Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TrueAccord Corp.
State: NY

Complaint narrative:
True Accord XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX RE : Account # XXXX / Alleged XXXX XXXX  Debt To Whom It May Concern : I am writing in response to your collection notice dated XX/XX/XXXX, regarding an alleged debt originally owed to XXXX XXXX  ( account ending in XXXX ). 
FORMAL DISPUTE NOTICE I hereby dispute this debt in its entirety pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand validation of this debt. I dispute both the validity of the debt and the amount claimed. 
SPECIFIC DISPUTED ISSUES : Inconsistent Account Information : The XXXX XXXX  account number on my credit report ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) does not match the account number referenced in your collection notice ( ending in XXXX ). 
2. Charging Excessive Interest : Your notice states {$500.00} in interest was charged on a {$1300.00} balance between XX/XX/XXXX, and XX/XX/XXXX. This represents approximately 38 % interest over less than 17 months, which may exceed legal interest rate limits.

3. Contradictory Information Between Collection Notice and Credit Report : Your notice states the charge-off date was XX/XX/XXXX, while my XXXX  credit report indicates multiple conflicting dates : Date Closed : XX/XX/XXXX Date Last Active : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Maximum Delinquency : 120 days in XX/XX/XXXX and XX/XX/XXXX XXXX. Questionable Chain of Title : There is no documentation showing how or when this debt was legally transferred from XXXX XXXX  to TrueAccord, or whether TrueAccord has legal standing to collect this debt. 
VALIDATION DEMANDS : Pursuant to the FDCPA, I demand that you provide ALL of the following within 30 days : 1. Documentation establishing your legal right to collect this debt, including the assignment or sale agreement between XXXX XXXX  and TrueAccord. 
2. A complete accounting of the alleged debt, including : Original creditor 's name and address Original account number Date of original charge-off Original amount of the debt Itemization of all interest, fees, and charges added since charge-off Explanation of how the interest rate was calculated and the legal basis for applying it Complete payment history 3. A copy of the original signed credit card agreement applicable to this account.

4. Documentation explaining the discrepancy between the account number in your notice and the account number on my credit report.

5. 
Documentation showing your FDCPA compliance, including proof you are licensed to collect debts in my state. 
CEASE COMMUNICATION DEMAND : Pending validation of this debt, I demand that you : 1. Cease all collection activities on this account 2. Cease reporting this account to the credit bureaus 3. Do not sell or transfer this alleged debt to any other party NOTICE OF CREDIT REPORTING DISPUTES : Be advised that I have already formally disputed the related account with XXXX  ( File Number : XXXX, dated XX/XX/XXXX ). That dispute identified multiple discrepancies and violations, including inconsistent account information and reporting across credit bureaus. 
Any continued collection efforts or credit reporting without proper validation may constitute violations of the FDCPA, FCRA, and applicable state laws.

If you can not provide complete validation as requested, I demand that you : Cease all collection efforts permanently 2. Notify all credit bureaus to remov
e this account from my credit reports 3. Provide written confirmation that the debt has been closed and will not be sold or transferred This letter is not an acknowledgment of the validity of this debt and does not restart the statute of limitations. This dispute is submitted in good faith based on the inconsistent and questionable

Company response to consumer: Closed with explanation