Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Re : Dispute of Inaccurate Information on My Credit Report Account Number : Ending in XXXX Creditor : TrueAccord Amount : {$480.00} Dear Sir/Madam, I am writing to formally dispute an entry on my credit report related to the account with TrueAccord, account number ending in XXXX, reporting a balance of {$480.00}. I believe this information is being inaccurately reported, and I request a full investigation and removal of this entry from my credit file. The reasons for my dispute are as follows : XXXX. No Acknowledgment of Third-Party Involvement : TrueAccord is a third-party debt collector, and I have not received any official communication from them verifying their right to collect this debt or confirming they have the legal authority to report it. As per the Fair Debt Collection Practices Act ( FDCPA ), a third-party debt collector must provide written notification of the debt, along with information about the original creditor and the amount owed. TrueAccord has failed to provide this necessary documentation or acknowledge the assignment of the debt. Without this acknowledgment, they are not authorized to report the account to the credit bureaus.

2. Failure to Provide Original Agreement : I have not been provided with a copy of the original contract or agreement related to this debt, nor have I received verification from TrueAccord confirming the debt 's legitimacy. Under Section 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. The failure to provide documentation of the original agreement makes it impossible for TrueAccord to lawfully report this debt to the credit bureaus.

3. Failure to Validate the Debt : Under the FDCPA Section 809, I have the right to request validation of any debt being reported by a collection agency. As TrueAccord has failed to provide adequate validation of this debt, I request that this entry be investigated thoroughly and removed from my credit report in accordance with the FCRA and FDCPA.

Legal Basis for Removal : Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) : Credit reporting agencies must ensure that information reported to them is accurate. As TrueAccord has not provided adequate proof of this debt, the information is likely inaccurate or incomplete, and should be removed from my credit report.

Section 1681i of the Fair Credit Reporting Act ( FCRA ) : When I dispute an item, the credit bureau must conduct a reasonable investigation. If the information can not be verified, it must be removed.

Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) : If the collector is unable to validate the debt, they are required to cease all collection activity, including reporting the debt to credit bureaus.

Request for Resolution : I respectfully request that the negative entry for TrueAccord, account number ending in 8999, be removed from my credit report due to the failure of TrueAccord to provide proper validation of the debt, acknowledge their right to report the debt as a third-party collector, and supply the original agreement.

Please investigate this matter and respond with written confirmation of the resolution within the 30-day period as required by the FCRA. If the information can not be verified or documented by TrueAccord, I expect this entry to be removed promptly from my credit file. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation