Updated on January 29th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against TrueAccord Corp.

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

Below is a summary of consumer complaints submitted to the CFPB (Consumer Financial Protection Bureau) regarding the debt collection practices of TrueAccord Corp. If you have experienced challenges with TrueAccord’s practices, understanding your legal rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) is essential.

Key Complaints Reported by Consumers 

Failure to Provide Debt Validation Documents

Consumers frequently reported that TrueAccord failed to provide proper documentation or validation of alleged debts. Many stated they received repeated requests for payment without detailed information about the debts in question, causing confusion and frustration.

Your Rights and Recourse:

• Under the FDCPA, debt collectors are required to provide debt validation upon request, including details of the debt amount, the original creditor, and proof of the debt’s legitimacy.
• Consumers can dispute inaccurate debts or request validation in writing, and all collection activity must cease until the debt is validated.

Harassment Through Repeated Communications

Many consumers expressed frustration over excessive emails, texts, and phone calls from TrueAccord, even after explicitly asking the agency to stop contacting them. This caused significant stress and led to allegations of harassment.

Your Rights and Recourse:

• The FDCPA prohibits repeated or excessive communication meant to annoy, harass, or abuse consumers.
• You can issue a written cease-and-desist letter. If the collection agency ignores it, they may be violating consumer protection laws.

Contacting for Debts Not Recognized by Consumers

Several complaints reveal instances where TrueAccord contacted consumers about debts they did not recognize. Complaints involved debts that were already settled, debts that weren’t their responsibility, or debts outside the statute of limitations.

Your Rights and Recourse:

• The FDCPA protects consumers from being pursued for debts they don’t owe. You can dispute the debt in writing and request proof.
• The FCRA allows you to dispute inaccurate information on your credit report with credit bureaus if the debt is reported falsely.

Inconsistent or Incorrect Information on Credit Reports

Consumers also reported discrepancies in their credit reports due to TrueAccord’s actions. These inaccuracies negatively impacted their credit scores and affected their ability to secure loans or access credit.

Your Rights and Recourse:

• The FCRA mandates that debt collectors and credit reporting agencies ensure the accuracy of information in your credit report.
• You can dispute incorrect entries with the credit bureau and the debt collector. Failure to correct these inaccuracies can result in legal consequences for the collector.

Not Responding to Cease-and-Desist Requests

Many consumers claimed that TrueAccord ignored their cease-and-desist requests, leading to continued communication despite their efforts to halt collection activities on disputed debts.

Your Rights and Recourse:

• The FDCPA requires debt collectors to stop all communication after receiving a written cease-and-desist letter, except to confirm receipt or notify you of legal action. Ignoring such requests is a violation.
• If your cease-and-desist requests have been ignored, legal representation can help ensure compliance from the debt collector.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with TrueAccord Corp., it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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