Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I had an XXXX loan with XXXX , XXXX that was charged off in the amount of {$66.00} because because my payment that was due on XX/XX/XXXXXXXX  went delinquent for over 120 days. XXXX then referred my loan to a third-party collections partner, TrueAccord. 

I initially opened a Credit Reporting Dispute case with XXXX , XXXX on XX/XX/XXXX, XXXX XXXX  EST. On XX/XX/XXXX, XXXX XXXX  I had not received any messages from XXXX, XXXX regarding the case so I sent a message with phone screenshots showing that my account with TrueAccord had been resolved. 

I still received no response from XXXX , XXXX and sent them another message on XX/XX/XXXX, XXXX XXXX  asking if they were still investigating the issue because it had been 12 days since my last message. 

On XX/XX/XXXX, XXXX XXXX  XXXX, XXXX finally responded that my payment fell outside the reporting time period covered when they last provided information to the credit reporting agency. 

During that time, on XX/XX/XXXX, I contacted TrueAccord to obtain a Loan Verification Letter that said that I resolved my balance of {$66.00} owed to XXXX , XXXX on XX/XX/XXXX. 

So on XX/XX/XXXX, XXXX XXXX  I sent a response clarifying that my balance had been resolved and sent them TrueAccords Loan Verification letter. 

I received a response on XX/XX/XXXX, XXXX XXXX  asking me to please contact their third party collections partner, TrueAccord, to update my account. 

On XX/XX/XXXX, XXXX XXXX  I responded that I already had done so and had sent my Loan Verification letter already as an attachment and requested that XXXX, XXXX updates my account. As of XX/XX/XXXXXXXX  that case is still " In progress. '' I contacted XXXX, XXXX after speaking with TrueAccord on XX/XX/XXXXXXXX  XXXX XXXX  EST which resulted in a second Credit Reporting Dispute case to be opened. 

I received a response from XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  saying I still owed {$26.00} to TrueAccord as a collections payment. They then sent me a Loan Verification Letter from XXXX , XXXX but for a different earlier loan that I had had previously with them. 

I responded on XX/XX/XXXX, XXXX XXXX  that, once again, TrueAccord provided me with a Loan Verification letter saying my loan has been completely resolved. I sent XXXX, XXXX another copy of the letter and asked that they fix their records. 

On XX/XX/XXXX, XXXX XXXX  XXXX, XXXX responded that according to their records there's no payment yet showing on their system from the collection that I paid the {$26.00}. XXXX, XXXX then sent me a Loan Verification Letter detailing that I have a balance of {$26.00}. 

On XX/XX/XXXX, XXXX XXXX  I acknowledged that they are unable to find the payment which is why I submit to them TrueAccords Loan Verification letter saying it is resolved. The case is also still " in progress. '' I also contacted XXXX to dispute the balance with XXXX , XXXX. on my credit report three times, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I disputed the balance with XXXX, XXXX on my credit report and provided XXXX with the Loan Verification letter from TrueAccord. Despite providing the Loan Verification letter all three times, each time I received this response from XXXX : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. ''

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