Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: WI

Complaint narrative:
I am filing this complaint against TrueAccord Corp and XXXX XXXX XXXX for illegal debt collection, harassment, and false credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events XXXX XX/XX/year> : My family member began receiving text messages from TrueAccord attempting to collect a debt allegedly owed by me in the amount of {$870.00}. Each text message included a clickable payment link that led directly to the TrueAccord website, where the payment page displayed my first name, XXXX, alongside payment options. 
This disclosure of a debt tied to my name was made to someone who was not me and had no connection to the alleged account, constituting a clear violation of my privacy and federal law. 

XX/XX/year> : I emailed TrueAccord demanding they stop contacting my family, remove the false account from my credit report, and provide written notice of resolution. 

XX/XX/year> : TrueAccord replied in writing stating they werent able to locate [ me ] within [ their ] system with [ my ] name or email address ( from the official XXXX account ). This was an explicit admission that no account existed in my name and that they had no legal or contractual basis to contact me or my family about any alleged debt. 

After their admission : Despite confirming that no account existed, TrueAccord continued sending the same text messages to my family member for SEVERAL weeks. When the payment link was clicked again, it still opened to the same live TrueAccord website showing the same alleged debt and balance except my name had now been removed from the page. 

In other words, after admitting they had no record of me, TrueAccord deliberately continued to attempt collection through the same link while concealing my name. This proves they knowingly persisted in unlawful collection activity after being informed of their error. 

Current situation : The same alleged debt from XXXX XXXX XXXX / TrueAccord now appears as a collection entry on my credit report, damaging my credit and reputation despite TrueAccords written confirmation that I have no account with them. 

Violations of Federal Law 15 U.S.C. 1692b ( 2 ) Communicating a consumers debt to a third party.

15 U.S.C. 1692c ( b ) Contacting someone other than the debtor without consent.

15 U.S.C. 1692d ( 5 ) Engaging in repeated communications intended to harass or abuse.

15 U.S.C. 1692e ( 2 ) ( A ) Falsely representing the character or legal status of a debt.

15 U.S.C. 1692f ( 1 ) Using unfair or unconscionable means to collect a debt not authorized by law.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies.

Impact and Harm My private name and debt information were exposed to family.

TrueAccord continued harassment even after acknowledging I had no account. 

They attempted to collect a debt that was not legally tied to me, not tied to anyone, and most defiantly not tied to the people and phone number they kept harassingly texting. 

My credit report now shows a false collection account, harming my credit and causing emotional and reputational distress. 

Requested Action I request that the CFPB : Order immediate deletion of all TrueAccord / XXXX XXXX entries from my credit reports. 

I will file complaints with the FTC and all other applicable legal entities and report these crimes immediately if this fraudulent reporting is not taking care of at once. 

Supporting Evidence ( attached as PDFs ) : XXXX Full text thread showing XXXX on the payment link, continued harassment after notice, and later removal of the name. 

XXXX Email exchange showing TrueAccords written admission that no account exists in my name ( attached screenshot dated XX/XX/year> ). 

XXXX XXXX of my drivers license verifying my identity. 

Summary : TrueAccord knowingly disclosed private debt information, continued harassment after written confirmation of no account, and reported a false collection to credit bureaus. These are willful violations of the FDCPA and FCRA requiring immediate regulatory intervention and correction.

Company response to consumer: Closed with explanation