Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Regarding Unfair Debt Collection Practices, Re-aging, and Violation of the Fair Debt Collection Practices Act ( FDCPA ) & Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing a formal complaint against the debt collection agency ( s ) involved in attempting to collect a disputed debt. This complaint concerns clear violations of my rights under the FDCPA and FCRA. 

XXXX. The Disputed Debt & Initial Validation Request : In early XX/XX/year>, I was first contacted by a collection agency ( I believe to be [ Name of First Collector, if known ] ) regarding a debt they claimed I owed. I immediately disputed this debt in writing via email on [ Date of Your Initial Email ], stating it was not mine/inaccurate ( see attached documentation " [ Your Document Name ] '' which was included with my dispute ). I explicitly requested validation of the debt as required by law. 

XXXX. Failure to Validate and Subsequent Violation : The collector failed to provide any verification of the debt. In my initial dispute email, I clearly stated that if they could not validate the information, they must cease collection efforts and delete any tradeline placed on my credit reports. I gave them 30 days to resolve this. 

Instead of validating or deleting the information, they sold or transferred the debt to another collection agency ( [ Name of New Collector, if known ] ). This is a clear violation of 15 U.S.C. 1692g ( b ) of the FDCPA, which states that if a consumer disputes the debt in writing within 30 days, the collector must cease collection until validation is provided. Transferring the debt without providing validation is a continuation of collection activity and is unlawful.

3. Re-aging of the Debt : The new collection agency has now placed this account on my credit report. Most egregiously, they have re-aged the account. The date of first delinquency or the reported " Date Opened '' on my credit report ( attached ) is now listed as [ New Date on Credit Report ], which is inaccurate and later than the original alleged debt. This is a serious violation of the FCRA, which prohibits misrepresenting the character of a debt, and constitutes deceptive practice under the FDCPA. Re-aging is harmful and illegal, as it artificially extends the time the debt can remain on my report and damages my credit score.

4. My Demands : Due to the collector 's failure to validate the debt, their unlawful transfer of the debt during the dispute period, and the illegal re-aging of the account, I demand the following : The immediate and permanent deletion of this account and any associated tradelines from all three of my credit reports ( XXXX, XXXX, and XXXX  ). 

That all collection activity regarding this alleged debt cease permanently. 

That the collection agencies correct their records to reflect that this debt was disputed and not validated. 

I have attached the following documentation to support my complaint : Copy of my initial dispute email sent on [ Date ] with my documentation. 

Any correspondence received ( or lack thereof ). 

This matter has caused me significant stress and has unjustly harmed my creditworthiness. I expect the CFPB to investigate these violations and ensure these entities comply with federal consumer protection laws. 

The name of the agency is TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX I will also note that this comapny is not licensed in Nevada to perform collection duties and neither is the collection agency XXXX XXXX XXXX Please contact me at the information above regarding this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation