Product: Debt collection

To Whom It May Concern, I am writing to formally address and document the ongoing issues I have experienced with the handling of my XXXX  account, which originated on XX/XX/XXXX, under an installment plan. These issues include the unauthorized involvement of TrueAccord, a third-party debt collector, without appropriate validation of the debt, as well as a series of unresolved communications and unmet obligations from both XXXX and TrueAccord. 

Chronology of Events : XX/XX/XXXX : My original installment plan began with XXXX. 

XX/XX/XXXX : I received my first communication from TrueAccord, referencing a supposed debt. This action compromised my privacy as I had no contractual agreement with TrueAccord. 

XX/XX/XXXX : I formally requested validation of the debt from TrueAccord. 

XX/XX/XXXX : TrueAccord sent another notice, again stating I owed a debt without providing any validation or explanation. 

XX/XX/XXXX : I responded, requesting clarification on the owner of the referenced account. I received no response. 

XX/XX/XXXX : I followed up with another inquiry. Again, no response was provided. 

XX/XX/XXXX : I sent a more detailed request for validation and gave a deadline of seven days for a response, emphasizing that this unresolved matter was affecting my ability to use XXXX, a service I rely on to purchase clothing for my children. No response was received. 

XX/XX/XXXX : TrueAccord replied but failed to provide proper validation, merely reiterating their claim of the debt. 

XX/XX/XXXX : Another notice from TrueAccord arrived, once again restating their company details with no resolution or validation. 

XX/XX/XXXX : I sent a formal notice to TrueAccord, including the contact information for XXXX XXXX XXXX. In this notice, I outlined 12 specific demands for validation of the debt or, failing that, a request to zero out the balance on the account. TrueAccord did not fulfill these demands. 

XX/XX/XXXX : TrueAccord finally responded, stating they would request validation from XXXX and assured me that the debt would not be reported to credit bureaus. They also indicated the account would be updated as paid in full. However, no further action or resolution occurred. 

XX/XX/XXXX : After months of inaction, I contacted XXXX directly with evidence of TrueAccords commitment to update the account as paid in full. XXXX assured me I would receive a response within 72 hours. Despite this promise, no response was received. 

Summary of Concerns : Privacy Violation : The referral of my account to TrueAccord without proper validation of debt or my authorization constitutes a breach of my privacy. 

Failure to Validate Debt : Despite multiple formal requests, TrueAccord failed to provide sufficient validation of the alleged debt. 

Neglect of Communication : Both TrueAccord and XXXX failed to adhere to deadlines and commitments to provide responses or resolution, leaving the matter unresolved for over a year. 

Impact on Financial Dependability : The unresolved nature of this matter has impeded my ability to rely on XXXX for essential purchases, such as clothing for my children. 

Failure to Update Account : TrueAccords assurance that the account would be updated as paid in full has not been honored, and XXXX has not taken steps to rectify this matter.