Consumer complaint received 2021-08-03
Company: TrueAccord Corp.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
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 :.

Company response to consumer: Closed with explanation