Consumer complaint received 2021-03-14
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
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!

Company response to consumer: Closed with explanation