Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: VA

Complaint narrative:
* * Subject : CFPB Complaint Escalation Breach of Pay-for-Delete Agreement & FCRA Violations XXXX XXXX / TrueAccord ) * * To Whom It May Concern, This letter serves as a * * formal complaint, dispute, and legal notice of breach of agreement * * regarding the account associated witXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and resolved through * * TrueAccord * *. I have attached documentation clearly confirming that : * The account was * * paid and settled in full * * * The account is * * closed and resolved * * * Payment was made under the understanding and agreement that the account would be * * deleted from all credit reporting agencies * * Despite this, the account * * continues to be reported as a charge-off * *, which is both * * inaccurate and a direct violation of the agreed terms * *. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I. BREACH OF PAY-FOR-DELETE AGREEMENT * * This account was resolved under a * * pay-for-delete agreement * *, whether explicit or implied through settlement negotiations and collection practices. Failure to delete the tradeline after accepting payment constitutes : * * * Breach of agreement / contract * * * Unjust enrichment * Deceptive and unfair collection practices You accepted payment * * in exchange for resolution * *, yet continue to report derogatory information, which is unacceptable. -- - # # # * * II. VIOLATIONS OF FEDERAL LAW * * Your continued reporting violates the Fair Credit Reporting Act, including : * * * XXXX U.S.C. XXXX ( b ) * * Failure to ensure maximum possible accuracy * * * XXXX XXXX. XXXX ( b ) * * Failure to properly investigate disputed information * * * XXXX XXXX. XXXX ( a ) * * Failure to correct inaccurate or incomplete data XXXX a * * charge-off after settlement tied to deletion terms is materially misleading * *, as it does not reflect the true nature of the agreement or account resolution. -- - # # # * * XXXX. DOCUMENTED EVIDENCE * * Attached documentation from * * TrueAccord * * confirms : * Account resolved * Balance satisfied * Account closed This directly contradicts the continued derogatory reporting. -- - # # # * * IV. FORMAL DEMAND * * I am demanding the following : * * * Immediate deletion * * of this account from all credit bureaus * Written confirmation of deletion within * * 1015 days * * * Removal of all associated derogatory payment history tied to this tradeline -- - # # # * * V. NOTICE OF WILLFUL NONCOMPLIANCE * * If this issue is not corrected immediately, I will proceed with : * Additional complaints filed with the Consumer Financial Protection Bureau and Federal Trade Commission * Escalation to my State Attorney General * Filing claims for * * willful noncompliance, breach of agreement, and damages * * Be advised : * * Knowingly failing to delete an account after accepting payment under pay-for-delete terms constitutes willful misconduct. * * # # # * * VI. FINAL NOTICE * * You are now on notice to : * * * Honor the agreement and delete this account immediately * * Failure to act will result in escalation without further notice. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation