wont review it, and also wont share it with me, the person being recorded. I asked to speak with someone higher up, and was denied. I asked to speak to their fraud department, which was also denied. What am I supposed to do here?
04/06/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 366XX	Web
I sent the collection agency True Accord a cease and Desist letter which included the law ( 15usc 1692c ) on XX/XX/2023. I received communication back that they received the communication on XX/XX/2023. But yet I am still receiving communication from True Accord. I spoke to a representative on today at XX/XX/2023 at XXXX XXXX who verified they received the communication on XX/XX/2023. Also she updated the system. I also spoke with the original owner of this account XXXX XXXX regarding this matter and they supposedly submitted a complaint up stated this action is unacceptable. I spoke to 2 nice representative regarding this unacceptable matter. They texted on XXXX XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; and XX/XX/XXXX XXXX via text. Also XX/XX/XXXX via email. This is willful non compliance ( 15 usc 1681n ). They are harassing me and I'm stressed out this is causing emotional stress. This is real ridiculous and inconsiderate of this company and I think this needs to be handled accordingly.
06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10469	Web
Last year my email account was hacked. When i changed the password and regained control, i began recieving bills in the amount of {$160.00} from XXXX about a power XXXX ticket. I contacted XXXX XXXX and spoke to their management to inform them that the ticket doesn't belong to me, my email was hacked, and none of the information on the profile is mine. XXXX XXXX management assured me that it would be dismissed. Now some time after, True Accord is harrassing me for the same {$160.00} that i don't owe, i sent a debt verification letter and they sent me a document with the wrong name, wrong address, only proper email ; Not to mention they responded later than 30 days which would cause the debt would be deemed void ; attempting to collect a debt that isn't mine with the wrong information. I'd like the company to stop harrassing/threatening me and my credit, dismiss that fee as management said because they understood it had nothing to do with me on my part. True Accord doesnt have any documentation with my signature connecting me to any agreement from the original creditor.
09/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 45224	Web
XXXX was reached to settle two separate debt accounts with TRUEACCORD LLC. I purchased two separate certified checks through my bank on XX/XX/19 payable to TRUEACCORD, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to TRUEACCORD LLC. I received confirmation that TRUEACCORD LLC received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me.
01/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20716	Web
XXXX called me a few months back stating that I didnt pay loans that were taken out. However, I do not directly deal with affirm through the application. 3 loans ( XXXX XXXX XXXX XXXXXXXX ) were taken out under my account. I have submitted bank statements, my personal accounts for XXXX and XXXX detailing that I do not own those loans, and I even took pictures of my credit/banking cards showing that I do not own them. I never received notification about any loans that were taken out and XXXX has pushed off the multiple complaints that I have made even with my proof. The companies solely couldnt help me. One affirm rep told me to screen shot as much as I could but this has yet to help and now I have been referred to 3 different debt agencies. Im all out of options and I refuse to be responsible for a debt that I didnt incur. If someone can please finally help me I would greatly appreciate it. The last time I actually went through the affirm app to make a purchase was XX/XX/2022. XXXX XX/XX/2022 {$93.00} XXXX XX/XX/2022 {$830.00} XXXX XX/XX/2022 {$120.00}
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90250	Web
I have sent 2 physical letters, last letter sent XX/XX/2023 - did not receive a response by mail XX/XX/2023 -Received a response through the CFPB website, I do not agree with the outcome and it does resolve my complaint Went to XXXX XXXX website to report unauthorized account dispute, website would not let me complete XX/XX/2023 - Called XXXX XXXX by telephone was told by a representative that this account belongs to a third party called True Accord could not get that much information about the account history as I could was not giving much of my personal information because I was not consenting to give any of my personal information over the phone, I asked for a supervisor and she told me she would send a link of an affidavit I believe is the word she used to my email never received it, gave it 30 days no response. I just came back to the United States and I have not received anything responses since XXXX from XXXX XXXX True Accord has been harassing and threatening me. True Accord is a third party collection agency that bought this debt from XXXX XXXX
03/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web	Servicemember
On XX/XX/2023 I made a complaint and requested specific detailed information such as the wet signature contract and methods of payment to prove that this is not my debt and I still HAVE NOT RECEIVED them. I have reached out to this company several times to let them know that these accounts are the result of identity theft. My request have continued to be ignored over 8 months now.The documents that were attached to this complaint by them prove that these accounts are fraudulent. My name is incorrect as well as the address, there is no wet signature or any form of evidence proving this belongs to me besides the fact that someone used my personal information. If this company has done a thorough investigation as they say they have then please provide that evidence because right now I dont see anything legitimate that makes this debt mine. I have never had an account with XXXX.I demand that these accounts be closed and disassociated from my name and removed from my credit reports or I will be forced to take a more serious legal action Sincerely, XXXX XXXX
01/29/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	GA 30038	Web
DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/XXXX XXXX : XXXX ( TRUEACCORD XXXX XXXX XXXX, XXXX XXXX, XXXX KS XXXX ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Please remove collection and or update the following accounts and paid, never late. ACCOUNT : 1555 ORIGINAL CREDITOR SPRINT Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
10/07/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL XXXXX	Web	Older American
On XX/XX/2022 I received an email from XXXX XXXX identifying himself as a debt collector stating that he was collecting on behalf of XXXX XXXX XXXX from original creditor XXXX XXXX I received approximately 18 emails regarding the collection of True Accord Account # XXXX and every email XXXX XXXX informed that my aledged account was red flagged from an outstanding debt totaling {$4100.00}. This account XXXX XXXX was discharged and reported to the internal revenue service as an 1099C After receiving the collection emails without my authorization an consent I submitted a request fro validation under the fair ebt Collect FDCPA & FCRA Until this day they are continuing to report unverified information on my consumer file, True Accord also failed to validate the debt as required by federal law and under the new fair credit practices guides lines that are currently being implementation by the consumer fair credit beurer. I am requesting that the CFPB conduct an ivestigation into the unlawful collection practices and negative reporting agencies.
10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91362	Web
In XXXX or XXXX of this year I attempted to obtain a HELOC through XXXX XXXX XXXX. During that process, I was told that my credit score was too low to qualify for a loan. I asked what the reasoning was and they explained that there was a recent delinquent account on my credit that I was unfamiliar with. I asked the representative for a copy of my credit report which was denied. He explained that the creditor was XXXX and it was related to a travel/airline loan which I never applied for or obtained. At the beginning of XXXX I received a letter from a debt collector called " True Accord '', the letter is dated XX/XX/2023 and says I have an outstanding balance of {$3200.00} - which is approximately the amount that I was told that was being indicated as unpaid on my credit report. The " True Accord '' account number is : XXXX. As of today XX/XX/2023 I have filed a police report to document this identity theft. The officer who took the report was XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the report number is : XXXX
04/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	SC 29212	Web	Older American
I contacted XXXX XXXX to help me to determine which of my debts are legitimate. I heard from a company called XXXX, which told me that I had to begin paying on the blll right away. They did not give me any indication about their being legitimate, and the settlement that they offered wasn't any different from what the credit card offered. I have many debts, including a humongous student loan which I've not heard from lately, but which is still on my credit report. I also have a car credit company that is still demanding that I pay on a bill that was long destroyed in a car accident. I mention these things because they still are on my report, and I can't pay them because I have not been hired as a XXXX after XXXX years as a XXXX with a XXXX '' XXXX degree in Education. I am asking for help from you to establish the legitimacy of TrueAccord. Here is their information, from their website : Email : XXXX or call us toll free at XXXX Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX
03/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21206	Web
On XX/XX/XXXX, I submitted an online dispute at XXXX regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from XXXX stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted XXXX customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX is stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' XXXX is neglecting this proof.
12/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
I settled an account an with True Accord, and made the payment to True Accord because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is XXXX XXXX. XXXX XXXX is violating my right to have fair and accurate credit information reported. XXXX XXXX does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. XXXX XXXX is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to True Accord. The account was settled and there is a XXXX balance on the account. XXXX XXXX refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to True Accord not XXXX XXXX.
07/29/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 462XX	Web
XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX using XXXX at check out. Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product Informed XXXX online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX received product and accepted reurn via XXXX XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX and credit bureaus that item has been returned. Shown proof of return product with XXXX. Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name. XXXX Truth in Lending Disclosure ( Contract ) states that all returned goods proceeds goes directly to the loan holder on my behalf
11/10/2019	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	ID 83607	Web
I was turned over to a collection company for the debt I incurred with XXXX XXXX, the collections service was XXXX XXXX XXXX. On XX/XX/2019 I took a settlement amount to pay off my debt and paid the first payment of XXXX. There were to be made two additional payments of the same amount on the first of XXXX and then first of XXXX and with drawn automatically. A week after I made the payment, I began receiving emails for the full balance even though I already took the settlement and made a payment, they were not even acknowledging the payment I made and demanding full balance. I called and spoke with someone and they said it was fixed however it was not. I continued to get demand payment emails and they would not fix the problem. I waited to see of the payments would come out and they did not, only the first payment drafted and then nothing. They will not post the payment I made or honor the debt settlement. They lied to get a payment out of me and then they are not even crediting my account for the payment.
12/02/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 37918	Web
The information supplied is incorrect. No debt is owed. That was not my account number. My account number was XXXX I have not had XXXX XXXX XXXX since XXXX. I moved and their service was not avail at my new location. I told them this prior to moving and they confirmed I owed nothing else. In spite of that XXXX XXXX XXXX continued to bill and tthreaten legal action and after 2 years of arguing with their staff. They saw sense and XXXX out account. Fast forward 5 years from that point and they actually owed ME money that was refunded in XX/XX/XXXX. How do I owe them {$45.00} when they refunded me {$170.00}?!? They dont even have the address correct. The address they listed isnt even where I had original creditors service. That is just the last address they obtained from some other means because I havent even lived at THAT address for XXXX years. I will be attaching with this complaint the equipment return instructions from XXXX showing the account number, and the refund information from XXXX
08/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98664	Web	Older American
On XX/XX/2021 I received an email from XXXX XXXX of TrueAccord, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to XXXX XXXX XXXX. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. The following day, XX/XX/2021, XXXX XXXX of TrueAccord responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.
02/07/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77053	Web
I received an email from a guy named XXXX XXXX, that read, We're TrueAccord, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. Our information shows : Hello, XXXX XXXX. You have an account with XXXX XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I ask them to stop emailing me and I wanted to dispute this debt of 10 years, ago so, mail a physical letter to my home, as I want to dispute it. Instead I got another email, this time from XXXX XXXX, that read, XXXX XXXX XXXX XXXX XXXX placed this outstanding balance with us for collections Hi XXXX, We want to work with you. You have multiple options to resolve this balance of {$1400.00}. I replied to her with the same comments I sent XXXX XXXX and informed her, I would be filing a complaint with CFPB.
12/07/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AR 721XX	Web
TrueAccord is a third party debt collector claiming that I owe them an debt collecting on behalf of another third party debt collector. This is false and misleading pursuant to title 15 1692e ( 12 ). I have no contract between this debt collector. It is an infringement upon my consumer right 's to privacy for this third party debt collector to purchase my information to contact me, this debt collector violating my privacy pursuant to Title 15 USC 1692. This third party debt collector did NOT have any permission to contact to me at any time, violation of Title 15 USC 1692c ( a ). And have communicated with me more then once which violated Title 15 USC 1692b ( 3 ). Every contact states they are a debt collector attempting to collect a debt which is in violation of Title 15 USC 1692b ( 2 ). TrueAccord is constantly harassing me by even stating a owe a debt violating Title 15 USC 1692d ( 2 ). Everything they did was false and misleading, pursuant to Title 15 USC 1692e ( 10 ).
07/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33823	Web	Servicemember
XXXX XXXX from TrueAccord contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with XXXX XXXX which was an account from XXXX XXXX XXXX, all of which is not legitimate. The XXXX XXXX XXXX was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge. I asked True Accord to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from TrueAccord continues to contact me frequently via email on the following dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX True Accord acknowledged receipt of the validation request letter on XX/XX/XXXX. Attached document is the validation request provided to TrueAccord on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. I have not been provided with any validation documents.
10/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 603XX	Web	Servicemember
I received a letter dated for XX/XX/2021 which was sent to my home indicating I owed this company money. I have never entered into a contract with this company nor did I consent to entering one. I sent this company a response on XX/XX/2021 indicating that I will pay any debt I might lawfully owe if the company can produce the required documents by federal law. I have attached my response here as well. 15 USC 1692g - Validation of debts indicates that a debt collection company must produce all documentation within 5 days of initial communication and cease all reporting and collection activity until those items can be produced. It is now XX/XX/2021 and this company has not produced any of the documents and continues to pursue collection activity and has reported information to the credit reporting agencies not only without my permission but in direct violation of the above referenced law. This is also a violation of FDCPA Section 807 False and misleading representation.
04/08/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72903	Web
My account with XXXXXX/XX/XXXX was charged off in XX/XX/XXXX. Beginning in XX/XX/XXXX I began receiving email dunning from True Accord for the debt which had been sold to XXXX XXXX. A certified letter was sent to TrueAccord in XX/XX/XXXX disputing the debt and requesting verification of such debt. After having received the return receipt the collection attempts continued by email. On XX/XX/XXXX I sent notification about the dispute via reply email which is how their communications advised to contact them. That email is attached. Again on XX/XX/XXXX, and XX/XX/XXXX I received emails dunning for payment. Verification was never received and in accordance with the FDCPA further collection attempts can not be made until verification is complete. Ultimately TrueAccord never verified the debt and further transferred it to XX/XX/XXXX, XXXX, and XXXX in XX/XX/XXXXXXXX OK to legal action and a law suit was filed against me for the balance plus attorney fees, and court costs.
06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 350XX	Web
I received an email saying I owed a debt of {$370.00} to XXXX XXXX XXXX. However, I have never had an account with this company and, upon further investigation, learned that the name associated with the account was " XXXX XXXX. '' This is not my name and I don't know anyone by this name. I have also had the email address used by the debt collection agency for many ( ~13 or 14 ) years, so it is unlikely that it ever belonged to anyone else. After googling the name XXXX XXXX it appears that someone of that name died in 2014, so it seems like this may be an old debt rather than a case of a debtor supplying creditors with a false email address. It seems possible that this is simply an attempt to frighten random email addresses into paying off a debt of someone who has been deceased for a while. The debt collection company was TrueAccord, who stated that they were operating on behalf of XXXX XXXX XXXX. The person who emailed me was XXXX XXXX ( XXXX ).
06/06/2019	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	PA 184XX	Web
I started using XXXX advertising on XX/XX/2018 to start marketing my insurance and consulting services. Before signing up, I was told that I would be given {$300.00} in Ad credit which is why I joined. I would not have signed up otherwise if not misled by the company, XXXX. I was given a small bill which was taken out of the {$300.00} and then the following month, XXXX didn't take the money from the remaining credit which was over {$200.00}. Instead, XXXX started referring to the credit as a " bonus '' and after multiple calls to XXXX to fix this issue, nothing happened as XXXX refused to acknowledge the credit. XXXX sent this falsified information that they claim I owe them to a 3rd party reporting agency and started damaging my credit in an attempt to solicit payment from me. I've taken the email correspondence between the company and me and converted them into PDFs for people to see the deceptive practices that were used by XXXX.
05/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 480XX	Web	Servicemember
I ordered a XXXX jacket through the XXXX XXXX paid in full XXXX XXXX payments one for XXXX and the other was XXXX. I never received this jacket. I have disputed with XXXX and XXXX and the post office that misdelivered my package and between all three companies involved no one wants to except accountability. Post office marked my package delivered but it was to the wrong address. I went to the post office and they showed me a map to where the package was delivered and it wasnt my house. Then I was told they not responsible for misdelivered packages. No one would help after numerous disputes with the companies involved. I had no choice but to file a claim with my bank and got a charge back for non receipt of goods. I will not pay for something I never received. Its a shame that XXXX. XXXX and the post office would treat their customers like this. I dont owe XXXX anything I paid for all items ordered except the item I never received.
12/14/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95377	Web	Servicemember
I have reached out to XXXX since XX/XX/2020 in regards to an account on my credit report. When I call they inform me my account has been placed with TrueAccord and their webpage says this as well. I called TrueAccord and emailed and was told they do not have the account that it was sent back to XXXX and directed to contact XXXX. XXXX still shows it is with TrueAccord and gives me their number to call. I can not verify this debt and if I was to verify and confirm ownership I am not able to pay it as no one has the account and keeps referring me back and forth. This is causing a hardship on my family and my credit and neither company will give me the opportunity to resolve and gain information requested. I emailed and Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not know where else to turn and will start emailing the support line at TrueAccord daily until I can receive a response.
06/04/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 92507	Web
True Accord has violated my rights. 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
09/25/2023	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
Around XX/XX/2015 my contract ended with XXXX XXXX. I was wrongfully charged reconnection fees for 5 devices and early termination fees. I disputed the amount with XXXX and they sold the account to XXXX XXXX. XXXX XXXX claims they are a XXXX party who purchased the XXXX account but never sent a copy of the contract to validate the debt with my wet ink or digital signature from XXXX XXXX. I only received an incorrect invoice which I repeatedly disputed. Over the years XXXX XXXX has changed the dates of when the account was opened which is illegal to try and keep the debt newer than it actually is. This debt is over 8 years old and I was just contacted by True Accord. They are still trying to collect on and outdated and incorrect balance. I disputed the information with True Accord and asked them to cease and desist contacting me. Meanwhile I warned them that I was going to file a complaint which is why I'm here today.
06/16/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33157	Web
According to TrueAccord " On XX/XX/2020, TrueAccord sent XXXX XXXX verification documents. We have unsubscribed XXXX XXXX from receiving TrueAccord emails. She will not receive any further emails regarding this account. XXXX will mail XXXX XXXX any requested documents moving forward. As XXXX XXXX has already received the verification documents, she may call our office at XXXX or visit our website to take any further steps regarding her account. '' THE ONLY COMMUNICATION RECEIVED FROM THIS COMPANY HAS BEEN VIA EMAIL ( XX/XX/2020 XXXX. I HAVE EXPLICITLY REQUESTED FOR THEM TO STOP CONTACTING ME VIA EMAIL. I HAVE NOT RECEIVED ANY DOCUMENTS VIA POSTAL MAIL. ANY DOCUMENTS THAT HAVE BEEN SET VIA EMAIL OR ELECTRONIC COMMUNICATION HAVE NOT BEEN RECEIVED AS THEY VIOLATE MY WRITTEN REQUEST TO CEASE ALL FORM OF COMMUNICATION OTHER THAN POSTAL MAIL. AS OF TODAY XXXX/XXXX/202 I HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THIS DEBT.
06/09/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 859XX	Web	Older American, Servicemember
I received an email today from a company I have never had any contact with and they claim I owe money to XXXX XXXX. I have not now or in the past had an account with XXXX XXXX in any state since before XXXX of XXXX and do not currently have an account. I left in a friendly manner before XXXX and owed nothing to them, no loans, no credit cards or any other outstanding account to create an outstanding bill. I left XXXX because of their incompetence but owed them nothing. There are over 26 thousand XXXX XXXX in this country. Their means of contact do not work, phone disconnected, email returned and no information to contact them. The company ( if real ) is " TrueAccord '' XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. This attempt to collect a debt not owed through force and fear, a crime. Further, it is in violation of 15 USC 41 ; sec 1681, et. seq. Simply put, this is a dishonest company trying to extort money.
12/14/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	IL 60644	Web
I currently have an open case through the CFPB XXXX case # XXXX against XXXX Bank. I opened this complaint on XX/XX/2016 and they responded back that they needed more time. Since then XXXX Bank has removed the negative items that 's appearing on my Experian and Equifax bureau and I 'm waiting for the item to drop off TransUnion. So already it 's been a month and XXXX days and I 'm still awaiting the outcome. On today XX/XX/2016 I received a harassing email from a debt collector stating that I owe this debt. I have no clue about this debt collector and they do n't have authorization on this debt or to contact me. Please find that I 've included the email with this complaint. I was never sent information before hand that this debt was sold nor did they contact me to see what 's going on. I 'm confused at this point and I do n't want any communications from this debt collector. I 'm working with the creditor directly.
11/06/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
On XXXX XX/XX/, we received a letter via XXXX from True Accord. True Accord, is a collection agency. The agency refused to provide to me and claims to not have any evidence of the debt, despite having sent the demand for payment. This violates the provisions of FCRA and FDCPA, inter alia. In an email from me to the agency herein named, I disputed the debt. The fact is that the agency can not contact or communicate an alleged debt to a consumer without first having verified the debt. This community from True Accord violates consumer protection laws. In addition, XXXX XXXX XXXX, at no tike, ever sent to me any claim that a debt was owed. This instance is the first instance of communication from a third party or XXXX XXXX XXXX. It is presumed that XXXX XXXX XXXX has shared my personal information with this debt collector without right, without my knowledge or my consent. I intend to recover damages from both parties.
12/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 63116	Web
Email received on XX/XX/XXXXXXXX : Hello, XXXX XXXX XXXX. We're TrueAccord Corp, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. Our information shows : You have an account with XXXX XXXX XXXX. The original creditor was American General Financial Services with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX As of XX/XX/XXXXXXXX you owed {$370.00} Between XX/XX/XXXXXXXX and today You were charged this amount of interest + {$54.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now $ XXXX- This debt was settled in bankruptcy and is no longer owed. They attempted to have me sign a document that is from the lender but I refused. Please assist me in any way you can to make this stop. Thanks
12/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07047	Web
Out of the blue, debt collector TrueAccord sent THREE emails to me collecting THREE separate debts from the SAME utility company, XXXX XXXX, with whom I have not had an account for over seven years. TrueAccord also alleges that one of the debts was from XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX where I have never even lived. One amount is account number XXXX for {$210.00}, another is acct # XXXX for {$160.00} and the last is account number XXXX for {$430.00}. I have no idea where they got my name or email address from but I have asked for proof of the debt and have heard nothing back. I am fearful that TrueAccord will or already has marked my credit for a debt I do not owe and will continue to bombard my email address with unwarranted debt collection notices, or even escalate their attempts, as it is not possible to dispute the debt using the link they provide in their email, without providing one 's phone number.
03/12/2016	Yes	Payday loan	Charged fees or interest I didn't expect	MN 55304	Web
A payday loan from over 2 years ago from an illegal lender ( no lending license in Minnesota ) called XXXX has sold my contact information to various companies trying to extract a payment from me when I owe nothing more on this former loan. The latest company is called TrueAccord calls from XXXX, XXXX and then text me from XXXX asking me to click onto a link and make a large payment and have called me as well. I do not owe XXXX anything as they are illegal in Minnesota and I do not have to pay anything more than I already paid them 2 years ago. They are saying I suddenly owe a debt of {$1000.00} and that is absolutely not true. They are an unlicensed lender for Minnesota residents. I have had this same sort of call and threat from multiple debt collecters or scammers on behalf of XXXX many times in the last two years and have also filed complaints with the MN attorney general and the minnesota dept of commerce.
03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 206XX	Web	Servicemember
XXXX XXXX sold my information to TruAccord without written consent. This is in attempt to collect a debt that is reporting in various companies on 3 different reports. However, the policy reads as follows. We collect personal information to provide our services. We do not sell personal information. If you are a business contact, most of the information we have was provided to us by you or your organization and/or collected directly through the use of our website. If you are a consumer in collection, most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you are an applicant or employee, most of the information we have was provided to us by you through the application or employment process. For more details on how we use, share, and delete personal information see our Privacy Policy.
11/08/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75243	Web
On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 76016	Web	Servicemember
On XX/XX/XXXX made purchase through XXXX proceeded to check out was asked if I wanted to be approved through affirm, I was approved and stated my account would be transferred to affirm. Next day my XXXX dollar purchase was with drawn from my own personal account through XXXX. I alerted affirm and XXXX! XXXX stated XXXX said purchase was accurate even after i provide transactions from my bank .I provide transaction numbers to both parties showing where it had been taken from my personal account.. I spoke to XXXX representative stated they saw where they had came from my account but could not contact affirm I needed to. XXXX will not cancel the loan because they stated they had sent funds to XXXX. They need to verify the account and neither party has every time i reach out and it has been disputed with the collection agency and they stated affirm confirmed account but did not provide record of this
02/15/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	KY 41005	Web	Older American
Since XX/XX/XXXX I have received 6 emails from XXXX XXXX of XXXX ( XXXXXXXX XXXX XXXX XXXX ). It may have begun sooner but I kept dumping them because I assumed they are phishing. Now they have become a nuisance. According to XXXX, I owe a balance of {$990.00} to XXXX XXXX. The email says this was an original account with XXXX XXXXXXXXXXXX XXXX XXXX and provides the last 4 numbers of an account. The email also says because of the age of the debt, I can't be sued for it and it can't be reported to a credit reporting agency. For more than 2 decades, we have never carried ANY balance on any account. We have been completely debt-free. The dates of emails from them are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I've taken a screen print of the XX/XX/XXXX email. Had to scan it in 2 pictures ( top and bottom ) I have reported this to Kentucky 's Attorney General 's office as well.
06/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90064	Web
XX/XX/2020: I attempted a payment for rent in the amount of {$5000.00}. This payment is facilitated by a third party, XXXX XXXX. XX/XX/2020 : The payment fails to complete. XX/XX/2020 : I receive an email from TrueAccord notifying me of a debt. XX/XX/2020 : I pay the debt in full directly to XXXX XXXX. XX/XX/2020 : I reply to the XXXX email, disputing the debt as settled directly with XXXX XXXX. XX/XX/2020 : TrueAccord responds with proof of debt which predates the payment to XXXX. I reply and dispute again. XX/XX/2020 : TrueAccord responds with proof of debt which predates the payment to XXXX. I reply and dispute again, then file this complaint. In my view, this violates 15 U.S.C. 1692g ( b ), which requires verification of disputed debts. Company information : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX XXXX
04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92377	Web
Hello there is a company, TrueAccord that is requesting payment for two charges. One is for XXXX XXXX in the amount of {$610.00} and the other is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$400.00}. I was the victim of identity theft in 2008, when my ID was either lost or stolen. Someone obtain my ID and wrote fraudulent checks under my name. At the time the checks were written, my ID had expired and both companies still accepted the checks without a valid ID. Almost 13 years later, I'm receiving collection emails for a debt that was a result of identity theft. I want this company to stop reaching out to me asking for money. I have worked really hard to keep my credit excellent and I don't want anything on my credit report to tarnish my name. TrueAccord and XXXX XXXX XXXX XXXX should be ashamed of themselves for going after someone that has been victimized.
01/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 91762	Web	Servicemember
I was on a payment plan with XXXX XXXX that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. XXXX added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from True Accord debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.
07/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55014	Web
The company by the name of True Accord has been sending me emails frequently about a loan account that they stated I have a balance of and owe. I sent them a letter requesting that they validate this debt that they say I owe. The letter arrived on XX/XX/XXXX & the company signed for the document.I 30 waited days to give them time to investigate. They had until XX/XX/XXXX from the date they received it to send me documentation that this debt is mine. They never responded within that 30 days or provided any evidence .Where is the documentation? I have reached out to XXXX who True Accord is saying they have verified this account with. I have no idea of this account and it is negatively affecting my ability to qualify for a home loan!! How are you verifying this account? They're clearly in violating under the FCRA. I will file a suit if this isn't corrected by the law
02/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11201	Web
I have never lived at the Adress associated with this account because it is not mine, as I am a victims of identity theft as the result of a burglary. In XX/XX/XXXX, my hotel room was robbed while I was sleeping and I was also assaulted physically and XXXX. At that time, I lost my wallet which contained my social security identification card, drivers license, all my credit and debit cards, and my XXXX XXXX University card which had my old university email address on it. I graduated so I no longer check this email regularly so I didnt notice that TrueAccord had opened a collections account in my name until XX/XX/XXXX, at which point I immediately disputed the debt and filed an identity theft report. Its been over 2 months and I have yet to hear back from true accord on my request for deletion of this account and removal of all negative reporting to credit bureaus.
01/15/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 48066	Web
I received notice via email on XX/XX/2024 from TrueAccord stating that they are trying to collect a debt that I allegedly owe ( XXXX ). The debt is originally from collection agency XXXX XXXX XXXX, XXXX and If I do not respond by XX/XX/2024 they will assume that the allegations are correct. This company has failed to provide me with documentation that concludes sufficient validity of this debt. Secondly, this collection agency is not licensed to collect in Michigan. Debt collectors must be licensed in the State of Michigan, if they are collecting the debts of others, unless the collection activities are limited to interstate communications. MCL 339.904 ( 1 ). If further collection tactics persist I will be obligated to forward it over to my attorneyIn regards to libel, opposing on a legally binding document, civil liability for negligent noncompliance, etc.
05/18/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KY 42420	Web
Tru accord sent an email with the collectors name in the header. Tru accord failed to use any sort of identity verification or disclaimer before email was opened. Inside of email stated to disregard email if this was sent to the wrong email then provided all debt and personal information under the disclaimer. I contacted the company and was told that all contact information was " assumed '' correct and that they did not have to verify or have verification steps before giving debt and personal information. I explained that I would like to have their fdcpa policy sent to me and was told that they couldn't provide this information. Once I explained that a small deviation in the email address name could result in the wrong party receiving personal information i was once again told that it wasn't their problem and that it was given to them and assumed accurate.
08/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
In accordance with the Fair Credit Reporting act TrueAccord Corp has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am a victim of identity theft. 1. This is not my debt. 2. I am a victim of identity theft. 3. I request TrueAccord Corp send me records stating the collection of this debt is mine. A wet signature. 4. The total balance and complete payment history. Including an explanation of any interest charges and additional fees. 5 The charge off of the original creditor. 6. A copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft. 7. I request records showing. That TrueAccord has the right to seek collection of this debt.
09/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 351XX	Web
On XX/XX/2022, i received an email from a company called TrueAccord located in XXXX KS stating that i owed {$1000.00} to a company called XXXX XXXX XXXX who is the current creditor to XXXX XXXXXXXX XXXX who originally owned this debt. i responded that i had no idea who TrueAccord was, who XXXX XXXX XXXX is or who XXXX XXXXXXXX XXXX is. I also let them know that I have never had an account with XXXX XXXXXXXX XXXX. I asked for proof of the debt and received a message that TrueAccord was suspending collection efforts and also asked several personal questions which i did not answer. I begin to receive collection efforts via email again on XX/XX/2022 via email. All communication has been to my work email not my personal email. I would like for these communications to cease unless someone can show me proof that this debt even exists. Regards, XXXX XXXX
08/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 410XX	Web
XXXX is working through True Accord to collect a debt, they claim amounts to {$610.00}. I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX. I have previous statements from that time. I spoke with local bank tellers multiple times. The bank did refund some overdraft fees at first. Then they would not allow me to close the account. My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year. The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account. I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.
04/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV XXXXX	Web
I received a notice dated XX/XX/2022 in XXXX from XXXX XXXX XXXX regarding an alleged debt. I called XXXX to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by XXXX on XX/XX/2022. I received no response until today XX/XX/2022, when a new company, TrueAccord, attempted to collect the debt via email. They made no mention of my dispute. TrueAccord 's email did not make it clear what their affiliation is with XXXX XXXX XXXX and whether or not they are one and the same ; therefore, because TrueAccord attempted to collect the debt without providing the requested proof ( a request which was received over 60 days ago ), I am reporting both companies.
09/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 329XX	Web	Servicemember
I took out a personal loan refinanced that loan last year then XXXX did a debt consolidation on loan my credit union sent out payment XXXX XXXX returned payment XX/XX/XXXX and XX/XX/XXXX meanwhile it showed paid they allowed me to take another loan I did now they reported to the bureaus that my acct as a charge off hurting my credit I just got notified of this report 4 months later they never contacted me it was reversed they turned over to collection agency I make payments for past loan now and current loan never been late and they reported me to credit bureaus at charge off with no notification hindering me getting my VA home loan I have contacted XXXX XXXX they can't tell me why it's reported charge off or why I was not notified I want the charge off removed as I agreed to pay past loan offbin full as I am already making payments please help
01/03/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	HI 96734	Web
Until XXXX XXXX XXXX, my wife and I had cable with XXXX. I ( XXXX XXXX ) paid monthly by credit card, and the bill had my wife 's XXXX XXXX XXXX XXXX name on it. We closed that account, a process that took hours given the ineffeciency of that company. After paying our last bills and getting confirmation that we did not owe anything, that was it. We made sure multiple times that we did not owe anything. We had just sold our house and moved to a place outside of their service area. We have not even had incidental contact with XXXX. There is no possibility of using their service by accident. Then this morning I received an email from True Accord, their automated debt collection service, for {$49.00}. We do not owe this money and have not had contact with XXXX since XX/XX/2022. We have moved away and have no relationship with this company.
11/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 726XX	Web
This company is illegally trying to collect a debt that was XXXX in a bankruptcy chapter XXXX back in XXXX. It has been 18-19 years since this was discharged. Statute of limitations also prevents this company from continuing to contact me. There first contact was XX/XX/XXXX, then again on XX/XX/XXXX. XXXX ( XXXX XXXX XXXX sold this debt After Discharge and opened it up after it was written off. This company needs to cease any and all further contact. There attempts to get me to respond to There shenanigans which will open this debt and put it back on my credit report is XXXX. They need to stop NOW. I no longer have paperwork on the bankruptcy due to it being over 15 years almost XXXX years old. So how am I to send proof when it has already fallen off credit report and I no longer live in CA, and am not required to keep copies past 10 years.!!
07/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85308	Web
True Accord has attempted to contact me through my wifes personal email address and they violated the TCPA by sending me unsolicited sms text messages about a debt from XXXX satellite service which I never incurred and is not listed on my credit report. I responded the to email requesting to dispute the debt but they replied that they will only continue if provide my mailing address for a dispute confirmation letter. I refuse to release my personal information and requested they email me confirmation. They never did. About a month had passed and they began to sms text message me again stating they will settle the debt and offer a partial write off. I dont have an unpaid debt to write off. I have never had a satellite subscription ever. If True Accord is a legitimate business, they need to be heavily audited and fined for violations.
08/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90650	Web	Servicemember
Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX, XXXX. Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to XXXX XXXXXXXX Card Bank Transfer Credit or Debit All fields required. Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX Hotels for the amount of {$120.00}. I immediately cancelled the reservation. XXXX XXXX has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. Now it is in collection via TrueAccord. TrueAccord at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. I will not pay them for a service that was not provided to me whatsoever. .
07/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07047	Web
I've received multiple phone calls from TrueAccord Corp regarding an old debt which was due to XXXX XXXX XXXX on behalf of XXXX, XXXX in the amount of {$600.00}. This debt was settled many years ago with a settlement, for which I no longer have the paperwork. The rep I spoke to today, XXXX at TrueAccord ( XXXX XXXX ) is aware that this debt is NOT valid and stated that they do not report anything to credit agencies but is unaware if XXXX does any reporting to any such agencies. She suggested I contact you as I've learned that TrueAccord has a horrendous record of reporting false information on old, no longer valid, debts. I've requested a current copy of my credit report as well. Would you suggest any other steps I could or should take? Please let me know. My email is XXXX and my cell is XXXX. Thanks for your assistance.
07/12/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 312XX	Web
On XX/XX/2017 I received a welcome email for a SECURED credit card with XXXX XXXX, so I am assuming thats when the card was opened. My opening deposit was {$250.00}. I used the card and all of my {$250.00} and I didnt make any payments. Eventually the account was closed and turned over to a collection agency. They are stating that I owe {$210.00}. I feel I do not owe this money because credit was NEVER extended to me. I was told that whatever balance that was left on the account will be taken out of my {$250.00} and the rest returned to me. Ive disputed with the collection agency True Accord and they only sent me 5 statements as proof that I owe. I would like to see ALL statements from beginning to end. They email me constantly and insist I owe money. How can I owe when it was my money that was being used as credit???
02/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80031	Web
XXXX XXXX has been harassing me stating they overpaid me on a sale of tickets. I have proof that the amount paid was the correct amount that I sold the tickets for. They state they overpaid me by {$110.00} and have now turn this over to a debt collection agency. This is completely a false and bold lie on the part of XXXX and the debt collector trying to get {$110.00} from me. The debt collection agency is Trueaccord and the person who sent me the false email is XXXX XXXX The last photo is the transaction is question. It shows the amount that was paid to me from XXXX of {$76.00} which is the amount i sold the 2 tickets for. XXXX claims they overpaid me by the {$110.00}. This is a 100 % false lie. More proof can be given and shown when requested. XXXX and true accord are are attempting to collect monies not owed to them
07/28/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75035	Web
This company contacted me via their various alliases. I asked them to provide a validation and they produced a letter from another company. I do not know this company never had a relationship with this company and believe that they are attempting to extort me for monies I am not responsible. They should not have my information and they are attempting identity theft. They have absolutely no reason to be contacting me as I have requested validation on XX/XX/2021 they sent a fraudulant email on XX/XX/2021 not only totally out of compilance of their governing bodies compilance and procedure but not validation of all requested information and keep attempting to defraud and educated consumer. Enclosed you will find all of my exhibits and invoice. My certified copy is enclosed as I know the legal progess starts in the mail.
09/07/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30008	Web
On XX/XX/21, I received an email from XXXX XXXX, representing TrueAccord, XXXX XXXX and XXXX XXXX XXXX for a credit card debt. I immediately sent an email disputing the debt and demanding validation. I received a response on XXXXthat all collections would cease until I received the validation. On XX/XX/21 I received another email demanding resolution of debt prior to be turned over to a lawyer. I still do NOT have the validation and it is showing on my credit as an open collection vs. a disputed item. I want this removed from my credit report, the debt balance to be voided out and a letter proving this has been completed. If not, I will be seeking legal counsel to assist in filing a lawsuit for the violations of the FDCPA and FCRA for not providing proof of the debt, harassment, and attempts to collect such debt.
03/25/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19133	Web
I have received 4 emails from the collection company called trueaccord. This company has not sent me out an initial letter alerting me to my rights to dispute or validate the debt. It seems with them sending emails, theyre skipping over my rights to request theyre even authorized to collect on this alleged debt. I responded to their email after I got the 3rd one on XX/XX/19 requesting they first send out the initial letter so I can request validation. No where in the email does it state I have the right to request validation. Tonight I received another email stating I owe money and they will work out a payment plan. Once again Im not even sure what alleged debt this is and once again they have not given me notice of my rights to request validation. This is incredibly unprofessional and borderline against the law.
11/08/2019	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 946XX	Web
I received emails from TrueAccord Corporation starting on XX/XX/2019 thru XX/XX/2019 about an alleged credit card debt owed that they wanted me to pay. My reply to these emails received were letters I sent to TrueAccord Corporation from XX/XX/19 thru XX/XX/19 asking them to please document and verify the alleged debt. Each letter sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law. TrueAccord Corporation response to my request was to send me account summary documents and more emails requesting I pay the alleged debt. I never received verification of this alleged debt. Would you please investigate this? Disbuting the debt.
03/21/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WA 990XX	Web
I got on my bank account today to see about getting groceries. And I noticed that I had an overdraft charge, but my account still stated that I had {$300.00} balance with a negative {$140.00} available. I have 6 pending charges, each at {$75.00} from XXXX XXXX agency. I do have an agreement of autopay at {$75.00} per month. I have submitted an email to this company in regards to the over charging. I also had gotten onto their website to view my account and it also states there of the 6 payments that I had not authorized. I have attached my bank statement showing the multiple pending charges and the overdraft charge along with the account/payment information from the collection agency showing all payments at {$75.00} per month until XX/XX/2021 with 2 pending payments and XX/XX/2021 with 4 more pending payments.
11/03/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95618	Web
Because of this identity theft it has ruined my life those creditwise and the mental toll it is taken on me the debt is for over XXXX for a cellular phone service with XXXX XXXX I have turned in every single police report the FTC reports the IRS reports and it addition the report of the gentleman who opened these accounts and stole my identity during the XXXX breach has been arrested I still get hit with delinquent notices on my credit report every month and I just keep getting the emails from the credit people who the debt was sold to and they want {$2700.00} and they keep saying oh well these are different ways you can pay off the debt but the debt isn't mine and I've done everything to prove this to be the case I've done three different disputes with the credit agency nothing is helping it is not my debt
09/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92128	Web
I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called XXXX XXXX that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.
07/28/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 07111	Web
I was contacted by a company known as True Accord which prompted my first request for intervention by XXXX in the month of XXXX. I requested for a validation of this debt by provision of my contractual agreement of the loan and the authorization of the company to contact me and request for payment. In the same month of XXXX, I received a letter from a different company known as XXXX XXXX XXXX XXXX XXXX. This company is total different from True Accord and made no refence to True Accord which is the Company that I responded. This is a misleading and false representation of debt and Agency. I perceived this act as an attempt to scam me. I hereby request that True Accord provide me with the validation documents request.. XXXX XXXX XXXX XXXX has no XXXX XXXX to respond to a matter not connected to them.
06/02/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 945XX	Web	Older American
I received two emails today from TrueAccord XXXX XXXX regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXX XXXX I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.
11/28/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 190XX	Web
I received an unsolicited email from someone named XXXX XXXX saying that they were from True Accord. I did not recognize anything about what they claim was owed. There was an address listed for them so I drafted a letter requesting specifics of this alleged debt and sent it via USPS certified mail on XX/XX/. The tracking informed me that the letter was received on XX/XX/. I have not received anything in response via mail as was requested yet I am still being contacted by this individual, the last communication being what has prompted this complaint. The email address sending these email is XXXX. I feel the need to bring this to someones attention to get this to stop. If they are breaking some type of law, I would like to know that and whether or not damages can be pursued. Thank you for your time
02/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94591	Web
Hello, I have received a notice from True Accord about making amends to a debt that was previously established by me. The account is reporting negatively on my credit. I was offered a settlement through email and given 6 months to make payments. I want to make an offer which is greater then what they offered me in a single payment. I am requesting a payment for deletion. I have sent emails as well as the company that is assisting me with the ordeal .... its been over a month and no one is getting back to us. I have spoke to someone via email name XXXX and XXXX. Again, I would like to pay the account but no one is getting back to me and the account is still reporting negatively on my credit. The account number is XXXX I am reaching out to you in hopes that you have another way to reach someone.
01/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33486	Web
On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email from TrueAccord stating that I have an account with XX/XX/XXXX ( originally XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and that they are trying to collect an old debt on their behalf. I do not owe this dept, I have none past due to any entity and they state my address as XXXX XXXX XXXX XXXX, XXXX FL ( I do not live at this address nor have I ever been to XXXX Florida ). They state I owe {$2100.00} from XX/XX/XXXX, including interest. I am assuming that this is a scam and DO NOT WANT TO RESPOND TO THEM FOR THAT REASON! When I attempted to research them, all of the articles about them are written BY THEM so of no good. There supposed contact info is : Email : XXXX Phone : ( XXXX ) XXXX XXXX M-F est Mail : XXXX XXXX XXXX, XXXX, KS Please advise!
09/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30005	Web	Servicemember
XXXX XXXX XXXX has recently retained TrueAccord to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. TrueAccord sent an UNDATED notice to respond by XX/XX/2022. TrueAccord has failed to validate the debt and also provide verification of debt as required by law. I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXXXXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXXXXXX XXXX XXXX XXXX. At no time does XXXX XXXX XXXX XXXX appear on my credit reports for any such account ending in XXXX.
01/08/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 925XX	Web
I received 19 emails from, the company True Accord, from XXXX to XXXX. A Violation of 15 U.S.C. 1692c ( a ). Within those emails are, a minimu m total of 7 federal law violations, per email. True Accord furnished an account that was created from a credit card. A violation of 15 U.S.C. 1681a ( 2 ) ( b ) True Accord used profane language in their communication with me. A violation of 15 U.S.C. 1692d ( 2 ) True Accord, claiming that I owe a debt, is a violation of 15 U.S.C. 1692b ( 2 ) True Accord is using deceptive means to collect on a debt that is not mine. A violation of 15 U.S.C. 1692e ( 10 ) True Accord has caused damage to my credit reputation. A violation of 15 U.S.C. 1692d ( 1 ) The amount that True Accord says I am obligated to pay is a violation of 15 U.S.C. 1692e ( 2 ) ( a )
08/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85541	Web	Older American
True Accord Collection Agency-account numberXXXX You currently owe {$930.00} to XXXX XXXX XXXX. You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. This debt came from a XXXX XXXX purchase you made. XXXX XXXX XXXX was the lender that XXXX XXXX used for financing. XXXX XXXX XXXX was the original creditor. When your debt was overdue, XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX who currently owns this balance. XXXX XXXX XXXX has asked TrueAccord to help you resolve this balance. That's how you got to us. You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you. View My Options-Disputed
09/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 314XX	Web
A company reached out to my eldest daughter regarding a debt that they state I owe to XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for years, so I am not certain what debt they are speaking of and why they contacted my eldest daughter instead of myself. I have had clear credit - no debts- for at least two years now as I worked to clean up my credit rating. Information from the email my daughter received and forwarded to me : From : XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX AM Subject : XXXX XXXX, important reminder To : XXXX XXXX XXXX XXXX ( NOT my email address ) Your TrueAccord account number is : xx-xx-xxxx-xxxxx - We don't want to see your balance of {$8300.00} be taken back by XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ).
07/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30134	Web	Servicemember
I received an email from a XXXX XXXX regarding a XXXX XXXX XXXX card that I have never had in my life. It states that True Accord is a 3rd party debt collection agency, working on behalf of XXXX XXXX. It states that no attorney has personally reviewed this account, if I fail to reach out to them, they may forward it to a local attorney for the purposes of filing suit. I take offense to this language very much so. Especially since the debt doesn't belong to me. I do not know who it belongs to, but it doesn't belong to me at all. I am not going to verify any information with them. They should be able to verify it, which they won't, because the debt doesn't belong to me at all. I have been a victim of identity theft for over 5 years. I am attaching my police report and nothing else.
11/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 67217	Web
I have received repeated e-mails from " TrueAccord '' about a debt I do not owe. I contacted True Accord on XX/XX/19 and spoke with a " XXXX '' and advised her I had credit protection on this credit card and that I had been hospitalized in XXXX and have been receiving care since then as I am XXXX XXXX. Due to this, my credit protection should pay this off in its entirety because I became XXXX XXXX for a date that the originally approved a claim on. XXXX was completely rude, continued to badger me. A copy of the call is attached. This companies stance seems to be that they have no requirement under XXXX to initiate a dispute and so their purpose is literally for no other reason than to harass people and effectively extort them to pay something they should not be liable for!
09/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AR 721XX	Web
Pursuant to 15 usc 1692b TrueAccord is a 3rd-party debt collector they've stated I owe an alleged debt to XXXX. I've never done business with this company, but they are trying to acquire an alleged debt. I've never done business with neither company this alleged debt arise from. TrueAccord has repeatedly harassed me by email. I have 42 emails to be exact from this debt collector. Pursuant to 15 usc 1692f this is unfair unconscionable act this is also identity theft due to the fact that I've never done business with TrueAccord Pursuant to 15 usc 6802 XXXX has violated my rights by providing my personal information to TrueAccord Trueaccord is also in violation of 15 usc 1692c because I XXXX XXXX did not give TrueAccord my consent to communicate with me about alleged debt.
11/23/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web	Older American
According to what they sent, while attempting to collect a debt they state I owe. Their information in their introduction letter ( email ) didn't meet the CFPB notification rules. On XX/XX/2023 I was sent an introduction email not a validation letter. Their email has a non-verified amount.. It doesn't include the account number to said account. No itemization of current amount of the debt owed that reflects interest, fees, payments and credits since a particular date. The current amount of the debt when the notice is provide. No end date for a XXXX period when I can dispute the debt. I do not want to contact this collection agency. Id rather report this claim, because of their failure to provide the necessary and correct information in their attempt to collect a debt.
07/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77071	Web	Older American
I received an email from a man called XXXX XXXX who works for a debt collection company called True Accord. True Accord is located at XXXX XXXX XXXX, CA XXXX. The message claimed that I had purchased a product called XXXX from a company called XXXX XXXX, a skincare company. I had no knowledge of XXXX or the product. ON searching the internet I found out that XXXX XXXX is a skin care company. I also discovered that the product I was supposed to have bought was a supplement designed to build muscles! I absolutely refute that I purchased any product and especially XXXX called XXXX In XXXX years I have never failed to pay a debt and I have always paid on time. I am puzzled as to how XXXX XXXX came by my information and how it convinced True Accord that I owed them a debt.
12/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85021	Web
XXXX has CONTINUOUSLY disregarded all of my disputes of an account NOT being mine. When I reported to the company that my Identity was stolen they disregarded that and continued to report that I owed this balance that is due. I PAID THE BALANCE ON XX/XX/2022 IN THE AMOUNT OF {$280.00}! I PAID IT TO TRUE ACCORD WHICH IS THE COMPANY THAT THIS DEBT WAS SOLD TO! XXXX and TRUE ACCORD has failed to report to XXXX that the balance is now {$0.00} and this account is no longer in collections! I have reached out to ALL 3 COMPANIES numerous times as well as submitting NUMEROUS disputes! Well XXXX just responded to XXXX that the information CURRENTLY reported is correct they VERIFIED that this information is correct which is a complete LIE! Please see the 2 attached screenshots!!!!
06/03/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 55122	Web
I was on a payment plan with TrueAccord. Making monthly payments on time from XX/XX/2020 to XX/XX/2020, My final payment was to be in XX/XX/XXXX. On XX/XX/XXXX I received an email stating Please be aware that there was an error in processing payments that resulted in a payment being charged multiple times. they charged me the {$66.00} four times on top of the XXXX owed. XX/XX/XXXX they sent an email We had a system glitch that resulted in the payment plan for your XXXX XXXX XXXX account being mistakenly cancelled. Due to the error, you will need to set up a new payment plan for the remainder of your {$210.00} balance. By the time I contacted them they had passed the debt onto another collections agency. ( XXXX XXXX XXXX XXXX ) And said there was nothing they could do.
05/13/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 136XX	Web
I received numerous emails and calls from TrueAccord. On XX/XX/2021, I replied to the email stating, " I don't consent to being contacted at all '' by the company, so no phone calls, text messages, or emails about the supposed debt. By XX/XX/2021, I received an additional six letters in the mail from TrueAccord despite asking them to not contact me or anyone I know. I reiterated this to them and clarified on this date that I would seek compensation for violation of my FDCPA rights if they continued contacting me. Today, XX/XX/2021, I received three additional text messages from TrueAccord, again trying to collect a debt that I've never even made aware of. ( Their messages just keep stating that they're trying to collect a debt but never told me who, how, why, etc )
12/15/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19139	Web
I purchased an XXXX computer from XXXX XXXX XXXX. On the day of delivery I received an email stating that the package was delivered, I knew not to be true cause I was sitting on my porch waiting for the product. Once I realized my package was delivered elsewhere, I immediately contact XXXX who told me it would be resolved in XXXX weeks due to an investigation. After XXXX weeks I was told by XXXX there is nothing they can do and it will be reported on my credit if I didn't pay. After countless phone calls, a derogatory impaction was submitted to my XXXX XXXX by the debt collector TRUE ACCORD, who told me that they have no control over the debt but to do what XXXX tells them to do. This whole process has been a year-long process of false and unfair credit reporting.
08/28/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30047	Web
This company has been attempting to Steal money from me since 2016. In 2016 I purchased a riding lawn mower and a leaf blower from XXXX. Both items were defective and therefore I immediately contacted the company, they stated that it was no longer their problem and to speak to my local dealer to " see what they can do ''. After months of going back and forth I decided to return both items, And I did. I submitted two CFPB claims during the situation in 2016 ( CLAIM NUMBERS : XXXX and XXXX ). Now XXXX years later this company is again trying to take money it is not owed by sending it to a collection agency. This collection account is false and can be considered fraud. I will not be paying as I returned the defective items they refused to exchange or repair for me.
02/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90048	Web
I have been receiving emails for over a year now from a company called TRUE ACCORD ( trueaccord.com ) which seems like a debt collections company. They tell me I have a XXXX balance due and if I dont pay it, it will be reported on my credit. I reached out to XXXX because this was something I was very unaware of, and they looked into my account and said that 1. I have never had a balance due and 2. They dont use any collection companies to collect debt. I have emails as proof. I am not reporting this for me, but for the other thousands of people who must be receiving these emails during an economic financial crisis, and are getting scammed into paying these bills they can not afford in fear of their credit being lowered. Please do your best to fix this.
02/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85043	Web
TrueAccord sent mail I received on XX/XX/2022 regarding a fraudulent account in my name. XXXX XXXX XXXX said on XX/XX/2022 a few days earlier states that they own the debt, and TrueAccord hints at them owning the debt. Reference # XXXX, account # ending in XXXX. I want to know who actually owns the debt, and if TrueAccord owns the debt, I request a full validation. If not, I want them to cease all inquiries. TrueAccord stated that by XX/XX/2022 that this debt will go into collections. So who owns the debt? If XXXX XXXX XXXX owns this debt, I also need to know. I have been lied to and threatened so many times by this issue Im not sure. This debt has been sold and moved too many times to tell whos telling the truth. Both inquires are attached for reference.
06/19/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 191XX	Web
Starting in XXXX 2016, I began receiving emails from XXXX XXXX XXXX, stating they were collecting on behalf of XXXX XXXX XXXX, a debt of roughly {$600.00}. Communication was addressed to XXXX XXXX, which is not my correct name. This is also not my debt, account, or anything to do with me personally. When I responded, stating that this was not me, and there was some kind of mistake, the email rate went up to a level of at least one per day, with different names attached to each email so there was no way to block them. I get no personal response, only continued emails that become more frightening over time. Without the response, I 'm not sure if this was just a mistake of an incorrect email address being used, or if this is an attempt at identity fraud.
01/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92646	Web
This company refuses to provide me any information about this debt. Continually harasses me. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Hello, I am requesting the original wet signature purchase agreement that shows you are the legal owner of this alleged debt. Thank you, XXXX -- XXXX XXXX ( XXXX ) XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, Im sorry for any confusion about our email, but Im happy to clear things up for you. We are TrueAccord, a XXXX party collections agency, working on behalf of XXXX to help collect on this outstanding balance. We are happy to work with you to get this account resolved for the outstanding {$26.00}, but requests for compensation, refunds can not be resolved with TrueAccord. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
02/26/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CT 06114	Web
An unauthorized credit transaction was done with my credit card as defined under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there was a finance charge involved as defined XXXX ( XXXX ). An alleged debt has been placed on my persons, which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX, because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or XXXX parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt XXXX have imminently invaded on consumers legally protected interest.
11/13/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TN 384XX	Web	Older American
I closed my account with XXXX XXXX and returned all equipment I had received from them. I received a closing statement showing nothing was owed. At a later date, I received a bill for {$420.00} for equipment not returned. As I stated, I had ALL equipment that had been in my possession, so did not and do not owe XXXX anything. I did not pay them. They had a debt collector contact me via email. I furnished information to the first debt collector, who investigated the issue. THE FIRST DEBT COLLECTOR CLOSED THE CASE SINCE I DID NOT OWE THEM MONEY. THIS FALSE ACCUSATION HAS AFFECTED MY CREDIT RATING, WASTED MY TIME, AND CAUSED ME UNDUE XXXX. PLEASE REMOVE ANY DEROGATORY REMARKS ON MY CREDIT AND CEASE AND DESIST THIS UNWARRANTED ACTIVITY.
12/01/2016	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	CA 93021	Web
I am doing the best that I can to pay off this rather small balance to a collection company. Their notes are usually very business liek until the one I received yesterday. Below is a brief section from the note that True Accord in XXXX XXXX sent to me on XXXX/XXXX/16 : " Enough delay. It 's time to pay what you owe. Let 's be clear : you have an obligation of {$350.00}. We 've given you many chances to work with us. But instead, you 've waited a long time to deal with this. Now, it 's time to fulfill your responsibilities like the adult that you are. '' This note is offensive. I admit the debt but I did not sign up for insults about my maturity or adulthood. This debt has nothing to do with either one. Thank you. XXXX XXXX XXXX
02/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 338XX	Web
The TrueAccord Corp. is a debit collector being used to harass past customers of XXXX XXXX and XXXX XXXX XXXX. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency TrueAccord is now texting me and emailing me for no reason. I have informed TrueAccord I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX receipt has been provided to them numerous times and this is getting ridiculous.
10/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11757	Web	Older American
I received a collection notice from True Accord, Corp. XXXX XXXX XXXX. The amount is {$590.00}. The creditor is XXXX and XXXX. I called Uplift to ask what this debt is as I have no idea, they refused to tell me unless I provided personal information, birthday/ss # etc. I refused to give this info. In XXXX of 2021 I noticed that XXXX had been taking {$51.00} a month from my XXXX account. I immediately contacted XXXX and informed them of fraudulent withdrawals. XXXX stopped the withdrawals and I was refunded 3 payments. I thought this was resolved until I recently got the collection notice. I have been unable to get any clarification from XXXX or True Accord as to what this debt is, therefore I assume this is a fraudulent claim.
08/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89119	Web
On XX/XX/2021 I have received an email from some kind of collection agency I do not recognize. Claiming I owe a debt of {$1700.00} from a XXXX XXXX that I never had in my life. In the email it clearly states to dispute or pay the amount owed. I click to dis put and the information with listed address is all wrong. When I reached out to the collection agency, they said they can not sue or report to credit agency for an old debt but wants me to pay for something that I never had in my life with all the wrong information provided in the email. I have told them numerous of times that I never had a XXXX XXXX nor resided at the address listed. Now they are mailing me a bill that dont exist that they claim exist over 30 years ago.
02/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98026	Web
I receive at least three text messages a week regarding a debt owed to TrueAccord. The text message does not specify an amount owed, nor does it specify what the debt is for. The link in the text message directs me to a website that asks XXXX to resolve a debt owed to XXXX XXXX XXXX. My name is not XXXX and I've never heard of XXXX XXXX XXXX. I have attached a screenshot of the webpage I was taken to. The phone number the text message comes from is ( XXXX ) XXXX. I have reported the issue to XXXX as spam, but the text message continues to come through to me. I have called TrueAccord 's number ( according to a XXXX search ) and got through to an operator with an XXXX accent. I immediately hung up the call assuming it was spam.
08/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19973	Web
On XX/XX/2022 I received an email from a company named TrueAccord. The company stated that I owed a debt of of {$570.00} with XXXX XXXX XXXX. I Also received a separate email from the same company TrueAccord on XX/XX/2022 that stated I owe {$25.00} with XXXX. The email states " Call or write to us by XX/XX/2022, to dispute all or part of this debt. If you do not, we will assume that our information is correct. '' So I follow up and send them a certified letter in the mail to the address, asking for debt validation and disputing the debts. The company received my letter on XX/XX/2022 and in turn refused it. Therefore denying my right to dispute the debt which is against the law. I have attached all information and proof below.
04/19/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 953XX	Web
I am constantly being bothered and harassed by a company called True Accord!!!! The guy named XXXX called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job. After that I have received calls on my cell phone and I receive at least XXXX emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before XXXX XXXX I have received XXXX emails from the following individuals below just in the month of XXXX and today is only the XXXX !!! I have received emails from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also said they are called XXXX XXXX
10/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60615	Web
TrueAccord, a debt collector, has contacted me multiple times about a debt that it know that I do not owe. This company and I have never had any contractual relationship. And its partner/agent, XXXX, likewise has no contractual relationship with me either because XXXX voided our transaction due to a failure to provide a contracted for good. As such, TrueAccord is violating federal law my trying to collect upon a non-existent debt, claiming to have bought a right to enforce a non-existent debt and for failing to stop communicating with me about a non-existent debt after being put on notice. I ask the CFPB and other regulators to enjoin, fine and otherwise sanction this debt collector and its partner/agent XXXX.
07/12/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43160	Web
I Have Received several calls from True Accord ( Collection Agency ) Not Stating Who They was Collecting For. They stated they wanted a Debt Paid in My Name i Stated do not call me again and ENDED the Call This has happened Several Times This past week I received a email stating the Same And that they Updated my Payment History I do not have a checking nor a savings Acct I Replied Back about ID Theft and the FRCA laws and Stated to not CONTACT ME AGAIN This Company Violated ME A Consumer and My Rights with 15 USC CODE 1681 15USC Code 1692b .1692c 1692e 1692f 15 USC Code 1681 MY CONSUMER RIGHTS WAS VIOLATED BY THIS DEBT COLLECTING COMPANY I SUBMITTED THE EMAIL TO THIS COMPANY THAT I RECEIVED FROM TRUE ACCORD
04/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75248	Web
I purchased a dog bowl from XXXX XXXX and I used XXXX. It was 4 payments of {$36.00} each for a total charge of of {$140.00}. Trot Pets went out of business and never sent me the product. I provided all of this documentation to XXXX several times and they sent my account to a collection agency. I did not pay them because I never received the product. The 4 charges go XXXX were done through my credit card company ( XXXX ) who also reversed my charges to XXXX because I never received my dog bowl because the company went out of business. I just received notification today that True Accord Collection Agency has finished their investigations and I am responsible. Again-I did not receive the merchandise.
05/24/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29681	Web
A relative of mine received an email from this company ( trueaccord.com ) indicating they were " working with XXXX XXXX '' to resolve a debt. Since this contact was made thru email, several privacy violations occurred including providing my name, personal address, account number ending, date of origination as well as date of default. I have settled this debt already and believe this company is fishing for debt that is no longer valid. I have reached out to this company with no response multiple times and informed that my personal information, including an account number created by trueaccord was provided to someone other than myself. I plan to take legal action if this issue can not be resolved. Thank you!
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33414	Web
In purchased a pair of custom dressage boots from XXXX XXXX and used XXXX ( XXXX affiliate ) to pay for them. The boots were never delivered and XXXX XXXX agreed to refund my money, but never didXXXX XXXX policy was I had to resolve the dispute with the vendor 60 days after purchase. I filed a fraud claim with my bank and XXXX of the XXXX payments were returned. XXXX then said the bank took the money from them and I owed them. A dispute was opened, documents were provided and they never responded. I now have a collections request from True Accord saying I owe XXXX twice what XXXX says I owe them. I followed XXXX policy and XXXX being asked to pay for a product I never received nor was fully refunded.
04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90002	Web
XXXX knows that my dispute with XXXX XXXX for {$230.00} originated beyond the 7 year date. They keep trying to re-age this account and XXXX XXXX pushes the date back so that I would contact their debt collector, True Accord, whose account is XXXX and pay on old debt. To date, they havent removed it from my credit report, costing me a XXXX job, that pays $ XXXXyear! I want this removed from ALL my credit reports immediately and I want them to pay me damages for losing this job and countless other jobs before this! Ive lost many years of my life and being Unemployed, they are liable to pay me for lost wages, anguish, humiliation and emotional distress all for {$230.00} that was OLD DEBT BEYOND 7 YEARS!!!
10/04/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	CA 94134	Web
I was contacted by XXXX last year to pay my student loans. I followed the steps and I have been paying {$100.00} a month since XXXX XXXX, 2021. I just logged to my XXXX and there are no records of my payments. I found that none of my payments had been going towards my loan payment but towards someone else. When I try to log into the TrueAccord website with the account number I was given it asks if I am XXXX XXXX XXXX. I am not even able to delete my banking documents or log into the account now. I have been receiving emails each month letting me know I was paying the loan and how much I have left. They have received {$1200.00} from me so far that was supposed to be towards my student loans.
12/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 864XX	Web
I purchased concert tickets online from XXXX, (no physical possession of tickets) concert rescheduled, XXXX offers to resell tickets. I agree, they sell tickets and assist me over phone and computer with delivery of tickets. They email me confirmation of sale and delivery and pay me several days later. 39 days later they email me indicating my "sale was cancelled for failure to deliver". They want money back plus a fine of $XXXX.I've emailed, snail mailed and called several times and provided copies of email confirmation of delivery, they turn me over to collections. I contact collection agency and offer the same info, to no avail. Please help. I have all emails and phone records.Thank You
03/25/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85745	Web
Received an email on XX/XX/2020 regarding a debt. I sent a response on XX/XX/2020 requesting information about the debt, disputing the debt, and also telling this debt collector not to contact me via email, and to only contact me via usps. Received more emails on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. They have never sent me any of the information I requested in my dispute letter to them and they have continued to ignore my cease and desist request of emailing me. If this collection agency does not cease collection of this debt, I am prepared to pursue other avenues for the repeated email harassment and blatant violation of my written request to only contact me via usps.
12/20/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30083	Web
On XXXX XXXX, 2017, I was contacted through email by XXXX XXXX at True Accord. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with XXXX. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance True Accord is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. Information received from email : True Accord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
06/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30224	Web	Servicemember
Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named TrueAccord. TrueAccord claims that XXXX XXXX XXXX XXXX XXXX is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX veteran already dealing with enough XXXX health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!
06/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85024	Web
XXXX/XXXX filed dispute of loan XXXX report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to XXXX XXXX No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and Tru Accord collection sent it back to XXXX XXXX XXXX XXXX received email from XXXX XXXX XXXX all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again
06/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	VA 20109	Web
XXXX XXXX XXXX sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX on XX/XX/2020, to XXXX on XX/XX/2020 and to XXXX on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from True Accord via email for the same account, and letters from XXXX XXXX XXXX.
12/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60559	Web
On XX/XX/2023 True Accord Corp added a derogatory mark on my credit report ( XXXX and XXXX ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, True Accord Corp has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
05/08/2017	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TN 37821	Web
A representative from True Accord - XXXX XXXX - continues to email me in regards to a debt. Her emails have become increasingly inappropriate. I have not responded to these emails as I have no written notification of a debt in my name with her company. She uses very intemperate and inappropriate language to address me and this alleged debt. I have a copy of a recent email from XXXX and have included a transcript with this report. XXXX 's latest email subject tell me to : ( My name ) it ' s time to stop with the games Body : W hen I grew up I put away childish things. Enough. P ay what you owe. I have attached a screenshot of this email.
12/20/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OR 972XX	Web
I received an email from a debt collector TrueAccord, saying that I owed {$14.00} on a XXXX XXXX account. I called XXXX and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. XXXX told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no XXXX branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.
02/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	KS 660XX	Web
I have a right to better myself and my XXXX XXXX also. I have been disputing this same company for years! They call themselfs XXXX XXXX XXXX. I have submitted Disputes with XXXX, XXXX, and XXXX credit reporting AGENCYS. They keep popping back up after a couple months. I don't know these people. In my disputes all I want is account numbers and dates! Now XXXX XXXX XXXX THREATENED ME IN MY EMAIL ACCOUNT! She told me to hit unsubscribe but that is not going to stop here from getting a full amount due back in 2015. I can't afford an attorney on my Social Security checks! She was ranting on about suing me in courts. I have snap shots of these threats.
06/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web	Servicemember
I received notification of a SSN trace and a subsequent email from a XXXX XXXX from TrueAccord/XXXX XXXX XXXX regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore TrueAccordXXXX XXXX XXXX by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AE XXXXX	Web	Servicemember
This creditor is in clear violation of my rights. I have not signed any contract with this creditor yet I receive correspondence about a debt owed. The creditor needs to show proof that I own the debt. The creditor needs to show proof that I have signed into contract to pay them. Furthermore, In accordance with the fair credit reporting act, this creditor has violated my rights. Account ending in XXXX, Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Account XXXX, connected to account XXXX
01/12/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
I received an email on XX/XX/XXXX from TrueAccord Corp, a debt collector. They state that they are trying to collect a debt that I allegedly owed to XXXX XXXX XXXX XXXX XXXX of whom the original creditor was XXXX XXXX They claim this debt is from XX/XX/XXXX in the amount of {$460.00}. I've do not recall having an account with XXXX and would like to dispute as well as point out that Under O.C.G.A. 9-3-24, debt ( of all types ) have a 6-year statute of limitations for collections. Since this is a debt reported from XXXX and it is now XXXX, that puts TrueAccord in violation for trying to collect on an charge that is no longer within statutes.
10/22/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NV 89044	Web
Starting back in XX/XX/2019, I started receving emails from True Accord. I have written 4 letters to them asking for the emails to stop and all communiation to be via USPS mail only. I have also asked for debt validation. True Accord has ignored my requests and keeps sending me emails on a frequent basis. It is annoying that they refuse to respond and stop the emails as I never gave them permission to email me. It is really difficult and upsetting to continue to receive these emails. And gosh, they even go to my employers phone thus giving my employer access to them as well. That is very unacceptable on many levels. I am just fit to be tied.
03/11/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22192	Web
In the past three weeks I have been receiving e-mails about a credit card debt I had owed for a credit card that was not applied. The debt was for XXXX on a XXXX XXXX XXXX credit card that had not been issued. XXXX XXXX had been aggressively E-mailing me about this debt with a threat to negatively effect my credit score and sue if I didnt reply. I had contacted the company TrueAccord who had been issued the debt as a third party accreditation. They wanted more personal and federal information about myself and would not let me discuss my dispute or talk to a manager or administrator in charge. They agreed to remove me from the mailing list.
03/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	NV 89015	Web
This company has continuously reported inaccurate information on my consumer report. They intentionally reported a charge-off on my consumer report when it is in fact considered income. According to The IRS, they clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting a charge-off on my account inaccurate! I have contacted this company several times to delete this inaccurate account from my consumer report, but they constantly refuse to correct their unlawful behavior. It has damaged the character of my consumer reputation and I will be seeking remedy.
04/05/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 07026	Web
TrueAccord sent my relative multiple emails regarding a collection. It was went from these emails on XX/XX/2021. Each email has info from an old collection account with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX emails had all the debt info including amount owed and company owed to. I did not want my family to know my personal problems and this has caused me significant issues. Im not sure how they found this email address since its actually a business email that a family member has. They sent a total of 5 emails. Each email comes from a different individual. The emails were forwarded to me by the person who received it.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46239	Web
XXXX was the original lender of this loan and payments were being made on time and withdrew from my bank account automatically. I spoke with a representative at the company about this matter as well. And to my knowledge it was resolved, however they sent my account and personal information to TrueAccord without getting in contact with me, and I have sense been receiving emails and other contact methods from someone named XXXX XXXX at all times of the day about my information. My information was sold to True Accord without my knowledge and it is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ;
12/23/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
On XX/XX/2020 I sent a certified letter to True Accord for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2.
05/27/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 331XX	Web
About a year ago I acquired a debt with XXXX credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with True accord and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the XXXX website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month
06/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 628XX	Web
These crooks are sending fraudulent emails to my personal email account trying to commit fraud!!! I dont know them, nor do I owe XXXX XXXX any money, this is an ex employer from 2008!! I also dont have a clue what they are talking about!! I am XXXX XXXX XXXX XXXX and have worked for XXXX, XXXX and XXXX XXXX and been hacked numerous times do my guess is someone has committed fraud or this bunch of crooks are doing so! This is my official Cease and Desist order to them, they are not to contact me or anyone I know or my family at any time and if they continue to do so or to resell that fraudulent bill I will sue them!
04/25/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AZ 85254	Web	Older American, Servicemember
TrueAccord.com notified me that they were attempting to collect a debt, sent to them from XXXX XXXX, a loan company in XXXX, IL. ( previously filed a CFPB complaint about XXXX XXXX ). TrueAccord had two attached files from XXXX XXXX. File 1, I could not open, and File 2 was a copy of a contract electronically signed by me. This contract was a forgery and did not have an official electronic signature by me. It was a total fraud. I sent TrueAccord a copy of XXXX XXXX letter exonerating me from any responsibility of their latest loan. I have hired an attorney in XXXX, IL to file a lawsuit against XXXX XXXX.
02/11/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95014	Web
On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. Then, starting on XX/XX/2021, I started receiving messages from debt collection agency TrueAccord stating that I had an unpaid balance with XXXX XXXX. I have never ever done business with XXXXXXXX XXXX or TrueAccord for that matter. I have emailed XXXX, XXXX, XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.
05/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07042	Web
XXXX claims that we owe them {$270.00} for services which we never received.We made our position clear but they kept harassing. And now what appears to be a third party sending emails and threatening action if we fail to respond to their emails. We are not even in a position to know whether the debt collector is a legitimate one or a scammer. We are asked to click on links like " Click here for more information about your balance '' or " Pay now in full ( you should! ) '' a nd " STOP SLACKING. '' Not only do we not owe this debt but we are harassed by this new entity using the shadiest e mail methods.
09/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95687	Web	Servicemember
I ordered some tickets through XXXX but I never received the tickets so I submitted a request for the refund of the tickets. I got the refund but they are still saying that I owed them money and they sent me to a debt collection company. I have pictures and messages of me trying to get this fixed since I dont owe anything to XXXX or True Accord. I didnt sign a contact with True Accord therefore I recommend them to cease and desist all contact methods. Additionally, I would like this debt removed from my credit reports and if you attempting to add it to my credit report I would appreciate it if you dont.
05/31/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 48219	Web
I 've received several emails from the c ompany, True Accord XXXX XXXX XXXX XXXX XXXX . Beginning in late XXXX XXXX and today XXXX XXXX , XXXX . The company is giving me until XXXX XXXX to pay the full amount owed which is {$740.00} or they will pursue legal action against me. I told them that financially I 'm having a hard time meeting that obligation and I requested a much later time in the year. But it 's not to their satisfaction. So the company is continuing with their threats. I am financially in a bind and I honestly do n't know when I will be able to get back on track.
11/27/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	OH 43232	Web
First and foremost, I have no inclination as to who this company is and/or who they are attempting to collect for. I have not received any notifications via US mail regarding any debt I'm behind on, and can verify I'm not behind on any debts I have. This company will need to reach out via US mail, as my address has been the same since 2014, in order to verify who they are, what the debt is for, amount owed, and the date of original default. TrueAccord is the company in question. They've texted me repeatedly and I've responded 'STOP ' on multiple occasions. Unfortunately, they continue to text.
11/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06320	Web
True Accord claims I owe {$150.00} to XXXX for a returned item, a purchase from XXXX, item returned via XXXX several months ago.. The item was purchased via XXXX XXXX, returned to merchant via XXXX, tracking ID not available.. Prior complaints were filed against XXXX for attempting to collect on debt when item was returned and tracking ID provided to them..Regardless of return, XXXX still attempts to collect on debt after proving item returned by providing tracking info..If True Accord requires tracking info, please refer back to XXXX whom it was provided to via CFPB complaints filed prior.
06/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11221	Web	Servicemember
On XX/XX/2021, I received a payment request for a debt attached to my SSN/credit report being reported by XXXX for a debt of {$180.00}. In an attempt to settle this debt I contacted XXXX, they made me aware that this specific debt has been sold to True Accord Corporation. I did not authorize the sell of this account to True Accord Corporation, I have not done any business at the address listed with this account nor do I owe True Accord Corporation. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from True Accord Corporation.
06/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Servicemember
I received an email on XX/XX/2023 from XXXX XXXX regarding a balance with XXXX XXXX. The email says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00}. I have received two more emails regarding this debt. I do not remember this account. At the end of the email ( on page 3 ), it states, " The law limits how long you can be sued on debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. This was originally an account with XXXX XXXX XXXX XXXX XXXX XXXX, account number ending in XXXX. ''
06/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 321XX	Web
Company attempts to collect money as a debt collector without being a secured party creditor, a violation of federal and state law. Agent sends erroneous validation of debt letter unsigned, this act is fraud. Communication letter misidentified the company legal name, an act of fraud. The agent and ceo wont respond to my three communications each, a non response equates to fraud. Alleged debt is reported to credit agencies causing actual harm, no contract no case. Alledged original creditor XXXX, XXXX not registered to do business in State of Florida during the time periods stated.
06/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11367	Web
Today, I received an email from a company called TrueAccord Corp, a debt collector trying to collect a debt to XXXX XXXX XXXX. I clicked on the email to find that the debt is for {$130.00} and the original creditor was XXXX XXXX with an account number ending in XXXX. The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have never lived there nor have I had that account or any accounts go into collections in 2015. I am not sure if this is a mistake or if I am being targeted for identity theft so I have been afraid to contact them and give them my personal information.
01/04/2024	Yes	Debt collection Credit card debt	Electronic communications Contacted before 8am or after 9pm	IL 60616	Web
They are trying to collect a debt that is so far beyond the statute of limitations its laughable. Please advise You have an account with XXXX XXXX XXXX. The original creditor was XXXX ( South Dakota ), XXXX. with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. As of XX/XX/XXXX you owed {$1500.00} Between XX/XX/XXXX and today You were charged this amount of interest + {$340.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1800.00}
06/29/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 61455	Web
TrueAccord contacted me by email on XXXX XXXX by saying I owed over {$2000.00} for a debt that is over 12 years old. Due to the age of the debt, I contacted them by email to dispute the debt, even stating Illinois debt collection statue of limitations in my email. Their response was they are collecting it on the behalf of another debt collection agency, which the debt collection agency is not the original agency. The debt collection agency that TrueAccord is acting on its behalf has NOT contacted me at all about the debt in years. The debt does not show up in my credit reports at all.
07/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29340	Web
TrueAccord account number is : XXXX ... XX/XX/2023, i sent dispute letter to trueaccord, and on XX/XX/XXXX trueaccord acknowledge via email that they receive my dispute letter via email. and I also mailed a physical letter to them as well. After submitted my letter, Trueaccord continue to send me 10 email 's without sending me the proper debt validation pursuant 15 USC 1692g & 1006.34 Notice for validation of debts. Dates of email 's after my dispute are : XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
07/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 206XX	Web
I have submitted four disputes with XXXX asking them to verify of immediately remove this collection from XXXX XXXX from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.
01/22/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	KY 41091	Web
I received a letter from TrueAccord stating they were trying to collect a debt I owe to XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have never had any contract, services, or any business with XXXX XXXX XXXX XXXX. I have never received any bill from XXXX XXXX XXXX XXXX for anything. I contacted XXXX XXXX XXXX XXXX and they have no records of me ever having an account with them or owing any money. I am going to email XXXX informing them of the provided information and the debt is not mine. I am also going to request in the email the name and address of the original creditor.
07/23/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 77093	Web
On Thursday, XX/XX/2020, I received a first-time email from a collection agency known as TrueAccord working for XXXX XXXX, on behalf of XXXX XXXX XX/XX/XXXX, attempting to collect an alleged " outstanding balance of {$1300.00}. '' I had no idea I was in default of any kind to XXXX XXXX XX/XX/XXXX. Regular payments were made despite no flexible payment plan during COVID. And if XXXX XXXX XX/XX/XXXXstopped sending me bills than it was on its part. But turning my account to a collection agency without any prior discussion and notice is unacceptable business practices and policies.
12/16/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	IN 47201	Web	Older American, Servicemember
Actually the problem is that this debt is in excess of XXXX XXXX XXXX. It was with XXXX XXXX and the debt was put on my account by my grown son without my permission. The debt was around {$1200.00}. Until recently I have not been contacted for about XXXX years. Now they are sending me letters, email messages and calling my cell phone. I am XXXX XXXX XXXX and have been on XXXX XXXXXXXX since 1994. I have not responded because I understand if you do, the debt can become active again. I didnt want that to happen. Please advise on what I should do to get them to leave me alone.
01/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33139	Web
Ive been a victim of identity theft for many years somebody open this account Ive been trying to Talk to this company to remove this account because it was open with out my authorization with Thats an account from XXXX XXXX XXXX now its on collection And the steel done doing nothing A note on your XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) account This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please read below for important disclosures.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
04/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10458	Web
Please refer to attached Debt Validation letter. As per XXXX XXXX XXXX # XXXX, my debt validation letter was delivered to True Accord on XX/XX/2023. It passed the 30 days timeframe allowed by FCRA. So they're already in violation of 15 USC 1692g. They're collecting on behalf of XXXXXXXX XXXX. On my letter, I advised that they are allowed 30 days from date of reciept of letter to comply with my debt validation request otherwise, I want this account ceased & desist. I also want this Account DELETED off my consumer report. Its passed the timeframe.
01/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90504	Web
A company by the name of TrueAccord continues to contact me in reference to an alleged debt that I am not aware of. They have stated the amount of the debt is XXXX and XXXX. I have requested multiple times that they verify this fraudulent debt and they have failed to provide me with the proper verification to investigate this alleged debt. I have sent multiple letters to this company. I have now sent in another letter and also provided a police report of this matter as this is reporting negatively on my credit report for a debt not mine or verified.
06/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19701	Web
True Accord/XXXX continue to harass me on a collection debt i never authorized from XXXX for {$1100.00} back some years ago. I have disputed this debt as fraud numerous times since the start and i continue to get emails from True Accord requesting payment on a fraud account. I have also requested a cease and desist many times and my information removed deleted from all collections files and collection agencies since -the validity of this collection has been disputed many times as Fraud and i request written notice that such request has been done.
06/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 14094	Web
I received an email from a company called TrueAccord. According to their email their contact information is support@trueaccord.com, phone number XXXX and their mailing adddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ks XXXX. They emailed my email address which is XXXX with information about my sister XXXX XXXX owing a debt to XXXX XXXX XXXX with the amount owed of XXXX. This is a violation of the FDCPA, not only did they send this information to the wrong party, they disclosed amounts and dates of the debt, possibly to try and embarass my sister.
09/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22408	Web
A company named True Accord keeps sending me repeated emails harassing me about a debt that i do not owe. I don't know who True Accord is, i never received any goods or services from them, and i do not have any contract with them or the company XXXX XXXX who in the last email they are harassing me telling me that they will be taking this alleged debt that i don't owe back. I have not contacted True Accord by email or by phone, because i am scared that they are trying to use legalese to try to trap me into a contract that i don't have with them.
04/28/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC XXXXX	Web
This company continuously emails me telling me they are trying to collect a debt but I have n't received anything from the original company and the balance on my credit report states XXXX balance from the card company. I have attached the emails that I feel threatened by as well as they are going by 2 different company names. they are stating in email they are True Accord b ut then comes and say they are XXXX . I do n't have any contract with this company and they need to provide me with validation that I have an account with them.
01/02/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MA 01960	Web
I am requesting validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay TrueAccord credit collector. I also request TrueAcoord a formal notice that your claims are disputed and cease communicating with me. TrueAcoord is sent an email several times after I request the cease all communication with me.
02/18/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 945XX	Web
I received a random email this morning from a THIRD PARTY who now has all of my information, from a credit collector. The THIRD PARTY COMPANY is called True Accord, and the person who sent me this email is called XXXX XXXX. I did NOT request to sign up with this company for collection and I did NOT willingly give them ANY OF MY INFORMATION NOR THE RIGHT TO CONTACT ME. They are implying legal action as well as attempting me to make a payment arrangement through this email. I would believe this is considered fraud and very illegal.
05/06/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 136XX	Web
These people have been trying to contact me through email, calls, and emails constantly. They've sent scores of snail mail, and hundreds of emails saying things like, " Hello XXXX, There is some important information for you. New York law requires that consent be provided before additional information can be disclosed via email. Click the link below to provide your consent today. GIVE CONSENT WITH A CLICK. '' I've told them for the past year or two to stop contacting me, but they email me several times a week still. I'm tired of it.
09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19145	Web
My name is XXXX XXXX. I paid off the balance with XXXX and sent in all the paperwork stating that it was paid off. They sent the balance to a different company TruAccord who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.
07/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 310XX	Web	Servicemember
Received emails and letters from Debt collector from XX/XX/XXXX until the present. I have requested validation via email and certified letters for validation of the debt. Dates request validation : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the debt collector states they have received a dispute and will stop collection under debt is validated, I have not received anything showing validation. They keep emailing and calling me ; also they have placed the debts on my credit reports.
08/29/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 78240	Web
We have been retained by XXXX XXXX XXXX for a limited amount of time to help you resolve your late balance of {$770.00} with a default date of XXXX XXXX, 2016. XXXX XXXX XXXX sent us your information in order to collect this overdue balance. We request that you make a payment and resolve your balance. Please click here to view your payment options. You can also respond to this email with any questions. Regards, XXXX XXXX XXXX ( XXXX ) XXXX Copyright XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
12/05/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77064	Web
I have received multiple emails from this collection agency claiming to be an agent of XXXX Upon further research, I found that XXXX is a payday lender that may have opened a loan in my name as a result of identity theft. This collector has made no attempt to contact me via mail ; rather, it is sending emails. I do not know if this is a legitimate collection agency. If it is, the notice must be provided via mail so I may have the opportunity to make a debt validation request and dispute the debt on the grounds of identity theft.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 758XX	Web
I have wrote numerous letters to the creditBureaus to have this removed. As stated in previous letter I had only one account with fig loans of Texas ( 1 ) **Paid the account OFF FULL. This account is not mine. My personal information and opened an account without my consent. I think I even made a payment on this loan. I had no idea about this loan. I have also stated that my information has been stolen. I have filed several reports and I would appreciate a prompt response to have this removed. Immediately please and THANK YOU!
08/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 152XX	Web
I have received a mailed notice from True Accord Corp. dated XX/XX/XXXX stating that owe {$3900.00} to XXXX and that this balance has been due since XX/XX/XXXX. I have no recollection of ever dealing with XXXX or purchasing any thing from XXXX. My account # at True Accord is XXXX. I suspect that this is a mistake or fraud. I first e-mailed True Accord XX/XX/XXXX to inform them that the debt is not mine, They responded on XXXX by e-mail restating the I have an outstanding balance of # XXXX and advised me to file this complaint.
06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 191XX	Web
TrueAccord is attempting to collect a debt letter dated XX/XX/. I replied in writing on XXXX XXXX that the debt dispute the debt is not mine and ask for validation. I also call to verbally dispute, Received a text for this company on XX/XX/XXXX and called again XX/XX/XXXX and was give the a completely different and additional five account of collections totally {$820.00}. I filed a police report of Identity Theft with the police department XXXX. The Officer recommended to me file this report to assist with this company.
05/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07112	Web
On XX/XX/2023 i have recieved another email and another phone call from the company true accord in attempts to collect a debt that is no longer being handled by the company. This account does not belong to me. I am a victim of identity theft and fraud. I have tried to dispute this matter with no results only attempts to still collect. This company is in violation please investigate promptly. There also were several attempts to collects different amounts of this debt. See attachments, dates, and amounts listed on emails.
09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23185	Web	Servicemember
Ive submitted multiple disputes to trueaccord ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, XXXX XXXX., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my trueaccord account were to be closed immediately and the collection attempts were to be stopped.
06/23/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AR 722XX	Web
I have been receiving multiple calls and voicemails from TrueAccord Corp. After the first round, I returned their call and spoke to a company representative. I was told then that I didn't have an account and that the calls had been in error. The calls ceased but they called me again today, XX/XX/2021, and left another voicemail saying I had a debt in collection, which I don't. So now I'm filing a complaint with CFPB and I will also be filing a complaint with my complete worthless state Attorney General in Arkansas.
08/07/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33311	Web
TruAccord has violated my rights! I received a email in regards to an account you are attempting to collect a debt that originally belonged to XXXX XXXX XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. TruAccord violated my rights by furnishing information on my consumer report with the intent to coerce payment in the amount of XXXX XXXXTruAccord has made it hard for me to take care of my necessary household needs. This grave error caused by TruAccord violated my privacy an
11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20002	Web
I have settled my debts and have paid them off with XXXX. They are refusing to report that I have settled and payed the debts in full. I paid on XX/XX/XXXX and XXXX, and wait 30 days. However, this information has not been updated to my credit report. I have called them and asked them to update the balances, however they have continued to refuse my request. I have 2 loans that still have balances, but I have made payments towards loans. Those 2 loans are also not reporting that I have made payments towards them.
01/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	NY 11369	Web
On XXXX I received an email from shop-pay saying my loan had been charged off. Since then I have received for XXXX emails from XXXX consistent names. XXXX XXXX and XXXX XXXX have both harassed me via email claiming to represent True Accord in an attempt to collect the alleged debt. I have never had any contact with True Accord or done business with them before. In addition to this shop-pay is consistently denying my creditworthiness because of this decision. I know this is unlawful to me as a consumer.
09/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web	Older American
I received an email from a debt collector ( True Accord ) which stated I owed on a credit card issued by XXXX XXXX Bank XXXX I contacted XXXX XXXX Bank and XXXX them I have never applied, nor been issued a Credit Card from them. They investigated, then still sent me another email through True accord a debt collector. Sent an inquiry again, only to get the same vague copy of XXXX XXXX Bank Credit Card XXXX Uses a very old address of mine and does not specify what was charged on the card. Please help!
02/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78258	Web
I have received multiple email from an individual by the name or XXXX XXXX from TrueAcord claiming that I owe a debt from XXXX XXXXXXXX XXXX I have never had a credit card or any other debt to that company. It also states on the email that they can no longer sue based on the date of that debt. I believe its a scam because when I researched that company and its affiliated XXXX XXXX theres many people complaining that they are being contacted for debt that is not theirs. Their phone number is XXXX
01/24/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 331XX	Web
The original creditor XXXX violated FCRA by misstating the balance due. The original creditor sold by debt to collection agency named Trueaccord. On my credit report it says balance due {$120.00}. But true accord is requesting {$120.00}. I will be submitting attachments as proof. The point of action is to remove this collection debt from my credit report immediately. I have asked Trueaccord for validation letter but never received it over and over they wouldnt help. I submitted a validation letter.
12/17/2022	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	NJ 07055	Web
The company by the name of TheAccord has repeatedly emailed me at all hours with a debt i know nothing about. Ive never even heard of this company. I have never done business with this company. I never provided my personal information to this company. They just emailed me again this evening XX/XX/2022 at XXXX. My email gives me immediate alerts. I never consented to any type of communications. How did they obtain my private contact information? According to 15 U.S. Code 1692c they are in violation.
02/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 42103	Web
I have received 23 messages from TrueAccord since XX/XX/22 ( I counted ) Ive received I dont know how many messages and calls from them before XX/XX/22. I have called them before and spoken with them and texted them and discussed that I am not the person whose debt theyre trying to collect. They know I am not the name on the account and they still try to contact me constantly. The name On the account is XXXX XXXX. Thats not me. Theyve said theyll stop contacting me but they always fail to do so.
11/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 444XX	Web
I have been contacted via mail and email for a debt that is not real. I called and they gave an address that I never lived at and a debt I never encured. Several attempts and threats to pay {$920.00} with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX Bank ( XXXX ), N.A. account ). I called in XXXX 2021 to file a dispute and they said the incorrect collection attempts would be taken care of. It is now XX/XX/2021 and the emails and mail has returned asking for me to pay ~ XXXX XXXX
01/13/2017	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	PA 19120	Web
I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of XXXX harassing emails since XXXX 2015. I have saved all emails from this collector.
09/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 361XX	Web
I contacted this company a while back and told them that I did not know anything about this account. I was told that they would investigate this matter and get back with me. I was informed about anything that resulted from the supposed to been investigation. Recently, I received a bill from this company which is a collection company. I expect XXXX to do what they are supposed to do. There is no reason I should be getting a collection notice from a third party when XXXX has not contacted me.
03/28/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 105XX	Web
The company is engaging in improper debt collection practices. True Accord Corp has been calling, emailing, and texting me consistently since XX/XX/2022, with misleading captions of being a personal contact, such as " Let 's reconnect '' and stating they have " important information for me ''. I have never created or verified an account with this company and do not know what they are contacting me for as I have not given them permission to contact me by any of the methods detailed above.
12/12/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MO 63119	Web
I have been repeatedly contacted by TrueAccord regarding a debt they allege is owed by someone else. They continue contacting me despite my telling them clearly that I am not the person they are looking for. I suspect that the debt may be owed by a fraternity chapter that I was associated with in the past. I provided them with suggested means of contacting them. I have notified that should they continue contacting me I will bill them for my time in assisting them with doing their job.
03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78254	Web
True Accord reached out by email to pay a debt from XXXX. I paid this in full XX/XX/2020 but til today, this debt has not been report back to XXXX as paid in full ( {$110.00} XXXX. I reach XXXX and was told no reports/updates. This is the 2nd request XXXX is reaching out to provide paid off. I emailed them today requesting update or will file consumer report. But after consideration, this is not acceptable as it is not 3 months aging but over 6+ months of NOT reporting this back.
02/04/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08724	Web	Older American
received e mail from TRUE ACCORD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ON XX/XX/2019 SEEKING COLLECTION OF A DEBT FROM XXXX A PAYDAY LOAN COMPANY. I INFORMED THEM THAT THESE LOANS WERE PROHIBITED IN NEW JERSEY AN GAVE THE NJ STATUTE ANN.tit. 17,1 et seq., NJ STAT ANN. 2C : 21-19., NJ STAT. ANN. 17 : 15A-47 I HAD BORROWED {$800.00} and Paid back {$960.00} and considered this matter closed I disputed the validity and amount they were attempting to collect which was {$1600.00}
06/28/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07111	Web
I have been receiving text messages, email and phone calls from True Accord. I spoke with someone in that company once and requested that correspondence to me should be written and mailed to my address. I like to have physical document rather than call and email. .I have no recollection of any loan with this company or whoever they are representing. I demand a written letter and validating evidences from the company.. I do not want email or text messages from this company henceforth
06/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46410	Web
I have been contacted by a company " True Accord '' by EMAIL to attempt to collect an alleged debt that I have no knowledge of. I have never given this company permission to contact me Especially by email. This company is in violation of 15 U.S. Code 1692 ( a ) and 1690 U.S. Code1692 ( b ) ( 2 ) ( 3 ) ( 5 ). This company can not legally state that I owe a debt, especially one I have no knowledge of. I will be attaching the email, dates and how many communications I have received.
03/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WV 261XX	Web
True Accord keeps emailing me about a debt I owe to XXXX in the amount of {$260.00}. I have never had any accounts with XXXX. I have emailed them and told them this is not my debt. They continue to email me. Today I called and told them this is not my debt and to quit sending me emails. I also told them, I will be reporting these actions. I believe this is a fraudulent collection company harassing people over debts they do not owe. They had nothing on file for me that is current.
02/01/2019	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MS 39212	Web	Servicemember
I got a loan from XXXX XXXX for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. Trueaccord is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76009	Web
I received an unsolicited email from TrueAccord about a debt owed to XXXX XXXX. The email was addressed to my email address, but also addressed a different person by name, XXXX XXXX. I thought it might be a phishing scam and researched TrueAccord online. I read that TrueAccord is very difficult to deal with and usually requires a lawyer to get them to stop harassing you. This seems incredibly unjust to me. I'm afraid contacting them directly will only result in more harassment.
12/12/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92805	Web	Older American
A fraudulent cell phone account under my name in XX/XX/XXXX. Original amount was {$72.00} I had sent a letter to XXXX XXXX XXXX on XX/XX/XXXX disputing the charge and had asked them to close the account and absolve me of all charges to the related account ( # XXXX ) I had reported to XXXX XXXX, report # XXXX Now I have received collection letter from TrueAccord XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXX XXXX XXXX This is a second agency sending me collection letter
12/21/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MN 55430	Web
true accord fraudulently open a credit card account in my name, set up online banking to true accord, and utilized the card without my knowledge until i tried to refinance my house and i received a email from XXXX @ support true accord, stating the balance, and they was no longer collecting the balance on the account and that they forward the account back to XXXX XXXX, which i never applied and used the card at all..but i was informed from my credit report about this debt.
03/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27529	Web
I began to receive emails from XXXX XXXX at True Accord working on behalf of XXXX XXXX XXXX. The first email was in XXXX 2022 and I received another on XX/XX/2022. The mail states that I owe {$1900.00} XXXX XXXX ( XXXX XXXX ). I have not 5aken any action because this can not be legit. I've never have any services with XXXX or XXXX XXXX. I've never even heard of this company. This companies location are in New York and New Jersey. I reside no where near those locations.
12/18/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL XXXXX	Web
On XX/XX/XXXX I've received notification from TrueAccord in regards to an alleged debt owed to XXXX XXXX ( XXXX XXXX ) in the amount of {$750.00}. I've have previously requested information in reference to this matter with XXXX XXXX several months ago and now this alleged debt has been bounced to TrueAccord. In accordance with the law, please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
11/15/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	WI 546XX	Web
I received a text and email and phone call from a company calledTrue Accord identified themselves as debt collector. The debt was for a XXXX XXXX under XXXX. I investigated this and filed a dispute and proved I sent the order back to XXXX. Today XX/XX/2023 a person from True accord sent me a very stupid message in response to my proof.. I dont know what this XXXX XXXX means but his way of communicating is ridiculous. I have attached his response where he calls me dog?
01/18/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	UT 84121	Web
I had a personal loan with XXXX with a balance of XXXX. The debt was then bought by XXXX XXXX XXXX ( ncaks.com ) and I settled by paying 50 % which was XXXX. This amount was paid on XXXX XXXX XXXX. It appears that they then sold the paid account to XXXX XXXX who has been repeatedly calling my cell phone, my work phone, my husband and my sister in law stating that I have committed bank fraud and an official complaint has been filed against my SSN. None of which is true
06/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91945	Web
On XX/XX/2022, I paid True Accord {$450.00} for a collection balance that was already settled on behalf of XXXX XXXXXXXX XXXX. I received an email from them stating that I could settle my debit. The balance was similar to another debt that I owe to another creditor, and I was the impression that I was take care of that debt. I do believe that was fraudulent activity committed by TrueAccord, and I'm unable to recover my {$450.00} back and need outside mediation.
04/27/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 22901	Web
Have been emailed on XX/XX/21, XX/XX/21, XX/XX/21 to collect a debt that my father owes. They keep message me as if I am my father XXXX XXXX. TrueAccord account number is XXXX. The company is TrueAccord at XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. And they say it's for a XXXX account ending in XXXX. They also refer to an XXXX XXXX XXXX in the email too. Plus when I called to resolve this situation with their company I was hung up on and had my phone number blocked.
10/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43113	Web
True Accord reached out to me on XX/XX/22 for a XXXX from XXXX for {$400.00} I have records of ending my contract with them and returning the equipment with a {$0.00} balance. I wrote to True Accord informing them of this. They stated they would do a debt verification and never got back with me. I received a notification they reported this debt to the credit bureaus. Currently they are trying to collect a debt not owed and have not proved I owed this debt.
06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48092	Web
True Accord has infringed upon my rights to privacy and has been using harassing tactics to coerce me into paying an alleged debt. True Accord has violated my federally protected rights under the Fair Debt Collection Practice Act writing me more then 50 emails from XXXX XXXX using obscene and propane. They are contacting me during work hours which is also a violation of the FDCPA. This debt is not mine and I all communication from this debt collector to stop.
05/23/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30331	Web
Third party trueaccord & XXXX first emailed a bill through my husbands email saying I owe a charge card bill from 2009 XXXX & saying it was wrote off & can not affect or go on my credit but stupidly I called & Rep. asked my email address & DOB reluctantly I told her since she said she need it for me to file a dispute, What should I now do? A statement come in without where charges was made and my name look freshly printed on statement What should I do now?
12/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89145	Web
I received an e-mail stating I owed a debt to XXXX XXXX XXXX which originally was a debt owed to XXXX XXXXXXXX XXXX, XXXX. account. I called the listed number, XXXX ( XXXX ) XXXX. I entered the fake account number listed in the e=mail, XXXX, and was notified that I owed {$6000.00}. The e-mail they say in the original e-mail to me to contact them is XXXX. Im sure I do not owe such debt. How do I stop them and is this on my credit report? Thank you.
12/30/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77036	Web
I am receiving emails on my work email from a collection agency named TrueAccord, stating that they are collecting for another collection agency XXXX XXXX. The emails are from a XXXX XXXX and XXXX XXXX. They are aggressive and frequent I asked him to stop emailing my job but to no avail. They are in violation of the FDCPA. I don't know the account they are stating that I owe. I can lose my job over getting personal emails at work and it MUST STOP
03/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19320	Web
I do n't recognize a debt forwarded to this company in my name. I received a random email 3 days ago on an account I do n't use ( luckily randomly checked my inbox today ). It was related to XXXX XXXX, whom I was a client of in 2015 but do n't recognize the charge they 're pursuing against me. I never did a {$100.00} transaction, which both companies say I owe. I refuse to pay something I did n't do and will not tolerate any impact to my credit.
09/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 93610	Web
On XX/XX/2022, I paid an alleged of {$150.00} to trueaccord a debt collector in connection with XXXX formerly known as XXXX. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.
10/05/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33428	Web
XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was XXXX XXXX XXXX over a debt from XXXX in XXXX. I have never had anything in collections from them.
11/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NC 27591	Web
I began receiving texts messages from True Accord that I owed {$170.00} from XXXX XXXX XXXX XXXX. The text message takes you to a website providing the amount Im supposed to owe however it doesnt have my name or information attached to it. In addition, I do not owe any money to XXXX XXXX XXXX and have had my account set up on auto pay for years. The amount True Accord is trying to say I owe has never been reflected in any previous bill.
01/25/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48602	Web
The debt collector ; True Accord XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX States that I owe a debt dollar amount for a Credit Card Bill I never signed any contract to make any payments or anything agreement with TRUE ACCORD This is a debt that needs to be removed immediately from my credit report due to failure to provide hard evidence that I owe True Accord for a debt that I never authorized to use my personal information its illegal.
04/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 770XX	Web
I had a credit card with XXXX which is under XXXX XXXX XXXX. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).
05/26/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95401	Web
On XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX True Accord emailed from XXXX to my relative in attempts to collect a debt from over 10 years ago and disclosed my personal financial information. I sent them a cease and desist letter on XX/XX/2021 after my relative forwarded me the email which caused distress within my family. They sent another email on XX/XX/2021 at XXXX XXXX, again releasing personal financial information to my relative.
09/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32940	Web
Both XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ) were claiming to own the debt in the amount of XXXX. TrueAccord ( XXXX ) has been trying to contact me and verified they were the debt holders so on XX/XX/2021 I paid the amount in full and they verified this debt has been paid. I tried to dispute the debt with trident asset management and they are claiming its still owed and refuses to remove their claim on my collections account
05/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07112	Web
On XX/XX/2023 I was contacted by this company in attempts to collect a debt that was caused by identify theft. I then proceeded to Dispute and I was later emailed that they are no longer handling this matter but continues to collect the debt listing amount at different amounts. I am a victim of identity theft and fraud. This has been a problem for me as it's been listed on my credit report. Ism requesting removal and Compensation.
06/15/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92301	Web
Back in XX/XX/2020 True accord contacted me and was told by XXXX XXXX. That her company will no longer be trying to contact me to owe on the debt because the account will be given back to the original debt collector. I have already complained before about this same company I don't remember the complaint number. XXXX XXXX has been sending me emails regarding the same account that I was told that they will longer be collecting on.
08/18/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 756XX	Web
Thursday XX/XX/XXXX between the time of XXXX and XXXX I have received over 30 text messages all stating I owe a debt and could save money it is the same exact message over and over. On Wednesday XX/XX/XXXX I received 4 text messages at XXXX. Recently if I open the message in an effort to silence the repeated attempts to contact me they just send more text messages I have all the messages and screenshots of the messages as well.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 088XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
02/27/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IN 47909	Web
On XX/XX/XXXX and XXXX 2022 TrueAccord sent personal information about a debt, amounts, original creditor, etc to 2 different email accounts belonging to my mom. Her information would not have been included anywhere on my account. They found these emails, without knowing who they belonged to and divulged my information. Luckily, they belonged to a family member, but niether of these emails were tied to my account in any way.
10/10/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34786	Web	Servicemember
this is a XXXX XXXX card account, XXXX XXXX is handling it for XXXX XXXX their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future
11/24/2022	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	CO 80601	Web
My student loan amount of approximately {$12000.00} was handed over to TrueAccord after falling slightly behind. TrueAccord immediately flooded me with phone calls, texts and emails trying to collect more than double the amount owed at {$28000.00}. I asked for reasoning and received no clear response. This seems unjustified and illegal since I had already made multiple payments totaling over {$1000.00} on the original loan.
07/31/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60515	Web
I was contacted by an agency called True Accord, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS about a debt. I sent them a certified letter on XX/XX/2020 telling them to cease and desist communication with me pursuant to the Fair Debt Act. It was send via USPS certified mail. Receipt number XXXX. Since their receipt date of my letter on XX/XX/XXXX they continue to contact me via email threatening to turn this over to an attorney.
03/28/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	LA 71270	Web
XX/XX/2022 an account with open at XXXX and I discovered on my credit report I dispute it the account several times and they still keep saying its my account I contacted XXXX ask them to send me verification, verifying that this account belongs to me and they have not done that and when I call them my social security number was not even associated with an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/25/2024	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	CA 90815	Web
Today XX/XX/2024, I'm reaching out to the CFPB regarding an email I received about an account. I was contacted by " XXXX XXXX '' via email, stating I owe {$690.00} to " XXXX XXXX XXXX XXXX XXXX. '' This account, originating from a XXXX charge 11 years ago, should no longer impact my present or future, and I shouldn't be contacted about it after such a long period by the company or any third party representing them.
01/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 385XX	Web
Received email stating I owed a debt to some company called XXXX XXXX XXXX XXXX that was past being sued for in court or reportable to credit reports. The email was from a group called TrueAccord address of XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX phone # ( XXXX ) XXXX. The email claims that I owe money and they will settle for a fraction of the original debt. Company is violating Fair Debt Collection Practices.
10/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 354XX	Web
On XX/XX/2020, I paid a debt with True Accord, whom was the collection agency for XXXX, XXXX. Since, they have placed the amount back on my credit report and drop my points by 20. I called and was told to contact True Accord, in which I did and they stated they would send the request a 3rd time in which True Accord stated they have sent the request. XXXX has refused to update their records and delete the account.
08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92392	Web	Older American
We are with credit repair agency, ask to removed all the negative information in my credit file, one collection it should be on my report, there are an original company was sell my account to other agency, and others two credit cards companies the accounts was placed with the debts consolidations for over two years 24 months they should be they should be paid by now still on the negative items on my credit file.
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20707	Web
The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. Act at 15 USC 1692e 807 False or Misleading Representations, which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
02/15/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 33024	Web
TrueAccord emailed me violating 15 USC 1692c, and disclosed my own personal very private nonpublic information. TrueAccord in connection with XXXX XXXX is attempting to extort my extension of credit. TrueAccord refused to disclosed the amount or value they exchanged with XXXX XXXX in connection with this extortion and I am filing an aggravated Identity Theft report with the FTC and my local authorities.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29154	Web
TrueAccord Account Number: XXXX The Fair Credit Reporting Act (FCRA, Title 15 U.S.C. 1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically 1681s-3(b)). 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my permission.
04/25/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MA 02038	Web	Servicemember
XXXX I receive texts from this company EVERYDAY, EVERYDAY and its pushy, and I tried calling them because I would settle and pay it off, but I also havent even received anything from them, except texts. So this can be resolved by them or get it off my credit report because I tried calling and settle and the customer service representative was just ignoring me and didnt really seem to care so I gave up
02/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91792	Web
I received an email from. A company called TrueAccord see attached email and email address screen shot. it stated I owed a debt from a credit card. I called the number to talk to someone see attached screen shot of phone number called and mistakenly gave my year of birth and last 4 of my social security. I am afraid I was scammed. They told me the debt was not mine and they would take me off the list.
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27707	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violented my rights. 15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit under an open end consumer credit plan as late for purpose.
03/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23462	Web
I am being contacted by a debt collection company by e-mail called True AccordXXXX XXXX XXXX stating I owe {$150.00} for an account I do not have. They started contacting me on XX/XX/2021 and XX/XX/2021. I called them and I told them I do not have a collection account. Further more I do not know how they have my name, address, e-mail, and phone number, I feel this is harassment and it needs to cease.
08/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	SC 29229	Web	Servicemember
This company has a collection that is not mine that is reporting on my credit report. These are the account numbers XXXX XXXX and XXXX XXXX However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CO 80831	Web	Servicemember
Account was paid in full on XX/XX/2022 of XXXX. As a result the company agreed to remove any negative comments from credit when reporting. Additionally, the account was closed and late payments were still reported. There is also a balance still showing on XXXX. It has been removed from the other 2 credit reporting agencies such as XXXX and XXXX. This XXXX account should also be removed from XXXX.
08/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 45005	Web	Servicemember
It didnt give me the option on here for what the actual issue is. I asked TrueAccord to help me set up a payment plan without autopay. Instead they set up a payment plan but didnt ask what worked for me and then made due dates that didnt work for me. I emailed asking them to help. Instead of contacting back they no longer have my accounts and I dont even know where they are who they are with.
03/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web
True accord llc is a debt collection agency that on XXXX has taken action from XXXXXXXX XXXX the original creditor account sayinh that I owe {$260.00} for XXXX XXXX.i have contacted XXXX back on XXXX that I have filed a complaint on the phone and also sent a cfpb complaint about this matter and have not received a reply back .so I'm filling out a new complaint with True Accord about this matter
06/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 20708	Web
First received a email from a XXXX XXXX XXXX named TrueAccord saying that I owe XXXX XXXX ( which I retired from in 2004 XXXX {$86.00} that was reported not paid on charge card. So I called XXXX 's and talk with the Credit Customer Service and was told that bill was paid off so, I had the sent me a email stating that fact. But keep getting threatening emails. From them with a phone number XXXX
02/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 024XX	Web
I received an email from Trueaccord about a debt that I never owned. I called them to dispute the information and they asked me for my last 4 digit SSN saying that they need that information to access the account. I made a mistake and gave them the information. In the end, I was told that the debt was not mine and it was an error. However, I did give away my last 4 SSN. What should I do now?
11/28/2023	Yes	Debt collection Telecommunications debt	Electronic communications Frequent or repeated messages	AL 352XX	Web
To whom it may concern : I've been receiving several text messages and calls since XX/XX/2023 regarding a debt from TrueAccord for {$780.00} for the Creditor XXXX XXXX XXXX. Also I've been receiving calls from XXXX XXXX. I never contracted any service with this company and I don't recognize this debt. I will appreciate your help and support to clarify this situation. Thanks in advance,
10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MN 557XX	Web
On multiple occasions I have contacted that of TrueAccord related to such debt they claim that I owe. They claim to be licensed but they refused to provide me requested material and I discovered that TrueAccord is not reporting to my credit report. It is unethical for a licensed professional, or business, or collection agency, not to report their attempts and involvement to collect a debt.
02/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27591	Web
I'm being contacted by email repeatedly by a company called True Accord. I've made it clear they have the wrong person and they will not stop emailing me after I've asked via email and unsubscribed from communication. The information is below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94606	Web
A third party credit card debt collector is charging me due to a credit card that was not approved by me, my social security card was lost a long time ago and I never got the chance to report my social security card since I know it by memory and now they are telling me to pay off the debt which I never knew about it. The amount they want me to pay is {$500.00} from a credit card company.
09/03/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	KY 410XX	Web
15 usc 1692c ( a ) Didnt give this company my information No contract stolen information 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
06/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92841	Web
TrueAccord account number is : XXXX send me an email that I owe a balance to XXXX I cancel by the website on XX/XX/2018 the services they have been contact me or send me a leads to contact potencial customers I have been with them for 2 years and I have never see a benefit for my business, when I cancel the service with them they continue to charge me moth by month 3 in total.
05/02/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 225XX	Web
I have made several complaints with this office. I continue to get emails and phone calls on " debts '' I do n't owe. A request has been made to send verification of debt. I have not received anything previously requested. I do n't know if this is a scam or legitimate collection company attorney process servers. I get calls at my place of employment and on my personal cell.
04/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
Company, TrueAccord, is trying to collect on a zombie debt of {$8300.00} with XXXX XXXX XXXX ( current creditor of your original XXXX ( South Dakota ), XXXX. ( XXXX XXXX XXXX ) account ) despite the fact that this debt is way past the statute of limitations by XXXX years. I responded months ago, disclaiming this debt and demanded they cease harassing me. They have not.
07/24/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CO 80526	Web
True accord assumes if you dont respond to their unsolicited emails, they can start a payment plan, basically restarting the clock on debts. " We do take payment promises seriously here at TrueAccord. I will be noting this agreement on your account ; if we don't hear from you, we will assume this date works for you '' I have not agreed to any payment plan whatsoever.
11/14/2022	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	IL 60644	Web
I just received a debt collection email on Sunday XX/XX/22 at XXXX XXXX CST. This is outside of the debt collection hours as well the email signature of the alleged company representative says they work Monday thru Friday XXXX EST. Therefore its actually XXXX XXXX EST. Also on XX/XX/22 I received an email from the same representative XXXX XXXX at XXXX XXXX CST.
12/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19119	Web
This company contacted me illegally with my personal information stating that I owed them a debt, they did not provide written consent to contact me or furnish my private consumer information to consumer reporting agencies, they violated my rights, please do not contact me about debt that is not mine, I did not sign any contracts with this company for credit.
11/09/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MI 48092	Web
True Accord has violated my federally protected rights under the fdcpa. As a consumer I was never responsible nor obligated to pay a 3rd party debt collector.. I never gave true accord prior consent to contact me pursuant to 15 USC 1692g ( c ). You are now on Notice to cease and Desist communications from all mediums regarding all alleged debts from sezzle...
04/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	DE 19901	Web	Servicemember
Im getting emails from TrueAccord for credit that was paid to another collection agency over 3yrs ago via garnishments. I even have a copy of the writ of garnishment to prove it. The dates of the emails that I can see are : XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I guess they think I didnt retain any records or would blindly accept their fraudulent claim.
07/11/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 18042	Web
I keep receiving multiple text messages and multiple calls from true cord debt collector. I called and asked to please cease and desist any and all correspondence, and please to only contact me via mail. Even after this, I still have received text messages and calls. I even emailed the email that it says to contact and they still will not leave me alone.
02/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
This company has been emailing me about my deseased mother 's phone bill, which I'm not responsible for. I have proof they have been sending daily emails and now they're sending texts. According to the email they don't own the bill as it is too old to be on my credit and I had already disputed this with a prior company and it was removed XXXX years ago.
04/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91761	Web
A company called True Accord sent an unsecured email to me on behalf of my wife disclosing to me that they're intending to collect a debt and the dollar amount of the debt. From what I understand, they are in violation of the law, considering they performed zero diligence in confirming who they sent an unsecured email to was in-fact related to my wife.
08/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web
On or around XX/XX/XXXX, received an email stating that this company has my account. I've emailed back on the XXXX requesting verification of the dept. On XX/XX/XXXX, received another email stating that they are going to contact the original holder, and will send me the information. Today, almost 30 days later, never received verification of debt.
11/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33317	Web
True accord collection agency emailed me on XX/XX/2023 that they were a debt collection agency and were reaching out to me to collect on this debt. I responded to them and let them know this account was not mine. They have yet to reply back to me, this account is still showing on my credit report as delinquent. This account was opened fraudulently.
09/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19053	Web
TrueAccord contacted me via email stating I owed on a credit debt of {$2600.00} from an account in XX/XX/2007. XXXX XXXX was apparently the original creditor. I do not have this account on my credit history. I am not familiar with this account at all. I tried to dispute the account via TrueAccord website and I was forwarded to XXXX XXXX XXXX.
08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29072	Web
True Accord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX True Accord claims that I owe them {$160.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
12/17/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	NY 14224	Web
XXXX XXXX XXXX was my old cellphone provider, paid the installments and the cellphone bill in full before switching over to XXXX. I have a pending charge for a bill I never continued, the customer service was very poor I didnt have a chance to explain my situation and was told it would be put down as a dispute without ever having a word in.
10/30/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	TN 374XX	Web
Greetings, I have collection agencies that I am not familiar with, contacting me demanding payment that I do not believe is accurate. I am writing you to make you aware of the dispute I have filed with them. I have attached it to have confirmation of proof. Please notate this matter as I may need to circle back around. Sincerely, XXXX XXXX
12/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60056	Web
XXXX was cancelled immediately because their store rep, who signed me up, issued my password and gave it out publicly-this is against store policy. its like someone knowing your ATM PIN. I returned the products & cancelled immediately. XXXX still overcharged an additional {$5.00} which I had removed. I wasnt even living at that property.
11/03/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 77095	Web
True Accord continues to invade my privacy by contacting me via email without my permission or consent. True Accord rep used obscene and abusive language in an attempt to collect an alleged obligation. I do not have a relationship or contract with True Accord. True Accord has not validated the alleged debt however continues to harass me.
11/18/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	KY 40517	Web
I disputed that I owed the debt that XXXX claims I owe, and they acknowledged it and said that they would stop contacting me until they provided me with verification of the owed debt. A few days later, they continued collections actions. They also continued to email me despite the fact I requested that they send me only physical mail.
07/18/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NV XXXXX	Web
Numerous emails from TRUE ACCORD a collection agency with credit merchant XXXX. I receive emails every two days with different amount ( s ) in the email. The XXXX account is closed. TRUE ACCORD will not let me correspondence with XXXX nor let me see an accurate balance owed to the merchant. The harassment of emails need to stop.
02/23/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48227	Web
I have a debt with XXXX but trueaccord has taken over this debt. This lady keeps emailing me constantly. She has even went so far as to tell me that she knows I am opening the emails. She is harassing me at this point. This lady has emailed me 17 times since XX/XX//18. This is not okay. Please help me. Her name is XXXX XXXX
07/02/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 79912	Web
On XXXX XXXX 2017 i recieved a email from TrueAccord. They state that i owe a balance with XXXX . The email was written in such a manner has to convince me that they will threaten me both physically and try to ruin my reputation. They stated they would use any means available to collect the money they say is owed.
10/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 490XX	Web	Servicemember
they released my personal and private information to a third party via text. they gave my name and amount owed. they texted an old phone number and the new owner was able to contact me and let me know he took screenshots from his phone and sent them too me iv attached the screenshots. the old number was XXXX XXXX XXXX.
11/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AZ 85021	Web
I paid this debt off XX/XX/XXXX and XXXX reported to XXXX XX/XX/XXXX that there was still a balance. I recently submitted a dispute with XXXX that this collection has been paid in FULL! XXXX Certified to XXXX that there was still a balance. They lied and are currently hindering me from purchasing a house for my family!!
12/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27609	Web
On XX/XX/2023, I had paid the XXXX balance in full on the account and received an email from the debt collector true accord that the payments were paid. Yet, I show on all three of my credit reports that there is an outstanding debt with this collection agency and that there is no up to date reporting reflecting paid.
12/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CA 94541	Web
I have been complaining with all of the debt collector letters that I have receiving. Stated I owe XXXX XXXX XXXX XXXX {$1000.00}. I already called and filed the fraudulent form with XXXX XXXX XXXX. This debt collector is a new one name True Accord. So far I have reported 3 debt collectors here in CFBP to investigate.
08/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 180XX	Web
I received an email from TrueAccord on XX/XX/2018 about a XXXX account that they wanted me to pay. I replied back on XX/XX/2018 and I asked them to please Verify the alleged debt and they sent me some sort of billing statement on XX/XX/2018 instead. Can you please look into this for me? This does not verify anything.
01/10/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CT 064XX	Web
true accord contacted me about money that I owed to XXXX XXXX bank they told me I could settle for XXXX I paid XXXX which I over paid by mistake. in am on disababity and I need that over payment back to me they said they would also take this off my credit report if I paid and would return my over payment back to me
06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	DE 19709	Web
Repeated calls from this debt company with different numbers. Back to back calls with rude tone. Checked email and found attached letter. I do not owe debt to XXXX XXXXXXXX as stated on the letter. According to the email this so called debt is over XXXX years old and the attempt is now being made in a false debt.
01/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90504	Web
I have a alleged debt with a company by the name of TRUE ACCORD in the amount of XXXX. I have sent them a letter certified mail stating for them to verify this alleged debt that I am not aware of. I have tried multiple times to dispute with credit bureaus but they have forward me to the 3rd party collector.
12/30/2018	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	ME XXXXX	Web
Received this email, and I have never received one from this company before, contrary to the language within it. I have also never received any phone calls or letters in regards to this alleged debt. I am currently experiencing a household member going through a critical medical situation. Thank you.
09/27/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	CA 91740	Web	Older American
They clain this is a debt that I owe from XXXX that was charged off in 2009 that would be 14 years ago which I know is past the statute of limitations I responded with an email that it is past and that I would not have any records that far back anyway so leave me alone but they keep sending emails.
04/14/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 21244	Web
Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.
12/03/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95961	Web
XXXX XXXX XXXX is claiming I owe them over {$1400.00}, problem being I never borrowed money from that establishment ... they are located on an XXXX XXXX, so they are exempt from state law.. I am the victim of identity theft ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX
04/17/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28226	Web
TrueAccord reached out to me to pay a debt to XXXX. they offered a discount with just removed their fees. I paid the amount in full and it's been over 30 days and they have not paid XXXX for the debt. XXXX stated they have not recieved payment and the company has stopped returning my emails.
02/24/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78230	Web
I keep getting repeated text message from this company by the name of TrueAccord. SMS style messages with a link, i reply stop and I get a message back saying i have opted out of sms messages. I have gotten this same message five times from five different numbers. This is obvious harassment.
11/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT XXXXX	Web
I received an email from True accord crop, about a XXXX XXXX bill with practically no information other than to dispute or set up payments l. This debt is not mine as I was in bankruptcy and can not open a new account during the time frame. The email has several links and non of them work.
03/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20878	Web
They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXXXXXX so there is no way for me to owe any balance. But I received an email requesting payment from me.
07/30/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KS 674XX	Web
On XX/XX/2022 This company sent an email to my daughter about a debt they are attempting to collect from me Included in the email were details and account numbers. I had never provided them with her contact information. They have also not notified me about any right to dispute the debt.
06/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77581	Web
debt was paid on the telephone by original creditor and considered paid in full {$600.00} and will credit the other {$75.00} on XX/XX/2022 but debt collection still trying to collect on. the {$75.00} when original creditor already agreed it will repaid in full with thee {$600.00} amount
02/05/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 23607	Web
TrueAccord has sent me over 1000 emails since 2021 regarding a debt that I have asked them to send information to my address on file and validate the debt is mine by providing a signed contract etc. They only validated the debt via email and continue to send emails to collect the debt.
09/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08876	Web
Hi, I received this debt collection e-mail in error. Given the address they have on file and the debt they are trying to collect, this collection agency has me confused with someone else. However, Im primarily concerned that this is a phishing attempt. Thanks and regards.
10/19/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 34609	Web
Company is trying exacerbate the amount of debt I owe. Claiming I owe over {$300.00} in interest on a {$160.00} balance of a card that is not even 6 months old. I offered to pay the balance of the card of {$160.00} and they still want me to pay ridiculous amounts of interest.
08/27/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL XXXXX	Web
I received a text message today ( XX/XX/21 ) indicating I owe money to someone or a company. The text is from TrueAccord, a debt collector. They did not include an amount or a way to opt out of the text messages. They did include a link in the text that I have not clicked on.
02/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 770XX	Web
I received an email from TrueAccord saying they were trying to collect a debt of {$150.00} for XXXX for a radiator service. I never had any work done on my car by XXXX. I called and spoke with them and they said there is no debt with them. I never authorized any charges.
08/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 292XX	Web
I did not file for bankruptcy but that was the closest link match what has happened. I am being contacted by email ; the company TrueAccord Corp . The amount is XXXX. I checked my credit reports and this debit is not on my XXXX credit reports. Please assist. Thank you
05/13/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TN 38109	Web
They are texting me stating that I promised to pay a debt to them but I have not made any promises as I have not talked with anyone with TrueAccord and I dont know what debt they are talking about because when I click the link it showed that the link could not be found
09/02/2023	Yes	Credit card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 32073	Web
True Accord a charge off company that took ahold of XXXX XXXX XXXX XXXX says I owe {$290.00} for a purchase that I did not make The date was on XXXX I was just aware of this on XXXX. I reach out to company No phone call back or email Im asking for removal of this
12/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95826	Web
THIS CREDITOR HAS BEGAN SNDING LETTERS STATING THAT I OWE DEBT O AN ACCOUNT I HAVE ABSOLUTLEY NO KNOWKEDGE OF OR HAVE EVER POSSESED AND ACCOUNT WITH THIS CREDITOR. I DEMAND THEY STOP SENDING LETTERS TO MY ADDRESS AND PROCEED WITH REMOVING THIS FRADULENT ACCOUNT
10/10/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MS 39046	Web
They keep emailing me day in and day out trying to collect on a debt that has been written off by the company as a loss. I asked them to stop her they still try to contact me by email daily! I cant open my email without seeing them and having a panic attack.
02/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 604XX	Web
I owned a debt with XXXX XXXX XXXX over 10 years old. I was informed they would take my money from a bank account. I tried to settle with them TrueAccord. My bank warned me of fraud, They would not allow payment. I told them this was fraud, Please help me.
04/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70506	Web
I received an email in regards to money owed ( {$65.00} ) to XXXX XXXX. Basically it shows I had ( have ) an account with them. I never had an account with XXXX XXXX. So, the mailing is false and dubious. I have attached a copy of the email they sent me.
11/22/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92507	Web
I'M receiving email from an repersentative of XXXX XXXX XXXX XXXX XXXX ( current creditor of original XXXX XXXX XXXX account ) this email is from an repersentative of true accord to collect on a debt of an huge amont which was never borrow such amont.
07/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
Been receiving emails from XXXX XXXX claiming to be with True Accord stating that I owe XXXX XXXX {$420.00} and I can settle for {$330.00}. I looked up XXXX XXXX and they finance Horse Trailers. I live in an apartment complex. Please see attachments.
04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 324XX	Web	Older American
XXXX loans were taken out in my name for trips to XXXX that I didn't authorize. The trips are through XXXX and not in my name even though the loan with XXXX is in my name. XXXX says that the trips are non-refundable and XXXX is requiring me to pay.
12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19145	Web
I have reached out to XXXX XXXXXXXX and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. XXXX XXXX is in violation of my rights as a federally protected consumer.
05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80228	Web
back n XXXX of 2020 i saw two accounts that i didnt open with XXXX XXXX bank and reached out to get it removed to no avail now said account is on my credit report still and has been charged off due to someone making purchase on accounts
08/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95993	Web
I received an email from a debt collection company called True Accord. The problem is that there is not enough information about original creditor. In short the emal refers to a bank account and charges that were applied to a bank card.
08/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 18017	Web	Older American
On XX/XX/2023, received several emails from a collection agency trying to collect a debt of over {$14000.00} owed to original creditor XXXX of South Dakota. The debt collector is TrueAccord Corp. and account XXXX. This is not my debt.
03/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web
I tried disputing several accounts and inquires on my credit report but nothing has been done and I have given my supporting details and documents but due to my inability to properly identify myself or security questions given.
06/06/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 787XX	Web
They are attempting to collect a debt that is not owed. The verification paperwork shows there are inconsistencies in billing practices, but they will not even look at the paperwork despite me requesting they do so for months.
07/17/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48237	Web
This company continues to email my mother who is not on the account. Within the email it includes my name amount owed and other details regarding my business with them. I have requested for them to stop yet they continue.
10/14/2023	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	VA 24151	Web
Repeated phone calls after I have asked them to stop calling. Mass spaming of email as you can see in the attached screenshot. I have recorded the ohone calls and me asking them to stop calling as well and they still do.
05/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27587	Web
I receive daily text messages from True Accord advising that a debt is owed by me. To date, no communication or validation of the debt has been received. This company is in violation of the FCRA reporting standards.
12/04/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	TN 38141	Web
XXXX XXXX XXXX XXXX has sold debt to another collection agency. I have been getting emails, starting XX/XX/2023, from TrueAccord saying they have the debt but XXXX XXXX is still reporting like they have the debt.
09/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10039	Web
On XX/XX/XXXX I sent true accord a letter asking them to validate the Debt they were alleging that I owed. On XXXX it was said that true accord received my letter. I have yet to receive the validation of the debt.
05/12/2020	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75149	Web
I noticed on my credit report a ding from XXXXTrue Accord. I reached out to XXXX to pay the balance but they wouldn't accept my payment. They then told me to contact True Accord and no one would accept my payment.
02/20/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	AR 72204	Web	Servicemember
On XX/XX/2020 i recieved an email from TrueAccord on behalf on XXXX XXXX threatening me that if i did not contact them regarding the debt, that XXXX will use an attorney to take me to court for the alleged debt.
09/28/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NM 87105	Web
Calls all day from blank named numbers, different company names, all from same company. I've told repeatedly to stop calling emailed company to stop but they just started calling more times per day 20 plus now
12/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27587	Web
Received notification from collection agency advising that debt was owed by me. This company did not verify or validate the debt belonged to me. This company is in violation of the FCRA reporting standards.
01/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19104	Web
True Accord sent me and email stating that they now own a alleged debt of {$400.00} that I allegedly owe to a company called XXXX. I owe no such debt and would like them to cease and desist contacting me.
05/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 763XX	Web
ture accord trying to collect debt not mine. Contact has only my name on it not sign by me. Name printed on the contact too neat for my writing. Sales person on contact no longer with mattress co
03/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94520	Web
This account was opened fraudulently i Did not give medicine to anyone to open this account under my name or Social Security number Continuing to keep this account open will result in a lawsuit
10/30/2021	No	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 77095	Web
True Accord has contacted me via email asking me to pay an unvalidated and unverified debt. True Accord 's emails are false and misleading. I did not give True Accord permission to contact me.
04/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OH 440XX	Web
I am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.
01/16/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MA 02127	Web
My mother was called on her landline number and they were asking her where I was and that they are debt collectors. Clearly that is not my mothers business and it was inappropriate.
09/28/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 75216	Web
True Accord has been harassing me by email to collect a debit. I received 34 emails from different staff members at True Accord trying to collect a debt that I owe to XXXX XXXX XXXX.
08/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 967XX	Web
Recieved an email from Trueaccord.corp stating that I owe a debt of {$180.00} I do not know of this company and I do not recall doing any kind of business with Trueaccord.corp
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10457	Web
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
03/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 346XX	Web	Older American, Servicemember
Contacted via text. Tried calling back not valid... XXXX. No other means of communication orbidrhtitu concerning alleged debt- in violation of fair debt reporting act.
04/03/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92683	Web	Servicemember
My debt was sent to a third party without my knowledge I had never received a debt validation letter I have been receiving letters and calls from a collection agency
12/07/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48150	Web
On XX/XX/, I was informed by my brother that despite havent no association to this supposed debt, has been harassed and even had his XXXX score negatively impacted.
09/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19468	Web
I just checked my credit report and seen a charge on there that I did not give consent it says i opened up a bank account last XXXX in Missouri when i live in PA
07/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 856XX	Web	Servicemember
Previous complaint filed against this company. Received new email from different email address today for same debt not ours. Refer to oiginal complaint # XXXX.
03/27/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07065	Web
This debt was settled and paif through True Accord and it still remains on my credit report. I would like it taken off of all 3 credit reporting bureaus
05/10/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	TX 775XX	Web
Received text tonight at XXXX. Do not know what debt this is in reference to the message is very vague but they should not be contacting anyone at XXXX
11/25/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 07047	Web
I have an item on my credit report - that have one amount and there is a collection company collecting three times the amount so im a bit confused -
09/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07047	Web
I believe I'm being taken advantage of - I'm paying off a debt that is not reflected on my credit report. The amount on my credit report it lower.
08/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95008	Web
contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. Truaccord wrote that I owe XXXX to XXXX XXXX.
05/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 64030	Web	Servicemember
Started getting emails. Contacted " original ' " creditor. '' They stated they never sent this in for a collection. This company is a scam.
04/02/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MI 483XX	Web
Emails me multiple times a week about the {$670.00} I owe them. I understand that I owe them but sending me emails all the time does n't help.
01/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 608XX	Web
I am a federally protected consumer and True Accord has violated me under the provision of 15 USC 1692. Please review attached documentation.
12/20/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AR 72761	Web
INVANSION OF PRIVACY AND DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. VIOLATORS. WE ARE GOING TO FILE CLASS ACTION LITIGATION.
08/13/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 76543	Web	Servicemember
TRUEACCORD SENT ME AN EMAIL STATING THAT I COULD PAY MY DEBT TO THEM. I HAVE NEVER BORROWED MONEY FROM TRUEACCORD, NOR DO I OWE THEM MONEY.
02/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 106XX	Web
XXXX XXXX has sent me to debt collector agency TrueAccord. I have never purchased any items in XXXX the jewelry. It says I owe {$2000.00}.
02/01/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33196	Web
True Accord continues to call me, text me about a debt which is not mine. The bank is XXXX XXXX which does not belong to me for {$970.00}
02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46825	Web
A debt collector repeatedly emails me about a XXXX debt that is not mine. I sent a cease and desist letter and he still contacts me.
01/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77065	Web
I have been receiving emails from a company called True Accord stating I owe a debt and need to pay it. The emails started XX/XX/19.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 490XX	Web
Tried to call them XXXX times No answer Fraud from XXXX on my account Says its pending but havent provided updates on mail received
04/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30339	Web
I have a debt from XXXX account No # XXXX for XXXX paid on XXXX 2021 refusing to update my credit report. I have proof of payment.
11/23/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77338	Web
In XXXXXXXX XXXX XXXX the date was paid in full and not report. Its all three credit bureaus, including XXXX XXXX XXXX XXXX.
03/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
I received an email that XXXX XXXX XXXX owed XXXX XXXX {$3000.00}. I dont know who XXXX XXXX XXXX and I dont owe XXXX XXXX
09/21/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	NH 032XX	Web	Older American
This company states I owe {$1500.00} back from 2012, and the statute of limitations has passed. I do not owe them anything.
07/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33034	Web
Received an email communication advising that I owed balance of {$7900.00} to TrueAccord. I have no knowledge of this debt.
10/17/2023	Yes	Debt collection Telecommunications debt	Communication tactics Frequent or repeated calls	LA 701XX	Web
XXXX keeps contacting me regarding a debt thats not mine, or that I have no acknowledgment of the creation of the account.
10/10/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 95961	Web
XXXX XXXX XXXX & XXXX XXXX XXXX is saying I owe this debt, but I DO NOT owe it. I was victim of of identity of ID theft.
03/25/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77053	Web
XXXX XXXX ACCOUNT # XXXX SOLD A DEBT TO TRUEACCORD A COLLECTION DEBT COMPANY THAT IS TRYING TO COLLECT A DEBT ILLEGALLY
11/30/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 48093	Web
Payment demanded by TrueAccord for a debt with XXXX on behalf of XXXX XXXX XXXX. I've never had an account with XXXX.
03/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web
Email : Trueaccord.com, XXXX XXXX amount XXXX. I responded that it is not my account to stop sending these email.
06/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
TrueAccord Corp is trying to collect a total of XXXX. I do not know what this is and I would like this removed.
09/20/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 604XX	Web
TrueAccord are continuing to attempt to contact me without my consent and collect on a debt that I do not owe.
08/16/2021	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	OH 43613	Web	Servicemember
True accord has an employee by the name of XXXX XXXX he is sending me emails for debt at XXXX XXXX at night.
05/05/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28083	Web
I get nonstop calls from different numbers everyday from the true accord debt collectors for over a year now
06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Older American
I re eived an email about an increase in a debt by a company representing XXXX that I don't even recognize
04/13/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30067	Web
The information this debt collection agency is claiming to be mine is not accurate information.
09/03/2023	Yes	Debt collection Payday loan debt	Electronic communications You told them to stop contacting you, but they keep trying	GA 30310	Web
They email and call me constantly but all but refuse to show me where this debt is from.
06/03/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 48224	Web
They did not provide original contract or an agreement with ALL parties involved.
08/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28227	Web	Older American, Servicemember
Receivied phone call ( XXXX ) XXXX True Accord. I do not owe anyone any thing.
11/28/2023	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	KY 40509	Web
Trueaccord will not stop texting me even after replying stop multiple times.
06/22/2023	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	TN XXXXX	Web
True accord texted me over a debt at XXXXXXXX XXXX. Waking myself and family
12/20/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33068	Web
NOTICE of Racketeering activities and unlawful deceptive business practices.
04/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 181XX	Web
True Accord tried to get my information. Said I owed a company I never owed.
02/07/2017	Yes	Payday loan	Received a loan I didn't apply for	KY 410XX	Web	Servicemember
Been receiving threatening emails from TrueAccord copy attached.
11/24/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10451	Web
Im being harassed and abused pursuant to 15 USC 1692 ( e )!
08/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 330XX	Web
this involve a children my daughter have XXXX years old
10/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28056	Web
I dont owe them or no this company at all
12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19608	Web
Delete all errors on my files and report
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA XXXXX	Web
Delete old accounts on my credit reports
09/30/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 90291	Web
Will not stop sending me emails.
11/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08873	Web
This is not my debt.
04/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92555	Web
Not my debt
02/03/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21001	Web

