Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: FL

Complaint narrative:
To Whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for VERIFICATION or proof of my mailing address, but a request for Validation made pursuant to the above names and Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the following : .What the money you say I owe is for. 
. Explain and show me how you calculated what you say I owe. 
. Provide copies of any papers that show I agreed to pay what you say I owe. 
. Provide a verification or copy of any judgement if applicable. 
. Identify the original creditor. Provide the Statute of Limitations has not expired on this account.

. Show me that you are licensed to collect in my state.

. Provide me with your license numbers and registered Agent or Agent of service .Agreement with your client that grants you authority to collect this alleged debt .Alleged account number .Commission for debt collector if collection efforts are successful .Date of original charge off or delinquency .Any insurance claims been made by any creditor regarding this account. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX XXXX XXXX XXXX  ) this action might constitute fraud under both Federal and State Laws, Due to this fact, if any negative marl is found on any of my credit reports your company or the company that you represent, I will not hesitate to bring legal action against you for the following :. Violation of the fair credit reporting act. violation of the fair credit debt collection practices act. Defamation of character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult for with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate, when in fact there is no provided proof that it is accurate. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/ all of the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX request shall be sent to me immediately. 

I would also like to request in writing, that no telephone contact be made by your company to my home, or my place of my employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me Must be done in writing and sent to the address noted in this letter by XXXX. 

It would be advisable that assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, and information to correct your records, any information will be obtained shall be used for that purpose. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation