Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing a complaint against TrueAccord Corp regarding its collection activity on an alleged XXXX account in the amount of {$2100.00} ( Account No. XXXX ). I dispute this alleged debt in its entirety and believe TrueAccord is violating the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), CFPB Regulation F, and the Texas Finance Code.

TrueAccord contacted me claiming I owe {$2100.00} to XXXX. I do not agree that this debt is valid, accurate, legally owed, or legally collectible. I sent a written dispute and debt validation demand to TrueAccord, requesting full documentation of the alleged account, including : a complete itemized accounting showing how the {$2100.00} balance was calculated ; a copy of any signed contract or agreement bearing my name and signature ; proof that XXXX legally assigned, transferred, or sold this alleged debt to TrueAccord ; a full chain of title/chain of custody from the original creditor to TrueAccord ; all statements, payment history, credits, charges, and adjustments on the account ; and proof that this alleged amount is legally collectible and not inflated, expired, or erroneous. 

Despite this, TrueAccord has not provided any of the required documentation. They have not produced a signed agreement, account-level statements, or proof of ownership of the alleged debt. Instead, they continue to send collection communications and request payment. 

This conduct violates FDCPA 15 U.S.C. 1692g ( b ), which requires a debt collector to cease collection until it has mailed proper validation of the debt after a consumer disputes it. TrueAccord continued collection efforts without first validating the debt.

If TrueAccord has furnished, is furnishing, or intends to furnish any information regarding this alleged account to the credit bureaus, that would also violate FCRA 15 U.S.C. 1681s-2 ( a ) and 623 ( a ) ( 3 ), because the information is unverified, disputed, and not supported by documentation. Any reporting without validation would be inaccurate and misleading.

TrueAccords continued attempts to collect, while failing to validate the alleged debt, also constitute deceptive practices under FDCPA 1692e ( Section 807 ), which prohibits false, deceptive, or misleading representations, including misrepresenting the character, amount, or legal status of a debt.

I live in Texas, so Texas Finance Code Chapter 392 applies. Under Texas Finance Code 392.202, a debt collector must provide written validation within 30 days of a dispute or cease all collection efforts and remove any references to the alleged debt. TrueAccord has not provided proper validation, but continues collection activity, which is a violation of Texas law.

I consider this alleged debt to be unvalidated, disputed, and legally unenforceable until full documentation is provided. At this time, TrueAccord has failed to meet its legal obligations under federal and state law but is continuing to pursue collection. 

I am requesting CFPB assistance and investigation into TrueAccords practices in this matter.

Company response to consumer: Closed with explanation