Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I received a notification of an alleged debt owed. I responded to the sender and requested verification of the debt. XX/XX/year>. After receiving more demands for payment, I sent a second request, XX/XX/year> asking for the information. The company never responded. I followed up with a Cease-and-Desist letter, but they persist in sending emails but not verification of the debt claimed. 

I recently found that Tru Accord sends emails with names like XXXX XXXX, that is not a human being. It is Ai generated, and the company is not responding to any attempt to communicate with the " name '' they send out emails. 

No response to the attached Debt Validation was received. 
___________________________________________________ XXXX XXXX XXXX XXXXXXXX, Georgia, XXXX XX/XX/year> To : XXXX XXXX True Accord XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ks. XXXX Re : Alleged debt owed to XXXX XXXX, XXXX Amount in dispute : {$470.00} Greetings : XXXX XXXX, please be advised that I have no idea who you or your company are. Please understand that I do not acknowledge your suggestion or interest in this alleged debt. Also, be advised that I do not have any contractual obligation that I have affixed my signature between you, your company or myself. To that end, I can not and will not discuss any aspect of your claim without the certified delivery of the verification of the debt claimed by you. 

VERIFICATION OF DEBT REQUEST I received an email from you suggesting that you represent the original creditor. Please be advised this communication shall serve as a dispute to the accuracy or the authorization of your claim, and I hereby request and demand the verification of the ownership and/or the authenticity of your authority for the claim this debt. 
I also dispute the claims validity and deem it as false and misleading which violates the intent of the prevailing federal, state laws, rules, regulations, and guidelines relative to, and pertaining to Fair Debts and reporting requirements. 
To that end, this letter is being sent to you pursuant to the Fair Debt Practices Act, 15 USC 1692GsEC. 809 ( a ) and ( b ) which states : ( a ) NOTICE OF DEBT, contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication of the consumer has paid, send the consumer a written notice containing : 1. The amount of the debt : 2. The name of the creditor to whom the debt is owed ; 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. A statement that if the consumer notifies the debt collector in writing within the thirty ( 30 ) day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt, or a copy of the judgement against the consumer, and a copy of such verification or judgement will be mailed to the consumer by the debt collector and different from the current creditor. 
Information about the Amount and the Age of the Debt It is your insistence of ownership and being the original creditor that I now demand that you must provide a complete accounting of the debt you claim that I owe within 30 days of your receipt of this letter, Please provide a certified copy of the written contractual agreement between you, the original owner and myself. Please note that without this specific document, your claim is meritless, and your claim is fraudulent, This proof must include, but not limited to the obligation which is the subject matter of the dispute ; a. The complete and signed contract for the debt obligation claimed by you, the original owner which is the subject matter of this dispute ; b. An itemized breakdown of what you claim the money is owed for ; c. Explain and show me how you calculated the amount in dispute ; d. Provide me with copies of any and all copies of documents, ledgers. Spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe e. Identify the original creditor. 
f. Identify and accurately describe any third-party cost for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and g. Provide me with an affidavit that the Statue of Limitation has not expired on this account. 


Information About your Authority to Collect this Debt Provide verification that your firm has debt collection in the State of Georgia. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of the State of Georgia, and whether you have debt collection license from that location, including the license number and the contact information of the agency that issued that license. 
Please know that I further dispute this debt and invoke my rights under the FDCPA and any other applicable state, federal laws, rules, regulations, and/or guidelines. 
Furthermore, without additional delay, your agency provides me with clear and convincing evidence that I have a legal obligation to pay you for the amount in dispute via documents executed set forth as prescribed by prevailing laws, roles and regulations. I request that you suspend all collections activities and communications with or about me. 
Please note : If you have reported invalidated and inaccurate information to any of the three major Credit Bureaus ( XXXX XXXX XXXX XXXX ), please be advised that said action might constitute fraud and disparagement of credit under both Federal and State Laws. Accordingly, if any invalidated or inaccurate, negative marks are found on any of my credit reports by you ( or the third parties that you represent ), demand is hereby made to remove such negative marks while this debt is being disputed. 
Please be mindful that I expect a timely response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation