Consumer complaint received 2024-11-23 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: MI

Complaint narrative:
TrueAccord Corporation Formal Demand for Damages, Removal of Derogatory Marks, and Cease Collection Efforts To Whom It May Concern : I am writing in regard to an alleged debt that your company has reported to the credit bureaus and is attempting to collect on behalf of XXXX XXXX XXXX After a thorough review of my records and applicable laws, I have determined that TrueAccord Corporation has violated several federal and Michigan state laws regarding debt collection practices. These violations entitle me to statutory and actual damages under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Michigan law. 

This letter serves as a formal demand for : Immediate removal of the alleged debt from all three credit bureaus ( XXXX, XXXX, and XXXX ). 
Cease all collection efforts and communications related to this alleged debt. 
Payment of {$20000.00} in damages for the violations outlined below. 

Legal Violations Violations of the FDCPA ( 15 U.S.C. 1692 ) Your actions have violated multiple provisions of the FDCPA, including but not limited to : False Representation of Debt ( 1692e ( 2 ) ) : Reporting or attempting to collect on a debt that I do not owe and that has not been properly validated. 
Failure to Validate Debt ( 1692g ( b ) ) : You continued collection efforts without validating the debt after my dispute. 
Threatening Actions You Can not Take ( 1692e ( 5 ) ) : Communicating or implying consequences such as lawsuits or wage garnishment without legal grounds.

Failure to Mark the Debt as Disputed ( 1692e ( 8 ) ) : Reporting the alleged debt to credit bureaus without marking it as disputed. 

Statutory Damages for FDCPA Violations : {$1000.00} per violation. 
FDCPA Total : {$4000.00}. 

Violations of the FCRA ( 15 U.S.C. 1681 ) Reporting False Information ( 1681s-2 ( a ) ) : Reporting an alleged debt to credit bureaus without verifying its validity. 
Failure to Investigate Disputes ( 1681i ) : Failing to reasonably investigate my dispute with the credit bureaus. 

Statutory Damages for FCRA Violations : {$1000.00} per violation. 
FCRA Total : {$6000.00} ( assuming three bureaus, each with two violations ). 

Violations of Michigan State Law Fraudulent Misrepresentation ( MCL 750.218 ) : Attempting to collect a debt based on false or misleading representations. 
Harassment and Abuse ( MCL 750.411h ) : Engaging in repeated and unwarranted communications to intimidate or coerce payment. 
Identity Theft ( MCL 445.65 ) : Associating my personal information with an account that is not mine. 

Estimated Damages Under Michigan Law : {$8000.00}. 

Total Damages Based on the violations listed above, I am entitled to the following damages : FDCPA Violations : {$4000.00} FCRA Violations : {$6000.00} Michigan State Law : {$8000.00} Total Demand : {$20000.00} Demands To resolve this matter, I demand that TrueAccord Corporation : Cease all collection efforts related to this alleged debt. 
Remove all derogatory marks related to this debt from my credit reports with XXXX, XXXX, and XXXX. 
Pay {$20000.00} in damages for the legal violations described above. 

Response Deadline If you fail to comply with these demands within 30 days of receipt of this letter, I will proceed with the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Michigan Attorney Generals Office. 
Initiate a lawsuit in federal court to recover statutory and actual damages under the FDCPA, FCRA, and Michigan law. 

Notice of Cease and Desist Under 15 U.S.C. 1692c ( c ), I demand that you cease all communication with me regarding this debt unless it pertains to the requested validation or resolution of this matter. 

Send all correspondence and payment directly to the address listed above.

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