Consumer complaint received 2023-02-07
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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.

Company response to consumer: Closed with explanation