Consumer complaint received 2020-06-17
Company: TrueAccord Corp.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
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.

Company response to consumer: Closed with explanation