02/02/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 15206	Web

01/30/2024	Yes	Debt collection Auto debt	Electronic communications Frequent or repeated messages	CA 92804	Web

01/29/2024	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	TX 77007	Web

01/27/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90013	Web

01/24/2024	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	NH 03857	Web

01/24/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	AZ 860XX	Web

01/23/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19095	Web

01/22/2024	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OK 74801	Web

01/20/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33142	Phone	Older American

01/20/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98225	Web

01/18/2024	Yes	Debt collection Telecommunications debt	Electronic communications Frequent or repeated messages	MN 557XX	Web

01/17/2024	Yes	Debt collection Telecommunications debt	Electronic communications Frequent or repeated messages	CA 92553	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65616	Web

01/12/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34769	Web

01/11/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MI 48208	Web

01/11/2024	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 94127	Web

01/11/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CA 90046	Web

01/09/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89028	Web	Older American

01/07/2024	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	FL 344XX	Web

01/06/2024	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	MD 20902	Web

01/04/2024	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	DE 19703	Web

01/04/2024	Yes	Debt collection Telecommunications debt	Communication tactics Used obscene, profane, or other abusive language	CA 90059	Web

01/03/2024	Yes	Debt collection Telecommunications debt	Electronic communications Contacted before 8am or after 9pm	MI 48219	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77077	Web

12/29/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	NC 28216	Web

12/28/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	WI 53703	Web

12/26/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	CA 95125	Web

12/26/2023	No	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MO 63367	Web	Older American, Servicemember

12/26/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	GA 303XX	Web

12/24/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30126	Web

12/21/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33556	Web

12/20/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92011	Web	Servicemember

12/20/2023	Yes	Debt collection Telecommunications debt	Electronic communications Frequent or repeated messages	TX 77304	Web

12/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91335	Phone	Older American

12/17/2023	Yes	Debt collection Telecommunications debt	Electronic communications You told them to stop contacting you, but they keep trying	VA 22031	Web

12/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45230	Web

12/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 94945	Web

12/09/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MO 64129	Web

12/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92802	Phone	Older American, Servicemember

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30068	Web

12/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30474	Web

12/04/2023	Yes	Debt collection Telecommunications debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 07735	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85138	Web

11/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 66701	Web

11/28/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	SD 57103	Web

11/21/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	NJ 07882	Web	Older American

11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07103	Web

11/17/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	CO 80129	Web

11/12/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	SC 29730	Web	Servicemember

11/06/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CO 80123	Web

11/06/2023	Yes	Debt collection Telecommunications debt	Electronic communications You told them to stop contacting you, but they keep trying	VA 24319	Web

11/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60175	Web

11/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30052	Web

10/26/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 33055	Web

10/26/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 33055	Web

10/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27527	Web

10/19/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	SC 29435	Web

10/17/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	OH 44131	Web

10/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33573	Web

10/06/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	AL 36108	Web	Servicemember

10/05/2023	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	NJ 08053	Web

10/02/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NJ 07059	Web

10/02/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	NY 11221	Web

09/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

09/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78738	Web

09/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60651	Web

09/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19032	Web

09/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30083	Web

08/28/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MI 48092	Web

08/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 63043	Web

08/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37406	Web

08/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80128	Web

08/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72401	Web	Servicemember

08/16/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 64790	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44121	Web

08/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37412	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32209	Web

07/31/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	NC 284XX	Web

07/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77384	Web

07/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38028	Web

07/26/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 90001	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11213	Web

07/25/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NE 68105	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33616	Web

07/21/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45213	Web

07/18/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 76016	Web

07/18/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 07063	Web

07/18/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33068	Web

07/13/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91910	Phone

07/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 20772	Web

06/28/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33068	Web

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76179	Web

06/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33441	Web

06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21133	Web

06/21/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 355XX	Web	Servicemember

06/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44121	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 47714	Web

06/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11743	Web	Servicemember

06/16/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MN 55434	Phone

06/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01536	Web	Older American

06/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

06/10/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 31322	Web

06/06/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	DE 19805	Phone

06/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60422	Web

06/02/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 56401	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39741	Web

05/30/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AK 99701	Web

05/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 38671	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77396	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19612	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19612	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19608	Web

05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48111	Web

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89108	Web

05/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 36322	Web	Servicemember

05/07/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91316	Web

05/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94607	Web

05/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98208	Web

04/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TN 37115	Web

04/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10550	Web

04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32224	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 18707	Web

03/23/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23454	Web

03/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21050	Web

03/19/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92154	Web

03/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19904	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60016	Web

03/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60462	Web

03/15/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60416	Web

03/14/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 17603	Web

03/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11367	Web

03/14/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MA 02368	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 302XX	Web

03/06/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30318	Web

03/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55128	Web

03/01/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32301	Web

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61115	Web

02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90044	Web

02/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11365	Web

02/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63135	Web

02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10458	Web

02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98166	Web	Servicemember

02/20/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NJ 08021	Web	Older American

02/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NE 68505	Web

02/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28625	Web

02/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30342	Web

02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30342	Web

02/09/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29118	Web

01/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60657	Web

01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33346	Web

01/30/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32117	Web

01/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29461	Web

01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10458	Web

01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10458	Web

01/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19126	Web

01/20/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28269	Web

01/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30318	Web	Servicemember

01/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38016	Web	Servicemember

01/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30277	Web

01/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 63108	Web

01/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11367	Web

01/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	GA 31533	Web

01/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70058	Web

01/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48209	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76548	Web

01/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90221	Web

01/04/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 07108	Web

12/31/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 75232	Web

12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web

12/28/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20772	Web

12/24/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WI 53142	Web	Older American

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30314	Web

12/22/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 61201	Web

12/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30342	Web

12/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 62901	Web

12/17/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MI 48215	Web

12/16/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 22406	Web

12/14/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30318	Web

12/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60409	Phone

12/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53027	Web

11/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75010	Web

11/26/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29732	Web

11/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78501	Web

11/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CO 80010	Web

11/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30039	Web

11/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38501	Web

11/19/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	OK 74074	Web

11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KY 40219	Web

11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web

11/07/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 49321	Web

11/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44313	Web

11/05/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06450	Web

11/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08035	Web

11/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web

10/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27703	Web

10/20/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NV 89183	Web

10/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web

10/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33542	Web	Older American

10/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85021	Web

10/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20007	Web

10/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92410	Web

10/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53224	Web

10/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53224	Web

09/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37040	Web

09/27/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30088	Web

09/22/2022	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	PA 19013	Web

09/21/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MT 59715	Web	Older American

09/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73134	Web

09/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10451	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web

09/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48227	Web

09/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02721	Web

09/09/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OH 45011	Web	Older American

09/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01760	Web

09/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	ME 04222	Web	Older American, Servicemember

09/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11520	Web

08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43228	Web

07/25/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AZ 85395	Web

07/19/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MI 48601	Web

06/16/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 11783	Web

06/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WI 53081	Web

06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20774	Phone

05/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90034	Web

05/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76039	Web	Servicemember

04/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 18103	Web

04/29/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 73025	Web

04/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98203	Web

04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74134	Web

04/25/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92657	Web

04/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36109	Web

04/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11706	Referral

04/02/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30241	Web

04/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32819	Web

03/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32779	Web

03/11/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85024	Web

03/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53913	Web

03/02/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30341	Web

02/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80467	Web

02/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60302	Web

02/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 92801	Web

02/02/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85281	Phone

02/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30350	Web

02/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84109	Web

01/29/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	IL 60137	Web

01/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 23510	Phone

01/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33603	Web

01/16/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08822	Web

01/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33603	Web

01/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35405	Web

01/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

01/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63126	Web	Older American

12/23/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 93534	Web

12/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77096	Web

12/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95823	Web

12/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30106	Web

12/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48328	Web

12/12/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 083XX	Web

11/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77071	Web

11/23/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33060	Web

11/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77082	Web

11/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02119	Web	Servicemember

11/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10598	Web

11/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35022	Web

11/01/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33067	Web	Older American, Servicemember

10/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53217	Web

10/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30083	Web

10/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95662	Web

10/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28217	Web

10/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21228	Web

10/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75038	Web

10/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98418	Phone

10/04/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 54701	Web

09/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MO 64111	Web

09/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90069	Web

09/12/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CO 80021	Web

09/06/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 10467	Web

08/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98166	Web

08/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60586	Web

08/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60655	Web

08/18/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31907	Web

08/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AR 72034	Web

08/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NH 03802	Web

07/14/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	RI 02919	Web

07/12/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89145	Web

07/06/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85295	Web

06/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

06/27/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 19023	Web

06/25/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85746	Web

06/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 20772	Web

06/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55014	Web

06/15/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	LA 70122	Web

06/11/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60586	Web

06/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95138	Web

06/06/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MS 39213	Web	Older American

06/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76266	Web

05/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19114	Web

05/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91785	Web

05/27/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33511	Web

05/25/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11216	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85260	Web

05/20/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AP XXXXX	Web

05/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98075	Web

05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95821	Web

05/01/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	PA 19111	Web

04/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73044	Web

04/22/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CO 80015	Web

04/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60655	Web

04/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 36693	Web

04/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 53813	Web	Servicemember

03/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76502	Web

03/19/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34695	Web	Older American

03/12/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 18403	Web

03/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30179	Phone	Older American, Servicemember

02/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	ID 83402	Web

02/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07650	Web

02/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76520	Web	Servicemember

02/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75225	Web

02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14094	Web

02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73644	Phone

01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30605	Web	Servicemember

01/04/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	MA 01085	Web

01/02/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CO 80013	Web

12/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33919	Web

12/16/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 90027	Web

12/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 99324	Web

12/15/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75010	Web

12/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19702	Phone	Older American

12/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98901	Web

12/04/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 72701	Web

10/29/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33067	Web	Older American, Servicemember

10/27/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21117	Web

10/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15642	Postal mail

10/10/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 62260	Web

10/01/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19114	Web

10/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75074	Postal mail

09/25/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CO 80201	Postal mail

09/24/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MT 59602	Web

09/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60640	Web

07/31/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 75092	Web

07/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32117	Fax

07/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19401	Fax

07/06/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75234	Web

06/26/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CO 80215	Web

05/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77530	Fax

05/16/2020	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 90717	Web

04/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	IL 60425	Web

04/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21206	Phone

01/31/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 27588	Referral

01/26/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90002	Web

01/07/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 91768	Web

01/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60030	Web

12/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	KS 66605	Postal mail

12/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77489	Web

10/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60453	Postal mail

10/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30909	Web

10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98057	Web

09/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93257	Web

09/23/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90002	Web

09/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37404	Postal mail

09/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08081	Postal mail

08/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75203	Web

07/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02777	Postal mail

06/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 18103	Web

06/10/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32245	Web

05/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft		Phone

04/02/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OH 45247	Web

03/10/2019	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17860	Web

03/04/2019	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34238	Phone	Older American

02/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37115	Web

02/18/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33054	Web

02/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33054	Web

02/15/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92836	Web

10/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29568	Postal mail

09/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85050	Referral

06/29/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone

06/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93012	Postal mail

05/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45601	Referral

04/27/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77045	Web

04/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20148	Web

04/09/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 43017	Web	Servicemember

04/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85705	Postal mail

03/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77045	Web

03/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 65018	Web

03/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63111	Web

03/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10024	Postal mail

02/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19026	Web

12/17/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32808	Web

12/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27615	Postal mail

12/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 47951	Web

11/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89706	Web	Servicemember

09/20/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44221	Postal mail	Servicemember

08/25/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20785	Phone

06/28/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web	Servicemember

05/22/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33716	Web

04/26/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web

04/18/2017	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	MI 49120	Web	Older American

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98405	Referral

03/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	OH 44119	Web

03/04/2017	Yes	Debt collection Payday loan	Disclosure verification of debt Not disclosed as an attempt to collect	IN 46835	Web

02/28/2017	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	IL 60560	Web

02/06/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	UT 84117	Web

01/08/2017	Yes	Payday loan	Charged fees or interest I didn't expect	VA 23464	Web

01/05/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NM 87505	Web

12/01/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 76002	Web

11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11201	Web

08/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77831	Web	Servicemember

06/15/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	FL 32935	Referral

04/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33914	Web	Servicemember

01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48040	Phone

11/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76712	Web

10/16/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MA 01775	Fax

06/30/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NC 28650	Web

06/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MT 59901	Web

05/12/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75104	Referral

03/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78599	Web

01/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20854	Web

01/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NY 10030	Web

01/22/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NC 27607	Web

08/26/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 94119	Web

08/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	CA 91360	Web

08/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 92143	Web

07/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 94589	Web

05/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 47112	Web	Older American, Servicemember

05/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08081	Phone