Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received an attempt to collect a debt from a company called True Accord on behalf of XXXX. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Below is a copy of my response with the dates and actions taken by me and XXXX. 

Fwd : To Whom it Concerns : I am formally disputing the validity of the XXXX XXXX debt you are attempting to collect, that XXXX previously reported to credit bureaus. I never received prior notice of any collection attempt before the reporting, and the alleged balance is inaccurate and under dispute due to XXXX admitted billing errors and constant system malfunctions.

This letter serves as both a formal dispute and a request for full validation of the alleged debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ).

1. Lack of Required Notice I was not contacted by XXXX by mail, phone, or email prior to discovering it had been reported through my credit monitoring service. 

Under federal and California law, debt collectors are required to send written notice of a collection attempt within five ( 5 ) days of first communication, affording the consumer 30 days to dispute or validate the debt.

Reporting this account to credit bureaus without prior notice violates both the FDCPA and Californias Rosenthal Act.

2. Factual Timeline and Good-Faith Efforts to Resolve XX/XX/XXXX : I switched service from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the XXXX transfer terms, XXXX XXXX XXXX agreed to pay or close the XXXX account upon receipt of an itemized final bill. XXXX numerously failed to provide that bill and subsequently locked me out of my online account. My PIN and security question were suddenly invalid. 

XXXX XXXX : After multiple calls exceeding XXXX hours each, XXXX was unable to restore access. I received XXXX mailed bills, both inflated by {$1200.00} in XXXX favor and neither itemized. XXXX representatives acknowledged an error and promised to send a corrected bill, but never did. 

XXXX XXXX : XXXX promised repeatedly to mail my login credentials so I could see the itemized charges and the corrected, itemized statement. Nothing arrived. 


XX/XX/XXXX : On a routine follow-up call, I was told the account had been sent to collections. 
I immediately brought documentation to a XXXX store and joined a conference call with billing and collections, during which XXXX staff confirmed their billing error and that I should not have been referred to collections. 

XXXX removed the account from collections, placed me on a promise-to-pay autopay plan, and assured me that as long as I remained enrolled, no further collection action would occur. 

I received an email confirming my refund was pending and providing login credentials. When I logged in, the portal displayed Account locked for security reasons. 

The autopay plan I'd signed up for, in store, was never honored. 

So, despite these assurances, on XX/XX/XXXX, XXXX XXXX XXXX received and began reporting the alleged debtjust XXXX days after XXXX removed the account from collections and while a payment plan and refund were active. I reported this to the XXXX XXXX XXXX XXXX and it was removed after months. 

Earlier that week, XXXX refused to accept my partial payment toward XXXX remaining devices unless I paid the entire ( disputed ) amount in full. 

This sequence clearly shows I acted promptly and in good faith while Verizons own internal failures caused the accounts misclassification. 



XXXX. Additional Documentation and Account Access Failures I possess screenshots documenting repeated account lockouts throughout this period. 

During XXXX store visit, a XXXX associate informed me that my four-digit PIN was incorrect and she could not access my account, instructing me to contact corporate. The following week, with a different associate, the same PIN worked immediately, and my account was accessible without issue. 

FYI the billing error in their favor was for an XXXX not in my possession, I had to prove to them before theyd remove it. Its understandable Id want an itemized copy of a bill that already seems highly inflated and incorrect. 

These inconsistencies, combined with months of XXXX login failures, demonstrate that XXXX system errors and recorded inconsistencies obstructed my ability to review, verify, or pay the account. All screenshots and notes are preserved as supporting evidence. 



XXXX. Demand for Full Validation and Chain of Custody Pursuant to 15 U.S.C. 1692g and Cal. Civ. Code 1788.17, you are required to cease all collection activity and provide the following within 30 days : 1. The name and address of the original creditor ; 2. A complete itemized statement of all charges, fees, and payments ; 3. A full chain of custody ( chain of assignment ) for this debt, including : - Dates of each transfer or sale of the account ; - Names, addresses, and contact information of all prior holders ; - Copies of the assignment, bill of sale, or transfer agreements showing the account was legally conveyed to your agency ; 4. Documentation proving your agencys legal authority to collect or report this debt ; 5. Verification that the alleged balance is accurate, valid, and not time- barred ; and 6. Proof that your agency is licensed and authorized to collect in California. 

Until you provide this documentation, you must cease reporting or furnishing this account to any credit bureau, and since it has already been reported, you must immediately request its deletion or suppression pending validation.

5. Notice of Rights and Preservation of Evidence You are hereby notified that continued reporting or collection activity on an unvalidated or disputed debt may constitute willful violations of : 15 U.S.C. 1692e & 1692g ( FDCPA ) 15 U.S.C. 1681s-2 ( FCRA ) Cal. Civ. Code 1788.13 & 1788.17 ( Rosenthal Act ) I am preserving all correspondence, call logs, and digital evidence.

Please conduct all further communication in writing only at the address below. 



Sincerely, _____________________ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXXXXXX XXXX XXXXXX/XX/XXXX last XXXX of XXXX XXXX ( if needed for verification only ) ]

Company response to consumer: Closed with explanation