Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from " TrueAccord, Corp. '', a debt collection agency, stating that they were attempting to collect a debt taken out in my name from " XXXX XXXX XXXX in the amount of {$5700.00}. I have never heard of either business before that day, and have had no interactions with them prior to that letter. 

On XX/XX/XXXX I spoke on the phone with " XXXX  XXXX '' using the phone number from the debt collection letter, and they wouldn't give me any information, but told me to contact " TrueAccord. '' I then called " TrueAccord '' and told them I wanted to dispute the issue ; they said they would look into the matter, and took down by correct phone number and email address. 

On XX/XX/XXXX I spoke with all three major credit bureaus and asked about any collections or outstanding debt, or mentions to " TrueAccord '' or " XXXX  XXXX. ' All three said there was nothing on record with my credit report. I asked them to put a " XXXX XXXX '' on my account at that time. 

On XX/XX/XXXX, I received an email from " TrueAccord '' saying they " finished processing your dispute '' and that I owe {$5700.00} to " XXXX XXXX. '' " TrueAccord '' included a " Debt Validation Documentation '' with the email, which I reviewed. This document contained many discrepancies regarding my personal information, showing that someone stole my personal information and committed fraud using it. 

On XX/XX/XXXX I sent a Certified Mail, Return Receipt Requested letter to " True Accord '' outlining the issues with " Debt Validation Document '' they got from " XXXX XXXX. '' Included was the following information : " This letter is in reference to TrueAccord account ( removed for this submission ), and to state that this is not my debt and I am not liable for it. My personal information was stolen and fraud was committed using it. 

Upon review of the provided Rental-Purchase Agreement with XXXX XXXX, there are many discrepancies that show that it was not me who signed into a contract : * The e-mail address used as Signer ID and contact ( XXXX, ) is not mine. I have never had that email account. 
* The phone number used was last connected to my current address in XXXX, and is not my number. 
* The IP address that the contract was signed and accepted by ( XXXX ) is not my XXXX address. It is located in XXXX, XXXX  ; I live in XXXX XXXX and havent left the state in the last XXXX years. 
* The Electronic Payments Authorization section states that a Deposit account or credit card account ending in XXXX was provided. This is not nor has ever been an account of mine. 
* The Property in the agreement ( XXXX XXXX ) was never delivered to my address. I am not and have never been in possession of said Property. 
* I have been unemployed while taking care of a family member at the time of the Agreement. A financial institution would not provide an unemployed person with over {$5000.00} worth of property without some proof of income for repayment. 
* I spoke with all three major credit bureaus ( XXXX, XXXX, and XXXX ), and there is no mention of a Loan, Collections, or Outstanding Debt in my credit report. '' Also on XX/XX/XXXX I received XXXX text messages from " True Accord '' asking me to settle this debt. 

On XX/XX/XXXX I received an email from " TrueAccord '' asking me to settle this debt. 

As of XX/XX/XXXX my Certified Mail with Return Receipt Requested has not yet been delivered to " TrueAccord. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation