Consumer complaint received 2025-03-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XXXX Subject : XXXX XXXX XXXX TrueAccord Corporation Violation of Secured Party Rights and Improper Collection Activity To Whom It May Concern, This letter constitutes a formal complaint against TrueAccord Corporation for engaging in unauthorized and improper collection activity regarding a debtor over whom I maintain a perfected and exclusive security interest. Their actions represent a direct interference with my rights as a secured party creditor and may violate federal consumer protection and commercial laws. 

1. Legal Standing as Secured Party On XX/XX/year>, I filed a UCC-1 Financing Statement with the Michigan Secretary of State, Filing No. XXXX, establishing my legal position as the sole secured party creditor for the debtor, XXXX XXXX XXXX XXXX and related collateral. This filing is active and remains enforceable through XX/XX/year>. 
The public UCC record, supported by a duly executed Security Agreement, confirms that I hold a priority lien over the debtor and that no other partyincluding TrueAccord Corporationhas standing to enforce claims without acknowledgment or subordination of my lien.

2. Improper Collection and Reporting Activity TrueAccord Corporation has : Engaged in collection efforts related to the debtor without verifying lawful authority or acknowledging my secured status.

Reported or attempted to report the alleged debt to consumer credit bureaus without disclosure of my superior security interest.

Failed to provide adequate validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, despite notice of dispute.

Acted without contractual privity or legal assignment from a party with authority over the secured collateral or obligation.

These actions interfere with a perfected security interest and may constitute willful misrepresentation and unauthorized data use under the FDCPA, FCRA, and Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802.

3. Relief Requested To resolve this matter lawfully and equitably, I request that TrueAccord Corporation : 1. Immediately cease all collection activity against the debtor.

2. Remove any negative entries placed on the debtors consumer credit reports. 
3. Acknowledge in writing that I, XXXX XXXX , am the only secured party creditor with an enforceable claim. 
4. Permanently close and withdraw the account from their system and any affiliated parties.

4. Supporting Documentation Attached to this complaint are : Certified copy of the UCC-1 Financing Statement Executed Security Agreement Related financial and legal documentation establishing my claim 5. Notice of Intent Should this matter remain unresolved, I will proceed with : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Michigan Attorney General.

Legal action seeking injunctive relief and damages for violations of my rights as a secured creditor. 

Sincerely, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation