Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
If a notice of undeliverability is received, the debt can not be reported until communication is achieved. Providing debt validation information is XXXX way to meet this notification requirement, but it's not the only way. If a debt is disputed in writing within 30 days of receiving the validation notice, the debt collector must stop collection activities until the debt is verified. Before reporting a debt to a credit reporting agency, a debt collector must either : Speak to the consumer about the debt. 
Send a letter or electronic message about the debt and wait a reasonable period ( at least 14 days ) without receiving a notice of undeliverability. Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Deletion of Account from Credit Reports Due to Violations of FDCPA and XXXX Number : Unknown Dispute Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally demand the immediate deletion of the above-referenced account from all credit reporting agencies ( Equifax, Experian, and TransUnion ) due to multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This demand is based on the improper handling of the account, failure to validate the debt, failure to resolve my fraud dispute, and non-compliance with federal regulations governing debt collection and credit reporting. 
Background and Violations XXXX. Improper Sale and Handling of the Account : The account in question was allegedly sold to XXXX XXXX and previously placed with XXXX XXXX XXXX for collection. On XX/XX/XXXX, I disputed the account with XXXX XXXX XXXX, alleging fraud. According to XXXX response dated XX/XX/XXXX, they were not informed of any prior dispute or fraud allegation when XXXX XXXX XXXX XXXX placed the account with them on XX/XX/XXXX. This indicates a failure by XXXX XXXX XXXX XXXX to properly communicate the accounts disputed status, which violates the XXXX requirement for accurate information sharing between creditors and XXXX-party collectors ( 15 U.S.C. 1692e ). 
XXXX. Failure to Validate the Debt : Under 15 U.S.C. 1692g, debt collectors are required to send a written validation notice within XXXX days of their initial communication and must cease collection activities if the debt is disputed within the XXXX dispute period until verification is provided. While Sunrise claims to have sent a validation of debt and an XXXX XXXX XXXX XXXX XXXX, I have not received adequate verification of the debt from either XXXX XXXX XXXX or XXXX XXXX. The failure to provide proper validation violates the FDCPA. 
XXXX. Non-Compliance with Credit Reporting Restrictions : According to the FDCPA and FCRA, a debt collector may not report a debt to credit bureaus until they have either spoken to the consumer directly about the debt or sent a written notice and waited a reasonable period ( generally 14 days ) to ensure deliverability. XXXX XXXX XXXX reported the account to credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX without confirming the validity of the debt or resolving the fraud dispute, which violates 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( a ) of the FCRA. 
XXXX. Failure to Resolve Fraud Dispute : On XX/XX/XXXX, XXXX XXXX XXXX acknowledged my fraud allegation, ceased collection efforts, and forwarded my complaint to XXXX XXXX XXXX XXXX, instructing me to complete an XXXX XXXX XXXX XXXX XXXX. I complied with this request and sent the completed XXXX XXXX to XXXX XXXX XXXX XXXX Department as instructed. As of XX/XX/XXXX, XXXX than XXXX  days XXXX & XXXX has failed to respond or resolve the fraud dispute. This inaction violates the FCRAs requirement for furnishers of information to investigate and resolve disputes in a timely manner ( 15 U.S.C. 1681s-2 ( b ) ), typically within XXXX days. 
XXXX. Continued Reporting of Disputed/Fraudulent Debt : Despite my dispute and the fraud allegation, the account continues to appear on my credit reports, causing harm to my creditworthiness. XXXX XXXX XXXX claims to have deleted the information reported to credit bureaus and closed the account back to XXXX XXXX XXXX with a notation of possible fraud. However, the accounts continued presence on my credit reports suggests that either XXXX XXXX or XXXX XXXX XXXX XXXX has failed to update or remove the account, in violation of the FCRA ( 15 U.S.C. 1681i ). 
Demands Based on the above violations, I demand the following immediate actions : XXXX. Deletion of the Account from All Credit Reports : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX must immediately delete all references to this account from my credit files at XXXX, XXXX, and XXXX, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), as the debt is disputed, unverified, and potentially fraudulent. 
XXXX. Cease All Collection Activities : All collection efforts by XXXX XXXX and XXXX XXXX XXXX must permanently cease, as required by 15 U.S.C. 1692g ( b ), due to the failure to validate the debt and the unresolved fraud dispute. 
XXXX. Written Confirmation of Compliance : Within XXXX business days of receiving this letter, provide written confirmation that the account has been deleted from all credit reports and that all collection activities have ceased. Include copies of communications sent to XXXX, XXXX, and XXXX  instructing them to remove the account. 
XXXX. Investigation and Resolution by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must complete its investigation of my fraud dispute, as required by 15 U.S.C. 1681s-2 ( b ), and provide written confirmation of the resolution within XXXX  days. If the account is determined to be fraudulent, XXXX XXXX XXXX must ensure its permanent removal from my credit reports and absolve me of any liability. 
Consequences of Non-Compliance Failure to comply with this demand within the specified timeframes will result in further action, including but not limited to : * Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) for violations of the FDCPA and FCRA. 
* Filing a complaint with the Federal Trade Commission ( FTC ) for unfair and deceptive practices. 
* Pursuing legal action for damages, including statutory damages of up to {$1000.00} per violation under the FDCPA ( 15 U.S.C. 1692k ) and actual and punitive damages under the FCRA ( 15 U.S.C. 1681n ). 
* XXXX XXXX XXXX XXXX XXXX failure to investigate the fraud dispute to the appropriate regulatory authorities. 
Supporting Documentation Enclosed with this letter are copies of the following : * My dispute letter dated XX/XX/XXXX, sent to XXXX XXXX XXXX. 
* XXXX XXXX XXXX response dated XX/XX/XXXX. 
* Proof of mailing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
* Recent credit reports showing the accounts continued presence ( if applicable ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation