Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (TX)

To Whom It May Concern, I am writing in response to the letter you sent regarding a debt you are attempting to collect. Please note that this is not a refusal to pay but a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ). I am disputing this claim and requesting validation of the debt. Additionally, I have reason to believe that you are in violation of 15 U.S.C. 1692e, which prohibits false or misleading representations. 

This is a request for validation, not mere verification or proof of my mailing address, pursuant to the aforementioned title and section. The account in question is listed below : Account XXXX : XXXX Alleged Balance : {$840.00} I respectfully request that your office provide competent evidence of my legal obligation to pay this debt. You contacted me by email on XX/XX/2024, identifying the alleged debt as being from the original creditor. Please supply the following information so that I can be fully informed : 1. Details of the Debt and Creditor : - The name and address of the current creditor, the account number used by that creditor, and the amount owed.

- If this debt originated with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed at the time it was transferred. Include any other names by which I might know the original creditor if it differs from their official name.

- Documentation verifying that there is a valid basis for claiming that I am required to pay the debt to the current creditor, such as a copy of the written agreement that created my original obligation.

2. Amount and Age of the Debt : - A copy of the last billing statement sent to me by the original creditor.

- The amount of the debt when you obtained it and the date it was obtained. 
- An itemization of any additional interest, fees, or charges added since the last billing statement from the original creditor, along with explanations of how these are authorized by the agreement or permitted by law. 
- An itemization of any payments or reductions since the last billing statement from the original creditor. 
- The date the debt became due and delinquent. 
- The date of the last payment made on this account. 
- Your determination of whether this debt is within the applicable statute of limitations, including the date you believe the statute of limitations expires and how you determined this.

3. Your Authority to Collect This Debt : - Information about your firm 's debt collection license from my state, including the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.

- If your firm is contacting me from outside my state, provide the same information for that location.

I request this information to make an informed decision regarding your claim that I owe this money. Until I receive this information, please treat this debt as disputed and under discussion.

Additionally, please provide the following : 1. Full disclosure that my signature was used to create the credit.

2. Equal consideration, as the creditor brought nothing of value and has nothing to lose.

3. Confirmation that the terms and conditions were lawful and not based on fraud.

4. The wet ink signatures of both parties involved in the agreement.

I am not disputing the debt itself but demand the information listed above to facilitate payment. Please respond within 10 days of receiving this certified letter. Failure to respond will result in the debt being considered fully discharged, and I will need written confirmation of this discharge due to your non-compliance in providing the necessary evidence of a lawful debt within a reasonable period. 

Without prejudice, XXXX XXXX XXXX