TrueAccord almost never calls. It emails and texts — which is exactly why so many people search whether it is a real debt collector or a scam. It is real: TrueAccord Corp. describes itself as a full-service digital-first debt collection agency. And because it is a third-party collector, the debt in those emails started with some other company — often an online lender, a buy-now-pay-later account, or a store card.
What TrueAccord is
TrueAccord Corp. is a collection agency at 16011 College Boulevard, Suite 130, Lenexa, Kansas, in business since 2013 according to its Better Business Bureau record, collecting consumer and commercial debts. Its outreach runs through email, text, and an online portal rather than phone calls. When it reports a collection account under its own name, “TRUEACCORD” is what appears on the credit report.
The errors to look for
The debts TrueAccord handles are often small online accounts that changed hands quickly — a recipe for reporting errors. Look for: a debt that is not yours at all; a balance larger than what you owed; a debt you already paid or settled still reporting as open; a debt so old it should no longer appear; and the same debt reported twice, once by the original company and once by the collector, in a way that misstates what you owe. If the account is one you never had, start with our collection that is not yours page.
How to dispute a TrueAccord entry
With the credit bureaus. Dispute in writing with each bureau showing the entry. The bureau generally has thirty days to investigate, and the company that reported the debt must investigate what is forwarded to it. Keep copies and proof of mailing.
With the company. TrueAccord publishes its consumer contacts on its own website — support@trueaccord.com, telephone 888-316-5474, and 16011 College Blvd., Suite 130, Lenexa, KS 66219 — with a consumer help center. You can also demand validation of the debt itself; our free debt verification letter template covers how.
When the dispute fails
If a collection entry comes back “verified” and it is still wrong — not yours, the wrong amount, too old to report — the Fair Credit Reporting Act gives you a claim against the furnisher, the bureaus, or both. Damages can include your concrete losses, the harm to your credit, and statutory and punitive damages for willful violations. The fee provision is written into the Act: in a successful action the costs and reasonable attorney’s fees are recoverable from the defendant, as determined by the court. That is why this work is handled on a contingency basis rather than billed by the hour.
You pay nothing unless we win.
Where your situation fits
Our guide to removing collections from a credit report covers the steps in order, our directory of debt collectors and furnishers lists the companies that report, and if a dispute has already failed, our FCRA lawsuit page sets out what comes next.
Have your report reviewed
The Kim Law Firm represents consumers in Fair Credit Reporting Act cases against debt collectors and the credit bureaus. Send us the report page showing the entry and we will tell you whether we see a claim. Our FCRA attorney page covers how these cases work.
Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with TrueAccord Corp., and this page is not a complaint about that company. It describes how collection entries can appear on credit reports and the rights consumers have when an entry is wrong.