Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (NY)

Subject : Formal Debt Validation Request Pursuant to 15 U.S.C. 1692g Re : Account Number XXXX Dear TrueAccord Corp, This letter serves as a formal request for validation of the above-referenced account, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). I respectfully request that you provide documentation to substantiate this debt and confirm the legal right to collect on it. Specifically, I request the following : Verification of Debt : Under 15 U.S.C. 1692g, I request a detailed account statement validating the nature of the alleged debt, including the original creditors name and any substantiating documents, statements, or other records that confirm the balance claimed. Please also provide the assignment contract between TrueAccord Corp and the original creditor that permits you to collect on this account. 

2. Proof of Reporting Accuracy ( 15 U.S.C. 1681i ) : As per the Fair Credit Reporting Act, I request that you provide detailed evidence showing the accuracy of the information reported to the credit bureaus. I am also requesting that this account be removed from my credit report should your investigation find any discrepancies or a lack of substantial proof for this debt. Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the credit reporting agency and information furnisher bear a responsibility for ensuring the accuracy of reported information. 

3. Responsibility of Furnishers of Information to Credit Reporting Agencies ( 15 U.S.C. 1681s-2 ) : This code mandates that information furnishers report accurate information. In line with these obligations, I request an itemized and accurate history of the reported account, including all payment history, fees, interest, and additional charges applied. As established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), inaccuracies that are not promptly corrected by the furnisher may be grounds for removal. 

4. Prompt Correction and Blocking of Incorrect Information ( 15 U.S.C. 1681c-2 ) : If TrueAccord can not validate the legitimacy of this debt with concrete evidence, I respectfully request the prompt deletion of this collection account from my credit report as per 15 U.S.C. 1681c-2, which calls for the blocking of disputed or erroneous information. 
To ensure thorough validation, please include copies of the following documents : The original agreement/contract that initiated this debt, bearing my signature, as well as proof of assignment to your agency. 
Any and all documentation related to this debt, as required under the FDCPA and FCRA to validate ownership and the accuracy of information shared with the credit bureaus. 

Failure to validate this debt according to the standards required under the FDCPA, FCRA, and applicable case law should result in the cessation of reporting on my credit file. Should you continue reporting unverifiable information, I will pursue further steps to enforce my rights under federal consumer protection laws. 

Thank you for your cooperation in this matter. I look forward to receiving your response within the 30-day period mandated by law. Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX