Consumer complaint received 2025-07-11 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: MO

Complaint narrative:
I started receiving emails from XXXX stating that I owe for a past due balance to XXXXXXXX XXXX Because I don't have any past due debt with this entity, and the fact that the message is vague and coming via email, it feels suspicious. 
I reported the email as spam. However, I got another email on XX/XX/XXXX from XXXX. So, I called the number in the email which is ( XXXX ) XXXX at XXXXXXXX XXXX  CT and spoke to a man. He attempted to verify my name and last four of my SS #. I gave him my first and last name but refused to verify my SSN. He asked if I live at some XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX said no ( as I do not and never have ). I told him to send an itemized bill to the email they have on me so I can validate this supposed bill. He said since I would not verify my info, he could not give me any details about the debt over phone or send to me. Again, suspicious. However, I need help to make sure to determine if I am a victim of identity theft. 

Here 's a copy of the language they wrote in the latest email : You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

XXXX XXXX XXXX XXXX was the original creditor. When your debt was overdue, XXXX XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX who currently owns this balance. XXXX XXXX XXXX has asked TrueAccord to help you resolve this balance. That's how you got to us. 

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you.

View My Options This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication.

Please read below for important disclosures. 

Your TrueAccord account number is : XXXX Unsubscribe Privacy Policy Dispute this debt Need help? Call us at ( XXXX ) XXXX ( TTY XXXX ) between Monday - FridaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TrueAccord Corp . 
XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX  We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. 

The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. 
This was originally an account with XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url XXXX XXXX XXXX XXXX.trueaccord.comXXXX XXXXhe current creditor is XXXX XXXX XXXX with an account number ending in : XXXX.

Company response to consumer: Closed with explanation