Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Subject : Dispute of Fraudulent XXXXXX/XX/XXXX Account and Improper Debt Collection Practices by TrueAccord Complaint : I am filing a complaint against TrueAccord for attempting to collect on a fraudulent XXXX XX/XX/XXXX account ending in XXXX. I am a victim of identity theft and have provided extensive evidence, including a police report, to XXXXXX/XX/XXXX to prove that this account does not belong to me. Despite this, XXXXXX/XX/XXXX sold the account to TrueAccord, which continues to pursue me for a debt I do not owe. 

Details of the Issue : 1. No Validation of Debt : The account in question was never validated as mine. I provided XXXXXX/XX/XXXX with a copy of my police report and took all necessary steps to dispute the debt. Despite this, the account was sold to TrueAccord, which has continued collection efforts without providing proper validation.

2. No Credit Inquiries or Reporting : This account has never appeared on my credit report, nor are there any credit inquiries from XXXXXX/XX/XXXXTrueAccord, or any related entity. This further confirms that I did not authorize or open this account. 
XXXX. Identity Theft and Fraud Precautions : I am a verified victim of identity theft and have taken precautions to protect myself, including placing a security freeze on my credit report. However, despite being informed of this and provided evidence of the fraud, TrueAccord has ignored my claims and continues to attempt to collect this fraudulent debt.

Violation of Federal Law : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to : Cease collection efforts until they validate the debt upon request from the consumer.

Provide sufficient evidence that the debt is valid and belongs to the consumer.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ) : Creditors and collectors must block information resulting from identity theft upon receipt of appropriate proof, such as a police report.

TrueAccords collection efforts violate these laws, as they have failed to validate the debt and are pursuing me for an account that has been proven to be fraudulent.

Impact on My Life : These continued collection efforts are causing undue stress and damage to my reputation. I have taken all necessary steps to dispute this fraudulent debt, yet TrueAccords actions are obstructing my ability to move forward.

Resolution Requested : I request that the CFPB : 1. Investigate TrueAccord and XXXX XX/XX/XXXX handling of this fraudulent account and determine if their actions comply with the FDCPA and FCRA. 
2. Require XXXXrueAccord to immediately cease all collection efforts for this account and confirm in writing that the account will no longer be pursued. 
XXXX. Ensure XXXXXX/XX/XXXXnd TrueAccord take necessary steps to prevent further improper handling of disputes from victims of identity theft. 

Thank you for your attention to this matter.

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