Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp.
State: LA

Complaint narrative:
FINAL NOTICE DEMAND FOR IMMEDIATE DELETION Account : True Accord Corp / XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. with an account number ending in XXXX. Balance Reported : {$760.00} To : True Accord XXXX XXXX XXXX XXXX True Accord account # XXXX Via : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> XXXX THIS ACCOUNT IS NOT MINE IDENTITY THEFT UNLAWFUL REPORTING I am formally disputing the True Accord Corp/ XXXX XXXX XXXX account currently being reported on my consumer credit reports. This account is not mine and is the direct result of identity theft. An Identity Theft Report has been filed, and True Accord Corp/ XXXX XXXX XXXX is now on formal notice under federal law. Despite this, True Accord/ XXXX continues to report a collection account without lawful proof, without authorization, and without compliance with the Fair Credit Reporting Act. This letter serves as a final demand for immediate deletion. MULTIPLE VIOLATIONS REQUIRE DELETION 1. Identity Theft Mandatory Deletion Required Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, a furnisher must block and remove the account unless it can produce competent evidence that the consumer actually opened and authorized the account.True Accord/ XXXX XXXX XXXX is a debt buyer and has no original signed contract, no application, no wet signature, no proof of authorization, and no proof of delivery of funds to me. Continuing to report this account is unlawful. 2.True Accord/ XXXX Lacks Permissible Purpose to Report XXXX XXXX XXXX did not originate this account and has not established a permissible purpose under FCRA 1681b to report ongoing derogatory information against me. You can not lawfully report a debt you can not prove belongs to me. 3. Inaccurate and Misleading Payment History The account is reported with : No legitimate payment history No evidence of billing statements sent to me No evidence of consumer acknowledgment This violates FCRA 1681s-2 ( a ) by furnishing information that is materially misleading and incomplete. 4. Failure to Conduct a Reasonable Investigation Any verification based solely on internal debt-buyer records or automated data matching does not meet the legal standard for a reasonable investigation under FCRA 1681s-2 ( b ). True Accord Corp/ XXXX can not legally verify identity theft disputes using : Spreadsheet data Prior creditor summaries Generic account screens Courts have repeatedly ruled this insufficient. 5. Illegal Re-Aging and Balance Reporting The account reflects : No payment activity No reduction in balance Reporting that extends beyond the original creditor relationship This raises serious concerns of re-aging, which is strictly prohibited under FCRA and CFPB guidance. 6. FDCPA Violations False Representation By continuing to report this account after being notified of identity theft, True Accord / XXXX  is making a false representation of the legal status of the debt, in violation of FDCPA 807. Reporting a debt as owed when ownership and authorization are unproven is deceptive. 7. Debt Buyer Can not Authenticate the Account As a third-party debt buyer, XXXX lacks firsthand knowledge of : Who opened the account How it was opened Whether identity verification occurred Whether the debt is enforceable Without this, continued reporting is reckless and unlawful. FORMAL DEMAND You are hereby directed to : DELETE this account immediately from all consumer reporting agencies Cease all collection and reporting activity Provide written confirmation of deletion No partial updates, no verified as accurate responses, and no automated replies will be accepted. NOTICE OF INTENT TO ESCALATE Failure to comply will result in : Continued CFPB enforcement actions State Attorney General complaints Civil litigation for willful FCRA violations under 15 U.S.C. 1681n Claims for statutory, actual, and punitive damages This letter is not a request for validation. It is a lawful demand for deletion. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation