Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: IN

Complaint narrative:
Summary : I am receiving text messages about a debt I know nothing about. I suspect phishing. I sent a certified mail letter asking for information so I know whether it is my debt, but I received no response after 30 days. The texts still arrive with no new information. I believe this constitutes a violation of the requirement that a debt collector provide enough data for me to determine whether it is my obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline ( see screenshots attached for full content XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I received a text message from " XXXX '' saying " Welcome to XXXX  with True Accord.... '' with a link to a website that shows a supposed debt amount of {$560.00} with XXXX XXXX XXXX. I had never heard of True Accord or XXXX XXXX before. 
The website shows no XXXX that proves they can link the phone number to a specific person. In order to get further information from the website, I have to provide PII to them. This is risky and might be a scam or phishing ( see why I suspect phishing below ). 
XXXX XXXX XXXX XXXXXXXX : I used the Sample Letter for a validation request from the CFPB website to send certified mail to True Accord, using the address provided on their website. The letter asked for further information to be sent to me, and to consider the debt to be in dispute in the meantime. 
XXXX XXXX XXXX XXXXXXXX : The date stamped from the XXXX XXXX XXXXXXXX XXXX who delivered the certified mail. 
XXXX XXXX XXXX XXXXXXXX : The date handwritten from XXXX XXXX XXXX who signed the Post Office certified mail receipt . 
XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX : Dates after True Accord received my request, where I received text messages the same as before, with no acknowledgement, additional information, clarification, or response to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Why I Suspect Phishing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received no reply to my request for further data, and no change in texting behavior after they received the validation request. I can not tell whether the entity sending the texts has any relationship to True Accord. Most people expect legitimate businesses to acknowledge mail and treat a disputed debt differently. 
XXXX XXXX XXXX The entity sending text messages shows no indication that they know who I am, either on the text or the website. As far as I know, all they have is a phone number.

( XXXX  ) I have to provide my PII before they will show me any data about the debt, making it easy for the entity to send me to a data entry screen, and then show me a " debt '' with my name on it after I have provided the data they need to make it look convincing.

( 4 ) The link to the supposed debt keeps changing ( see screenshots ) with each subsequent text. Old links from XXXX no longer work. 
XXXX XXXX XXXX I have no memory of any unpaid debts. No company I have ever done business with has told me I have any overdue bills or anything sent to collections. I do not recognize XXXX XXXX XXXX. 
XXXX XXXX XXXX The entity sent me text messages without my consent or opt-in to receiving communication this way. The website footer mentions " your rights as described in our initial email '', but I never received such an email. I don't think they know my email.

Company response to consumer: Closed with explanation