Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX ( XXXX ) XXXX TrueAccord Corp XXXX XXXX XXXX XXXX, XXXX XXXX Re : FINAL NOTICE IMMEDIATE DEMAND FOR FULL DEBT VALIDATION Potential Litigation for Violations of Federal and State Law To Whom It May Concern, This letter serves as your final and formal demand to provide full, lawful validation of the alleged debt you claim is owed. I dispute this debt entirely. 

Your previous communications have been legally insufficient, misleading, and non-compliant, and if this continues, I will take direct legal action against TrueAccord Corp for violations of : The Fair Debt Collection Practices Act ( FDCPA ) The Fair Credit Reporting Act ( FCRA ) Any and all applicable state consumer protection statutes Civil tort liability for harassment, negligent misrepresentation, and unlawful collection practices If you choose to pursue unlawful collection activity, you will be sued. Consider this your final opportunity to comply with federal law. 



MANDATORY DOCUMENTATION REQUIREDNO EXCEPTIONS You will produce ALL of the following documents. Partial or generic responses WILL NOT be accepted : 1. Original Signed Purchase Agreement Provide the complete original contract, purchase agreement, or sales agreement bearing my genuine signature, plus every addendum, amendment, or rider. 

2. Complete Chain of Assignment / Chain of Title You must provide a full chronological chain demonstrating legal ownership of this alleged debt from the original creditor to your possession, including : Each bill of sale Each assignment document Proof my specific account was includednot a vague portfolio reference Names, addresses, and legal authority of every entity that handled the account Failure to produce a full chain of title renders any collection action fraudulent and immediately actionable. 

3. Full Itemized Accounting You must supply a complete, precise accounting of : Original principal Interest calculations Fees, penalties, and legal basis for each charge Proof of compliance with state-specific lending and interest laws I will not accept summary sheets or unverifiable spreadsheets.

4. Proof of Your Legal Right to Collect Provide : A copy of your collection license for my state Proof of authorization from the current alleged creditor Name and address of the actual current owner of the alleged debt 5. Proof the Alleged Debt Is Not Time-Barred Supply the date of alleged default along with the statute of limitations used to justify collection efforts.

IMMEDIATE CEASE & DESIST Until you fully validate this alleged debt, you are hereby ordered to : Cease all phone calls Cease all emails Cease all letters demanding payment Cease all threats or attempts at legal action Cease any reporting or furnishing of information to any credit bureau Any further collection activity before providing proper validation is a direct violation of federal law and will be documented for litigation. 



CREDIT REPORTING WARNING If you have reported ( or continue reporting ) this disputed, unvalidated debt : You must immediately mark it as disputed You must suspend reporting until validation is complete You must remove any prior reporting if the debt can not be validated Failure to do so will be met with legal action for willful FCRA violations, which carry statutory, actual, and punitive damages. 



LEGAL NOTICE If you fail to provide complete validation within 30 days, or if you continue collection activity without fulfilling your legal obligations, I will : 1. File suit in the appropriate court 2. Seek statutory damages, actual damages, punitive damages, and legal fees 3. Report your violations to state and federal regulatory agencies 4. Pursue all remedies available to me under law I am fully prepared to document and present every violation you commit. 



All communication must occur in writing only. Any phone contact will be treated as intentional harassment and added to the lawsuit. 

You have been warned. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation