Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I am submitting this complaint regarding TRUEACCORD because the company is reporting a collection account on my consumer credit reports that I do not recognize and do not believe belongs to me. I have never knowingly opened, authorized, applied for, or accepted responsibility for this alleged account. After discovering the account on my credit reports, I immediately reviewed my financial records and personal documentation in an effort to determine whether there was any legitimate connection between me and the debt being reported. Despite conducting a careful review of my records, I was unable to locate any contracts, agreements, account statements, billing records, payment histories, or other documentation demonstrating that I am responsible for this account. Because I do not recognize the account and have no knowledge of the debt being reported, I became concerned that my personal information may have been used without my authorization. As a result, I filed a report with the Federal Trade Commission and submitted an Identity Theft Report. I took these actions because I genuinely believe that this account may be the result of identity theft, unauthorized use of my personal information, inaccurate reporting, or a mixed-file error. I wanted to ensure that there was an official record documenting my claim that this debt is not mine and that I am disputing responsibility for the account. The TRUEACCORD account is currently being reported as a collection account with a derogatory status and an alleged balance of approximately {$450.00}. Although the amount may seem relatively small, the impact of a collection account on a consumer credit report is significant. Collection accounts are among the most damaging items that can appear on a credit report and can substantially reduce credit scores, increase borrowing costs, and negatively affect a consumer 's ability to obtain financing, housing, insurance, and employment opportunities. The continued reporting of an account that I do not own has caused unnecessary financial harm and has negatively affected my credit profile. Upon discovering the account, I immediately disputed the information and requested a thorough investigation. I informed the appropriate parties that I did not recognize the account and that I had filed an FTC Identity Theft Report because I believed the debt may have resulted from identity theft. I requested documentation proving that I am legally responsible for the account, including any signed applications, contracts, agreements, billing statements, payment histories, account notes, records of communication, and any documents demonstrating that I knowingly entered into a financial relationship giving rise to the debt. Despite my dispute and identity theft claim, the account continues to be reported on my consumer credit reports. I have not been provided with sufficient documentation establishing that I am responsible for the debt. If TRUEACCORD believes that I owe this obligation, there should be clear evidence supporting that conclusion. Such evidence should include documentation identifying the original creditor, records showing when and how the account was opened, documentation establishing that I authorized the account, records demonstrating that I received goods, services, or funds associated with the debt, and documentation showing the legal basis for any collection activity. To date, I have not received information sufficient to establish that the account belongs to me. Instead, the account continues to appear on my credit reports despite my repeated efforts to dispute it and despite the existence of my FTC Identity Theft Report. I believe this is unfair and inconsistent with the requirement that information reported to consumer reporting agencies be accurate and verifiable. The Fair Credit Reporting Act requires that furnishers and consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy of information reported about consumers. When a consumer disputes information and provides notice that the account may be the result of identity theft, a reasonable investigation must be conducted. Information that can not be verified should not continue to be reported. The continued reporting of a disputed collection account without adequate verification undermines the integrity of the consumer reporting system and causes unnecessary harm to consumers. I am particularly concerned that my identity theft claim has not been given appropriate consideration. Identity theft is a serious problem that can affect consumers for years if fraudulent information remains on their credit reports. Federal law provides important protections for consumers who become victims of identity theft, and those protections exist to prevent consumers from being held responsible for debts they did not incur. When I filed my FTC Identity Theft Report, I expected that the account would receive heightened scrutiny and that meaningful efforts would be made to determine whether the debt actually belongs to me. Instead, the account continues to be reported, and I continue to experience the negative consequences associated with the derogatory information. Every day that this account remains on my credit reports, it has the potential to affect lending decisions, interest rates, housing opportunities, and other aspects of my financial life. Consumers should not be forced to suffer these consequences while inaccurate or fraudulent information remains unresolved. I have acted responsibly throughout this process. Upon discovering the account, I reviewed my records, disputed the information, filed an FTC Identity Theft Report, and requested verification. I have fully cooperated and have made every reasonable effort to resolve the matter through the proper channels. Despite these efforts, the account remains on my credit reports and continues to damage my financial reputation. I am requesting that TRUEACCORD conduct a comprehensive and independent investigation into this matter. I request that the company review all available records and determine whether there is competent evidence demonstrating that I knowingly opened, authorized, or benefited from the account. If the company can not establish through reliable documentation that I am legally responsible for the debt, the account should be immediately removed from all consumer reporting agencies. I also request copies of all documents relied upon to verify the account. These documents should include the original account application, signed agreements, billing statements, payment histories, records identifying the original creditor, documentation showing assignment or transfer of the debt, and any other materials used to determine that I am responsible for the obligation. If such documents do not exist or can not be produced, the account should not continue to be reported. In addition, I request that any derogatory information associated with this account be deleted. This includes collection status designations, derogatory remarks, adverse comments, delinquency indicators, and any other negative reporting connected to the account. Information that can not be verified should not remain on a consumer 's credit report. I am also requesting transparency regarding the investigation process. If TRUEACCORD claims that the account has been verified, I would like a detailed explanation of the procedures used to reach that conclusion. I would like to know what records were reviewed, what evidence was relied upon, and how the company determined that the account belongs to me despite my FTC Identity Theft Report and formal dispute. Consumers deserve meaningful explanations when companies continue reporting disputed information. The relief I am seeking is straightforward. I want TRUEACCORD to review my identity theft claim, conduct a thorough investigation, verify the account through competent evidence, and remove the account if it can not be substantiated. I also request that any corrections or deletions resulting from the investigation be communicated to all consumer reporting agencies so that my credit reports accurately reflect the outcome. I am not attempting to avoid responsibility for a legitimate debt. If documentation exists proving that I knowingly incurred the obligation, I am willing to review that information. However, I have not been provided with such documentation, and I continue to maintain that I do not own this account. Until competent evidence is produced, the account should not continue to be reported as a verified collection account. In summary, I do not believe the TRUEACCORD collection account belongs to me. I discovered the account while reviewing my credit reports, disputed it immediately, and filed an FTC Identity Theft Report because I believe the account may be the result of identity theft or inaccurate reporting. Despite my efforts, the account continues to be reported and continues to negatively affect my credit profile. I respectfully request a full investigation, complete verification of the account through competent documentation, and permanent removal of the account and all associated derogatory information if TRUEACCORD can not establish that I am legally responsible for the debt. I appreciate the CFPB 's assistance in helping ensure that my consumer reports contain only accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation