Credence Resource Management, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80209	Web
In summary, I opened an XXXX XXXX XXXX XXXX account in late XX/XX/XXXX and purchased a cell phone on an XXXX XXXX XXXX installment plan. After deciding I did not want to keep the phone and move forward with my newly-created XXXX XXXX XXXX account, I returned the phone within the 14-day return period on XX/XX/XXXX and closed the XXXX XXXX XXXX XXXX account. To this day, my closed XXXX XXXX XXXX account still indicates a past due balance of {$600.00} after numerous failed attempts to help XXXX XXXX XXXX resolve this issue. Since around the beginning of XX/XX/XXXX, I have received numerous daily debt collection calls from an external collection agency, and with each passing day, my personal credit score and history is at risk. XXXX XXXX XXXX has repeatedly ignored this issue -- while it may not be a significant matter for a company as large as XXXX XXXX XXXX, it is a considerable issue for me that has taken hours of my life to attempt to resolve. XXXX XXXX XXXX has never given me the opportunity to speak to a supervisor ( despite repeated requests ) and has ignored my requests to not seek debt collection, as this issue is a result of their own inability to locate the returned device. I will never conduct business with any XXXX XXXX XXXX company again, and I will encourage my family and friends not to do so as well. I am also an attorney and am prepared to seek legal resolution to this issue if XXXX XXXX XXXX does not meaningfully address and resolve this issue through this CFPB complaint. A detailed chronology of events follows. XX/XX/XXXX -- I purchased a XXXX XXXX XXXX XXXX - 128 GB - XXXX XXXX XXXXXXXX on a monthly installment plan on XXXX XXXX XXXX 's website ( Order # XXXX -- please see attachment " XXXX XXXX XXXX XX/XX/XXXX Order Confirmation Email.pdf '' ). While I placed the order online, I chose to pick it up at my local XXXX XXXX XXXX store. In doing so, I also created a new XXXX XXXX XXXX XXXX account ( I was not previously an XXXX XXXX XXXX XXXX customer ). XX/XX/XXXX -- I picked up the cell phone reference above at my local XXXX XXXX XXXX store ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ). XX/XX/XXXX -- Not wanting to have to return to the XXXX XXXX XXXX store, I looked up my XXXX XXXX XXXX order referenced above on XXXX XXXX XXXX 's website and requested to return the device ( understanding that in doing so, I would receive a full refund for the device, as I was still within the 14-day return period ). In doing so, XXXX XXXX XXXX provided me with an email confirmation of my return request ( please see attachment " XXXX XXXX XXXX Return Confirmation Email XXXX '' ). I used the link in that email to access and print out my XXXX XXXX XXXX-provided return shipping label ( please see attachment " XXXX XXXX XXXX Shipping Label.PNG '' ). XX/XX/XXXX -- I packaged the cell phone in all of its original packaging and affixed the XXXX XXXX XXXX return shipping label reference above to the box. I then dropped the package off at my local USPS location ( please see confirmation of drop-off in attachment " USPS Tracking Information.JPG '' ). On or about this date, I also closed my XXXX XXXX XXXX XXXX account by porting out my number on the account ( XXXX ). XX/XX/XXXX -- USPS delivered the package as indicated in the attachment " USPS Tracking Information.JPG, '' which notes " picked up by shipping agent '' on XX/XX/XXXX at XXXX XXXX. XX/XX/XXXX through XX/XX/XXXX -- I received approximately five written " past due notices '' from XXXX XXXX XXXX indicating a past due balance on my closed XXXX XXXX XXXX XXXX account ( account # XXXX ) of {$600.00} ( i.e., the total cost of the device and taxes ). During this time period, and throughout XX/XX/XXXX, I called XXXX XXXX XXXX 's customer service number at least ten times. Each time, I explained the chain of events noted above, was told a new " case '' was opened, and that my past due balance would be resolved within 3-5 business days. Each time, nothing happened, and I continued to receive past due notices from XXXX XXXX XXXX in the mail ( please see the " final notice '' past due balance letter in attachment " XXXX XXXX XXXX Final Notice Letter XXXX '' ). Each time I was told a new case was opened during this period, I was also told that I would receive a case tracking number via email within 24 hours -- despite asking and confirming with the XXXX XXXX XXXX agent each time, I never received a case tracking number within 24 hours ( or ever ) after any contact with XXXX XXXX XXXX. On nearly every occasion when calling, the line was disconnected ( and I never received a call back ), I was told I would receive a return call from a supervisor ( and never did ), or I was shuffled between numerous " departments '' within XXXX XXXX XXXX 's customer service center ( and each time had to explain the entire chain of events again, despite the fact that the previous agent had noted the call details on my account ). Furthermore, on every occasion when calling during this period, the XXXX XXXX XXXX agent confirmed the details of my cell phone order ( and return ) and confirmed that I am eligible for a full refund ( as the device was returned within the 14-day return period ) and that the USPS tracking number indicates my device was returned to XXXX XXXX XXXX warehouse. XX/XX/XXXX -- As I grew in concern that this past due " debt '' still remained on my closed account, I contacted XXXX XXXX XXXX 's customer service number again and spoke with an agent who told me a new case was created and that the balance would again be resolved within 3-5 business days. This agent also told me he could not immediately provide me with a case tracking number but that I would receive one within 24 hours ( I never did ). This agent did, however, provide me with his XXXX XXXX XXXX agent ID, which was XXXX. On or about this date, I also started receiving approximately 10 debt collection calls per day from Credence Resource Management , LLC, noting that I owed {$600.00} in past due balance to XXXX XXXX XXXX. I also received a written letter from Credence noting the same ( please see attachment " Credence Debt Collection Letter XXXX '' ). XX/XX/XXXX -- Still receiving calls from Credence, I called XXXX XXXX XXXX 's customer service line again and spoke with an agent who told me that previous agents ' statement that I could not immediately receive case tracking numbers was incorrect. She also noted the XX/XX/XXXX agent ID ( XXXX, noted above ) and indicated she would report him for giving me false information. This XX/XX/XXXX agent told me that looking at my account notes, no case had ever been created. On this day, this new agent actually created a real case, immediately provided me with a case tracking number ( XXXX XXXX, and told me that the case ( and my past due balance ) was scheduled to be resolved on XX/XX/XXXX. This agent also noted that as I would not be receiving confirmation of case resolution, I should contact XXXX XXXX XXXX again on XX/XX/XXXX to confirm the case 's progress. XX/XX/XXXX -- As I was still receiving calls from Credence, I knew the XX/XX/XXXX case had not been resolved. I contacted XXXX XXXX XXXX 's customer service number again on this date and was told that there was no update on the case and that XXXX XXXX XXXX was unable to locate the device. I asked to speak with a supervisor and was put on hold for approximately 30 minutes. After 30 minutes, I ended the call, expecting not to be able to speak to a supervisor that day. XX/XX/XXXX -- As I was still receiving calls from Credence, I knew the XX/XX/XXXX case still had not been resolved. I contacted XXXX XXXX XXXX 's customer service number again on this date and was told that there was no update on the case and that XXXX XXXX XXXX was unable to locate the device. I was told to wait a few more business days and that nothing could be done at that time. XX/XX/XXXX -- As I was still receiving calls from Credence, I knew the XX/XX/XXXX case still had not been resolved. I contacted XXXX XXXX XXXX 's customer service number again on this date and was told that there was no update on the case and that XXXX XXXX XXXX was unable to locate the device. I asked to speak with a supervisor and was put on hold for approximately 30 minutes. After 30 minutes, I ended the call, expecting not to be able to speak to a supervisor that day. XX/XX/XXXX -- As I was still receiving calls from Credence, I knew the XX/XX/XXXX case still had not been resolved. I contacted XXXX XXXX XXXX 's customer service number again on this date and was told that there was no update on the case and that XXXX XXXX XXXX was unable to locate the device. I asked to speak with a supervisor and was put on hold for approximately 15-20 minutes. After this time had passed, the agent ( whose name was XXXX ) told me that no supervisor was available and asked for a good number for one to contact me within one hour. I gave XXXX my number and confirmed it with her. I also confirmed with XXXX that I would receive a callback from one of her supervisors within one hour. To do this, I have received no call, email, or any other form of contact from anyone at XXXX XXXX XXXX. XX/XX/XXXX through XX/XX/XXXX -- On each day throughout this period, I have continued to receive debt collection calls from Credence. XXXX XXXX XXXX has made zero meaningful effort to locate the device, stop debt collection calls, or keep me informed of updates. My personal credit score and history continues to be at risk if Credence decides to report my debt to any credit agency.
03/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95205	Web	Servicemember
XXXX XXXX XX/XX/XXXX RE : XXXX XXXX XXXX {$120.00} Erroneous Charges Posted to Credit Reports I am filing this FCC complaint against XXXX XXXX XXXX because it is violating the rules established by this regulatory agency. It has failed to respond to the complaint filed against it and is working with on of it employees to hack my devices and email accounts to prevent to receipt and submission of correspondence with the government agency. BACKGROUND On XX/XX/XXXX, I contacted XXXX XXXX XXXX for Residential Internet Service. On XX/XX/XXXX, I received a gateway, XXXX XXXX XXXX, and a XXXX XXXX XXXX Residential Technician XXXX arrived and repaired the outside wiring to receive a connection. On XX/XX/XXXX, an XXXX XXXX XXXX Supervisor arrived to XXXX XXXX XXXX and provided an Extender for Cell Service. I spoke with the XXXX XXXX XXXX supervisor because he knocked over my garbage container. I noticed that XXXX XXXX XXXX is simultaneously connected at resident XXXX XXXX XXXX each time it is connected at my residence, XXXX XXXXXXXX XXXX On XX/XX/XXXX, I connected the device for one hour to complete the home installation. I did not connected the device again until XX/XX/XXXX. On XX/XX/XXXX, I began having connection issues. On XX/XX/XXXX, the connection issues became unbearable when I had no connection. On XX/XX/XXXX, or thereabouts, XXXX XXXX XXXX sent out a technician. As a typical troubleshooting procedure, the technician tested the signal strength. In response, the technician provided a new gateway of the same type. Again, the connection issues continued and resetting the device did not resolve the issue. On XX/XX/XXXX, another XXXX XXXX XXXX technician arrived, tested the signal strength, and exchanged the gateway. From this point until XX/XX/XXXX, I contacted AT & T about the service not connecting and not being able to access the service that I pay each month. On XX/XX/XXXX, an XXXX XXXX XXXX supervisor arrived at XXXXXXXX XXXX. to provide a fourth gateway, which had not been provided because the XXXX XXXX XXXX technician did not arrived. After all of the connection issues, I just unplugged the gateway from the power outlet and did not use the service again fully until XX/XX/XXXX. This is when XXXX XXXX XXXX began to bully, intimate, threaten, and attempt to extort money from m because I filed a FCC complaint. On XX/XX/XXXX, I connected the XXXX XXXX XXXX gateway to access the Internet service I pay for each month, but I had no connection yet again. I noticed an IP Address XXXX was the cause of my connection problems. This IP address was making a connection to the gateway before any device I had connected. It appeared that if this IP Address didnt connect first, none of my devices would be able to connect either. This IP Address XXXX is an XXXX XXXX XXXX Technician remote access connection. However, XXXX XXXX XXXX technicians ran test and stated it was a line issue. After hearing this repeatedly that there was a line issue, I asked XXXX XXXX XXXX to repair the line. XXXXXXXX XXXX XXXX refused, but, instead, began to bully, intimidated, and harass me by refusing to perform any troubleshooting procedures to fix the Internet connection issues. Throughout the month of XX/XX/XXXX, I had no Internet. I contacted XXXX scheduling an appointment for XX/XX/XXXX for Internet service. On XX/XX/XXXX, I filed a complaint with the FCC XXXX Federal Communications Commission ) against XXXX XXXX XXXX for its retaliatory actions for requesting to have access to the Internet services I paid for each month. On XX/XX/XXXX, I learned XXXX XXXX XXXX changed my service from XXXX to XXXX download speeds. In addition, XXXX XXXX XXXX charged me for both my regular XXXX service fee and its changes for XXXX data speed. This became XXXXXXXX XXXX XXXXXXXX avenue to attempt to extort money from me for contacting the FCC and learning that there was an issue with the service ( Line 2 ) constantly disconnecting creating the interruption. On XX/XX/XXXX, I called XXXX XXXX XXXX Technical Support and inquired if I could use my own gateway device to connect to the Internet service. I was advised I could and began researching the Internet over my mobile table for compatible devices. The compatible devices needed to be XXXX for XXXX XXXX XXXX service to work with it. I found a compatible device and cable costing {$250.00} or thereabouts. The items were a modem, non-wireless router, and 50-ft cable. These items were later purchased. On XX/XX/XXXX, XXXX technician came and installed cable Internet service. On XX/XX/XXXX, XXXX XXXX XXXX Supervisor XXXX and Technician XXXX came out and dismantled the XXXX XXXX XXXX XXXX where the Internet connections are making the connection insecure. XXXX XXXX XXXX Supervisor XXXX attempted to intimidate and threatened me by saying no more technicians will be coming to home to service the connection. XXXXXXXX XXXX XXXX technicians wanted access inside me home when the connection to its service were in my garage, outside my home on the property and across the street located at XXXX XXXX XXXX. The line issue was never repaired although technicians tested the line and had many problems locating the signal for service. In XX/XX/XXXX, XXXX XXXX XXXX overcharged me for months of service ( XXXX, XXXX ) when I did not have Internet service. On XXXX, the due amount for these months became {$5.00} with credits by the XXXX XXXX XXXX Customer Service department XXXX However, in XX/XX/XXXX, the due amount became {$180.00}, which was removed credits. Therefore, XXXX XXXX XXXX began to apply credits the previous month of when I filed a FCC complaint and remove credits the following month. This continued until XX/XX/XXXX. In XX/XX/XXXX, I followed through with the purchase of my own gateway devices such as modem, non-wireless router, and cable. I did not use my devices because the Internet service began working consistently when I used my new cable for connection to the gateway. I paid my new monthly fee of {$55.00}, which increased after the first FCC complaint against XXXX XXXX XXXX. On XXXX, I decided to setup my new modem and non-wireless router. I contacted XXXX XXXX XXXX about assistance. It was at this time XXXX XXXX XXXX informed me that I could not use my devices standalone on its network, but could connect my device behind its gateway. That means I had to have its device connected first and my device connected second. I disagreed with this decision and returned it gateway, which meant I was no longer using it service.. I continued paying the monthly fee of {$55.00} until XX/XX/XXXX. On XX/XX/XXXX, I called XXXX XXXX XXXX Customer Service pay my bill for the months of XXXX and XX/XX/XXXX and cancel my account. I paid for XX/XX/XXXX. On XXXX, I paid for XX/XX/XXXX and canceled. PRESENT STATUS I have not used XXXX XXXX XXXX service since XX/XX/XXXX. I made a final payment to XXXX XXXX XXXX XX/XX/XXXX. However, XXXX XXXX XXXX continued to charge me. In XX/XX/XXXX, I filed another FCC complaint against XXXX XXXX XXXX for a bill of {$250.00}, which it decreased to {$120.00}. However, my question before this agency was and is what does this charge cover and the period of time? XXXX XXXX XXXX can not say that this charge is for service because I have not used it services since XX/XX/XXXX. XXXX XXXX XXXX can not say this charge is for the gateway because I returned all of its gateways thru XXXX which I have my receipt as evidence. On XX/XX/XXXX, I learned that XXXX XXXX XXXX added this charge to my XXXX credit report in complete violation of the Fair Credit Reporting Act ( FCRA ). I have not received any communication. I learned of this change to my credit report through a credit monitoring company. ALTERNATE RESOLUTION I propose the following resolution. I request that : a ) XXXX XXXX XXXX provide evidence of Internet service to my residence via a connection through one of its gateway from XX/XX/XXXX until XX/XX/XXXX substantiating its right to payment in the amount of {$120.00} ; b ) XXXX XXXX XXXX be fined for violations of the FCRA if it is unable to substantiate it claim of non- payment of Internet services in the amount of {$120.00} as posted to my XXXX credit report ; and/or, c ) my statement herein be used to initiate the formal complaint process against XXXX XXXX XXXX if neither a or b is actionable. Respectfully, XXXX XXXX
12/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web
On XX/XX/XXXX a collection account has been wrongfully placed on my credit report by your office and you are being held responsible from here on out. You are currently reporting : Credence Resource Management for the amount of {$13000.00}. I want to inform your office that you are violating my right by reporting inaccurate information on my consumer credit report of collections that are being opened by me, I have no knowledge of them, be advised by the law I have the right to dispute these inaccuracies and have them removed. You are in violation of FCRA. You are falsely and inaccurately reporting information on a collection I have no knowledge of. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), Sept. 30, 1996, 110 Stat. 3009425. )
12/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78634	Web
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. Please cease and desist all collection activities until you can properly validate this alleged debt. I have not done or agreed to do any business with Credence nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. This is a direct violation of my rights 15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE Credence ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY R EPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Copy of link to Law Attached https : XXXXXXXX XXXX XXXX violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. Account Name : Credence Account XXXX :
03/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27617	Web
XXXX Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with TXXXX XXXX XXXX XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from XXXX ( XXXX ) and/or XXXX ( XXXX ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 XXXX, Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. XXXX. CREDENCE RESOURCE MANAGE XXXX {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
02/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ XXXXX	Web
I received a letter under my door from my neighbor on XX/XX/2023, from Credence Resource Management LLC. The first thing I noticed was that the address was wrong. The correspondence was an offer to settle my account at a reduced amount. I sent them an e-mail about them possibly granting me a 'Pay For Deletion '. After I sent them the e-mail, I called their customer service line to correct my address in their system. When I called, I was transferred to a gentleman who claimed he was a supervisor at Credence. He reminded me that the call was being recorded because it was an attempt to collect the debt. He asked told me the amount and about the offer, I told him I wasn't calling to make any payments because I sent Credence an e-mail and rather wait for a response. After some pushing and claiming he can help me, just told me what I wanted, and told him I didn't want to try and get a 'Pay for Delete ' in which he said he can do that for me. I even reminded him that he was saying this on a recorded line. He says he knows and that he's not lying after he said they don't put them in writing. I asked his name and he said his name was XXXX. ( I asked him again because I didn't believe him. ) Things even go contentious on the phone because he wanted to take my card info and charge at the agreed payment date. I declined because I'd never been comfortable with that method. He backtracked on his agreement for which I called him on it and he denied he was doing that. He stated that I would have to pay the full amount of my debt after I decline to pre-submit my debit card information. * ( The call was on XX/XX/2023, beginning at XXXX XXXX EST and lasted 20 minutes and 25 seconds from number XXXX ) Below is email # 1 to Credence : _____________________________________________________________________ Date : XX/XX/2023 RE : REGARDING THE FOLLOWING ACCOUNT Reference Number : Original Creditor : T-Mobile Amount Listed : {$390.00} Dear Credence, I, ____________________, am writing this letter to humbly request to create a plan to settle the alleged amount due of {$390.00} that you graciously offered me via letter. I am recovering from some financial hardships brought on by the pandemic so it helps. Please note that while I am offering to accept this amount of money to settle the debt, this is not my acknowledgment of its liability. I need to ask for further help from Credence. I am hoping that we can come to a mutual agreement to settle this debt and you would be gracious enough to help me save a 7 to 10-year hit on my credit report. Please consider the following : 1. Remove all information regarding this debt from the credit reporting agencies XXXX, XXXX, and XXXX ; 2. Payment will be made to satisfy the payment in full under the Account ; 3. This debt will be deleted from your records ; and 4. There will be no mention of this debt or settlement to any third ( 3rd ) parties. If the above-mentioned items are acceptable to you, I am willing to pay this debt in two payments of {$170.00}. I would like to only correspond to an individual who is an official representative of Credence with the terms of this offer expiring in thirty ( 30 ) days upon receipt. Also, if agreed, I would need an e-mail stating the acceptance of the terms on company letterhead. ( .pdf files or document scans will also be acceptable. ) Hoping for a mutually beneficial outcome for both Credence and myself. I can be contacted via the following : Email : __________________ Phone : _______________________ Respectfully, _____________________________________________________________________ After my conversation with XXXX at Credence, I received an e-mail responding to my email # 1. _____________________________________________________________________ Hello, We are in receipt of your email, dated XX/XX/2023 Please be informed that upon payment of the offer amount your account will be marked as resolved less than the full balance. We will inform all credit reporting agencies that we have reported, to mark the account as paid in full/ resolved less than the full balance. The offer amount can be paid in installments at your convenience and ease. To activate the payment plan on your account, please call on our toll-free number XXXX and our executives will be happy to help you in scheduling the payment arrangement as per your request for the said account. Please feel free to contact us if you have any questions or concerns at : Credence Resource Management , LLC _____________________________________________________________________ After reading this e-mail, I sent Credence e-mail # 2 to inform them of the arrangement that was promised to me on a recorded line that was for a 'Pay for Deletion '. This e-mail # 2 to Credence : _____________________________________________________________________ Good morning, Thank you for the response. I have one concern I would like to bring up. Yesterday, I had a long conversation with a gentleman who claimed his name was XXXX. He said he was a Supervisor. During the call, I was reminded ( and I kept stating to XXXX during our conversation ) that I was being recorded. I was told on more than one occasion that my account would be " removed '' from my credit report fully. The call was yesterday, XX/XX/2023, beginning at XXXX XXXX EST and lasted 20 minutes and 25 seconds. I called from number ______________________. Since you have it recorded, please look into the conversation yourself, please because there is a major contradiction between your e-mail and the guarantee your customer service supervisor ( XXXX ) told me during our recorded conversation. Patiently awaiting your response, _____________________________________________________________________ This was Credence 's response. e-mail # 2 : _____________________________________________________________________ Hello, We are in receipt of your email, dated XX/XX/2023 We apologize for the inconvenience you may have experienced thus far. Please be informed that this email itself is the confirmation stating that the offer amount can be paid in installments at your convenience. Also be advised that once the offer amount is paid, your account will be marked as resolved for less than the full balance. We will also inform all credit reporting agencies that we have reported, to mark the account as resolved less than the full balance. Please feel free to contact us if you have any questions or concerns at : Credence Resource Management , LLC _____________________________________________________________________ As you can see, they only addressed my concern as an " inconvenience, I may have experienced '' I feel that Credence is obligated to honor the agreement made by their representative, just as I would be held to honor any payment arrangements or any agreements I would've made to them. As they mentioned, my calls were recorded in attempts to collect a debt. The transcripts of that call will verify my claims. I was misled that I had an agreement to have my debt deleted from my credit report.
03/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31768	Web
PURSUANT 15USC1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I THE CONSUMER CHECKED MY CONSUMER REPORT AN NOTICE CREDENCE RESOURCE MANAGEMENT SAYS THAT I HAVE A DEBT OF {$2900.00} I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY I ASKED FOR VALIDATION OF THE DEBT, ORIGINAL CREDITOR, ORIGINAL CONTRACT SIGNED BY BOTH PARTIES.THEY SENT THE CONSUMER A MADE UP VERIFICATION OF BALANCE WHICH IS NOT A CONTRACT THEN THEY SENT THE CONSUMER A FAKE CONTRACT IN WHICH IT IS NOT MY SIGNATURE ON I. ALSO IF THE DEBT WAS ALLEGED ACCOUNT WAS OPENED XXXX CREDENCE SAYS XXXX HOWEVER THE COPY OF THE ALLEGED CONTRACT HAS XXXX XXXX AS IF THEY JUST COPIED AN PASTE TO MAKE THE DEBT LOOK ACCURATE THEY ARE USING UNFAIR AN LAWFUL MEANS TO COLLECT A DEBT THEY ARE USING FALSE AN MISLEADING FORMS.. THEY VIOLATED THE FDCRA. CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX To Whom this may concern. I the CONSUMER ( 15 USC 1692a ( 3 ) ) agree to any debt obligation or alleged obligation that I may LAWFULLY OWE, ONLY IF THEY'RE COLLECTED FAIR, LAWFUL AND FOLLOW GUIDELINES ACCORDING TO THE ( FDCPA ). Pursuant to 15 USC 1692- Congressional Finding The FDCPA was created to make sure I the consumer retain fairness when it comes to the collection of my alleged debts. I the consumer has noticed that there is an abundant amount of abusive, deceptive, an unfair practice being done to me when it comes to CREDENCE RESOURCE MANAGEMENT, they have violated ONE OR MORE OF THE FDCPA GUIDELINES. I THE CONSUMER NOTICE THAT DEBT COLLECTORS LIKE CREDENCE RESOURCE MANAGEMENT NOT ABIDING BY THE FDCPA LAWS IT MAKES ALL DEBT COLLECTORS LOOK LIKE FRAUDSTERS, WHICH IS NOT FAIR TO THE HONEST DEBT COLLECTORS ' REPUTATION. ( 12CFR1006.1 ( a ( b ) ). I the consumer requested a VALIDATION OF THE DEBT ( 15 USC 1692g ( b ) ) from CREDENCE RESOURCE MANAGEMENT on XX/XX/XXXX they sent me an email on XX/XX/XXXX with VERIFICATION OF BALANCE STATEMENT ( 15 USC 1692b ( 2 ) contained statement this is an attempt to collect a debt ) which is not a VALIDATION OF THE DEBT. Nor it is an original contract or invoice signed by both parties. I the consumer responded on XX/XX/XXXX. This is NOT A CONTRACT OR INVOICE. CREDENCE RESOURCE MANAGEMENT responded on XX/XX/XXXX with a COPY OF A FALSE AND MISLEADING CONTRACT. That is in fact not a CONTRACT or a legal binding instrument as a legal binding instrument require signatures of BOTH participating parties. The signature on the alleged contract isn't even my signature it also doesnt contain signature of other party. I the consumer also request that you send me a copy of a signed agreement between I the consumer and credence resource management. ( 15 USC 1692d ( 2 ) IT WAS OBSCENE AN PROFANE TO ME ) that they are attempting to collect a debt with a positive balance of {$2900.00}. I the consumer would like to state under the FDCPA 15 USC 1692e ( 2 ) ( A ) The amount that is allegedly owed is FALSE AN MISLEADING information. Under 15 USC 16 66 the statement contains a billing error with debt being a positive and not a negative balance. To my understanding if the balance is positive how can this be considered a debt? ALSO ACCORDING TO XXXX, I OWE THEM NOTHING. THIS DEBT IS UNPLAYABLE DUE TO BALANCE BEING POSITIVE AND ACCORDING TO ( ARTICLE 1 SECTION US CONSTITUTION DEBTS CAN ONLY BE PAID WITH GOLD AN SILVER ). I the consumer HAS NEVER DONE ANY BUSINESS WITH CREDENCE RESOURCE MANAGEMENT I the consumer also notice that CREDENCE RESOURCE MANAGEMENT has a different date for the opening date of alleged debt than on MY CONSUMER REPORT according to my consumer report the alleged account was opened on XX/XX/XXXX. According to the contract that credence provided, that was allegedly given to them by the creditor the account was opened on XX/XX/XXXX. Which make this account and the reporting of this account INACCURATE. I THE CONSUMER WOULD LIKE TO INVOKE MY SPECIFIED REMEDY AS ORIGINAL CREDITOR AND CONSUMER. UNDER 15 USC 1692c ( c ) Ceasing communication - REFUSE to pay debts or alleged is the choice of the consumer I THE CONSUMER WOULD LIKE TO REFUSE THIS DEBT WHICH IS COMING FROM A 3RD PARTY COLLECTION AGENCY IN WHICH I THE CONSUMER HAVE NEVER DONE ANY BUSINESS WITH OR SIGNED ANY CONTRACTS WITH, I WOULD LIKE CREDENCE RESOURCE MANAGEMENT TO CEASE CONTACT WITH ME. YOU MAY ONLY CONTACT ME TO ADVISE THE DEBT HAS BEEN DISCHARGED, WITH THE VALIDATION OF THIS ALLEGED DEBT, OR THAT THE DEBT HAS BEEN REMOVED FROM MY CONSUMER REPORT. IN WHICH I THE CONSUMER HAS NEVER GIVEN WRITTEN CONSENT FOR ANY REPORTING AGENCIES TO REPORT ON MY CONSUMER REPORT FROM THE START. ( FCRA 15 USC 1681b ( a ) ( 2 ) ). AS IT SEEMS CREDENCE AND THE REPORTING AGENCIES IS COMMITTING FRAUD AND ( INVASION OF MY CONSUMER RIGHT TO PRIVACY BY ADVERTISING THIS ALLEGED DEBT ON MY CONSUMER REPORT 15USC1681 ( a ) ( 4 ) ) I THE CONSUMER IS REQUESTING ONCE AGAIN FOR THIS DEBT TO BE VALIDATED, NAME AND ADDRESS OF ORIGINAL CREDITOR. ( PURSUANT TO 15USC 1692g ( b ) ). I ALSO CHOOSE TO INVOKE RULE 1002 TO REQUEST ORIGINAL CONTRACT OR AGREEMENT NOT A COPY. THIS IS NOT AN ATTEMPT TO VERIFY BALANCE OR DEBT I THE CONSUMER WANT CREDENCE RESOURCE MANAGEMENT TO VALIDATE THIS DEBT as required pursuant to 15USC 1692g ( b ). ALL COLLECTIONS MUST STOP AS OF THIS LETTER INCLUDING THE REPORTING OF ANY NEW OR OLD INFORMATION TO CONSUMER REPORT OR REPORTING AGENCIES. THIS NOT AN OPTION THIS IS FEDERAL LAW PURSANT TO 15 USC 1692g ( b ). PROMPTLY DELETE THIS OFF MY CONSUMER REPORT. IF THE REQUESTED INFORMATION CAN NOT BE PROVIDED WITH IN 30 DAYS OR I RECEIVE NO RESPOND THIS DEBT NEED TO AND WILL BE DISCHARGED AN REMOVED FROM MY CONSUMER REPORT. BEING THAT IT HAS INACCURATE INFORMATION SUCH AS ACCOUNT OPEN DATE THIS NEED TO BE DISCHARGED AND REMOVED ANYWAYS. BEING IN VALIDATION THIS DEBT STILL NEED TO BE REMOVED FROM COLLECTIONS AN OFF OF MY CONSUMER REPORT. CONTACT ME VIA EMAIL XXXX MONDAY-FRIDAY SAT AN SUN-ANYTIME AFTER XXXX UNTIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX
01/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30013	Web
ON XXXX XXXX VISITED XXXX XXXX XXXX RETAILER ON XXXX XXXXXXXX XXXX XXXX GA TO INQUIRE ABOUT PROSPECTIVE PHONE SERVICE. I WAS INTERESTED IN A LOW MONTHLY SERVICE PLAN, AND UNLIMITED DATA. I WAS INFORMED THAT I WOULD HAVE A BILL EACH MONTH OF {$80.00} AFTER A WHILE OF MEETING WITH THE AGENT I WAS GREETED BY A MANAGER THAT ASSISTED ME ON THE ONLY PLAN AVAILABLE. I WAS STUNNED THAT I COULD GET A LOWER PLAN AMOUNT BUT THE AGENT SAID AHE GAVE ME THE HIGHER PLAN AND THE MANAGER SAYS " I WAS SAYING YOU COULD GIVE HER THE LOWER PLAN BESIDES THE {$80.00} BUT THEY TALKED AMONGST THEMSELVES AND NOT DIRECTLY TO ME AS I WAS PUZZLED. I WAS INFORMED THEN THAT THE ONLY PLAN I COULD RECEIVE WAS THE HIGHER PLAN FOR THAT PARTICULAR PHONE. I WAS TOLD THEY WAS NOT SURE HOW MUCH IT WOULD BE TOTALED EACH MONTH DUE TO TAXES AND OTHER FEES AND THAT THE FIRAT MONTH BILL WOULD BE EXTREMELY HIGHER. I CHOSE THE XXXXXXXX XXXX WHICH WASNT FOR ME BUT FOR MY DAUGHTER FOR HER BIRTHDAY UPCOMING. I LEFT AND WENT TO XXXX ACROSS THE STREET AND SEEN A EXACT SAME XXXX XXXXXXXX FOR {$340.00} WITHOUT CONTRACT. I STARTED TO CHANGE MY MIND BECAUSE I JUST HAD SIGNED A CONTRACT FOR {$640.00}. I KEPT ALL OF MY EMAILS, AND PHONE RECEIPTS FROM XXXX XXXX XXXX I PAID CONSISTENTLY EACH MONTH XXXX OR WHATEVER THE BILL STATED IF THERE WAS A LATE FEE I PAID THAT. I WANTED TO PURCHASE A XXXXXXXX XXXX AROUND XXXX XXXX AND I HAD THE HARDEST OF TIME OF TRYING TO DO AN ONLONE ORDER BUT I WAS PERSISTENT. I CONTACTED CHAT/SUPPORT AND EVEN REPRESENATIVES VIA PHONE TO GET PRICING DETAILS, AND ASSISTANCE WITH ORDERING. I WAS INFORMED THERE WAS A PROMOTION GOING FOR BUY ONE GET ONE FREE SALE. I WAS IN MY OPINION PRESSURED BY THE SALES REP DEPT. I ONLY ONE XXXX XXXX BUT HE CONTINUED TO EXPLAIN I COULD GET ONE BUY ONE FREE AND TO TAKE HIM UP ON THE OFFER AFTER MANY " NO 'S AND NO THANK YOUS '' FROM ME HE WAS RELUCTANT TO GIVE UP ON HIS SALES PITCH. I WAS VERY HESITANT BECAUSE WHY WOULD I NEED 2 XXXX BUT LWT ALONE 4? I BECAME AGITATED. I FELT HE HAD A COMMISSION TO DO BUT THIS WOULD MAKE MY INTERNET/WIRELESS BILL EVEN MORE HIGHER. I FINALLY GAVE IN TO HIS TACTICS AND AGREED TO GET THE BUY ONE GET ONE FREE BUT HE PROMISED ME THE OFFER WAS NO GIMMICK AND NOT HIM TRYING TO TRICK ME BASICALLY SO I SAID OK I KNOW CALL IS RECORDED AND IM HOLD YOU TO YOUR WORDS. HE SAID I WOULD ONLY BE RESPONSIBLE FOR THE WIRELESS INSURANCE AND THE 1ST XXXX FROM BUY ONE GET ONE FREE NOT HAVING TO PAY FOR ALL FOR ONLY THE 1ST AND SECOND XXXX ONLY. AND DATA PLAN. I WAS TOLD I WOULD. BE ABLE TO GET ON INTERNET, MAKE CALLS, AND THE XXXX XXXXXXXX XXXX WOULD WORK AS SHOWN ONLINE. THIS WASNT TRUE AT ALL. I WAS TOLD I HAD TO GET A SD CARD BY REPS AND I WOULD BE ABLE TO USE THE PHONE FOR DATA AND I TRAVELED TO THE XXXXXXXX XXXX XXXX STORE AND THAT WAS NOT TRUE BUT FALSE. THEY CHECKED MY PHONES AND I EXPLAINED EVERYTHING AND EVEN THE RETAILER WANTED TO KNOW WHY I WAS LIED TO ABOUT HAVING TO INSERT SD CARD TO USE. ALSO THEY MIALED ME VIA PHONE TOLD ME THAT I COULD USE THE XXXX WITH OTHER CARRIERS IF I WANTED TO USE ANOTHER COMPANIES PHONES BUT THAT WAS ALSO FALSE. SO I BASICALLY ENDED UP WASTING MONEY BUYING ALL OF THESE XXXX FROM XXXX TRYING TO USE WITH THE XXXX. I WAS SO DISSAPOINTED. I WAS TRYING TO SEND THE WATCHES BACK TO XXXX XXXX XXXX AND ALL VIA SHIPMENT AND XXXX XXXX XXXX BECAUSE IT WASNT WHAT I EXPECTED. ESPECIALLY AFTER THEY TELL YOU ONE THING AND I WOULD BE OUT AND EVEN WITH THE XXXX XXXX XXXX PHONE I PURCHASED THE DATA WHICH SUPPOSED ALL OF THEM HAD THEIR OWN PHONE NUMBERS I COULDNT EVEN USE THE SERVICE IN WHICH I INFORMED XXXX XXXX XXXX I FELD DISREGARDED. I EVEN CONTACTED THE PRESIDENT OF XXXX XXXX XXXX AND EMAILED HIM AND ALSO SUPERVISORS I HAD TO FIGHT NAIL AND TOOTH TO GET THEM ON PHONE TO EXPLAIN MY SITUATION..MY MOTHER PASSED AWAY XX/XX/XXXX, COUSIN XX/XX/XXXX, XXXX XX/XX/XXXX, AND MY OTHER COUSIN TRAGICALLY XX/XX/XXXX. I HAD A ROUGH LAST YEAR AND I WAS FINANCIALLY GOING THROUGH A TOUGH TIME, AND WAS PAYING CONTINUOUSLY ON IT AND WAS TOLD BY XXXX XXXX XXXX REPS THEY WOULD HELP ME AND WOULD TAKE THIS OFF MY BILL AND ISSUE ME CREDITS AND THEY CLAIM THEY WOULD BUT THE NEXR MONTH THEY WOULD JUST ADD LATE FEE OR WHATEVER FEE BACK TO ACCOUNT SO BASICALLY DELAY THE PAYMENT WHICH IA DISCEPTION. I TOLD THEM TO CLOSE MY ACCOUNT AND THEY WERE RELUCTANT AND TRIED TO OFFER ALTERNATIVES AND THREATENING THAT IF THEY DO SO I WOULD HAVE TO RESTART OVER AS IF I NEVER PAID AT ALL. SAY IF I OWED LIKE XXXX ON THE CONTRACT THEY WAS STATING I WOULD HAVE TO PAY {$1800.00} ] IF ITS CLOSED. I WAS PAYING FROM MAY XXXX XXXX ALL I WANTED WAS MY BILL TO BE CUT IN HALF BECAUSE I DIDNT HAVE THE SAME INCOME ANYMORE AND MY REPRESENATIVE PAYEE PASSED AWAY AND MY FUNDS IN HER BANK ACCOUNT WAS HELD FOR A MONTH WHICH DELAYED ME PAYING BILLS SO I WAS BEHIND FOR A MONTH AND ONCE I CAUGHT BACK UP IT TOOK 2-3 MONTHS. I EXPLAINED THE SITUATION TO XXXX XXXX XXXX. THE BILL I RECEIVED WENT FROM {$400.00} TO LIKE {$1300.00} TO XXXX I HAD PROOF OF ALL THE PAYMENTS AND CONFIRMED THEY SENT ME EVERY MONTH..I DONT THINK ITS FAIR THAT I HAVE TO RESTART OVER. I GAVE THEM MONEY XXXX. I EVEN WANTED TO PAY THEM OFF IN XXXX WHEN I HAD THE MONEY TO BECAUSE THEY SAID I ONLY OWED 2 MORE PAYMENTS ON THE PHONE BILL SO THAT WOULD BE LIKE {$300.00} AND SOME DOLLARS. IF THEY CANT GUVE ME A LOWER PERCENTAGE THAN XXXX THATS ALOT. ITS A RECESSION RIGHT NOW, I RECEIVE XXXX AND THEY SOLD MY DEBT TO CREDENCE RESOURCE A DEBT COLLECTION AGENCY. I HAVE NO CONTRACT WITH CREDENCE RESOURCE. EVEN IF THEY TRY TO VALIDATE THAT CAN THEY PROVE I OWE {$1800.00} AFTER IVE PAID PROBABLY OVER XXXX 'S ALREADY.? I HAVE RECEIPTS I WILL SCREENSHOT THEM. I NEVER DISAGREED TO PAY EACH MONTH I ONLY TOLD THEM AROUND XXXX OR XXXX TO HELP ME GET CAUGHT UP AND MAKE BILL LOWER THEY REFUSED. THEY DONT CSRE WHAT A CUSTOMER GOES THROUGH LONG AS THE WHOLE BALANCE IS PAID IN FULL.
12/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07304	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Credence Resource Management & BAL. {$910.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .CREDENCE RESOURCE MANA bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60543	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDENCE RESOURCE MANA bal. {$520.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CREDENCE RM bal. {$970.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
08/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30143	Web	Older American
I have been corresponding to XXXX/XXXX for slightly over a year re a disputed charge - several phone calls and multiple escalation letters. The circumstances surrounding the dispute, in a nutshell, are as follows : 1 ) When I ordered XXXX at the subject location, I specifically stated that I wanted XXXX equipment capable of displaying 4K resolution programs. 2 ) I wasn't aware until a few months later, after I purchased/installed a 4K capable tv, that the equipment which XXXX had installed was NOT 4K capable and, per XXXX, they needed to replace the primary receiver with a 4K capable one to which I agreed since this was what I requested per the initial XXXX service order. 3 ) Upon replacement of the non-4K receive with the 4K receiver, I signed paperwork not knowing that I was, in effect, committing to a 2-year contract extension, as the XXXX service technician did not explain such. 4 ) In the XX/XX/XXXX time-frame, due to incredibly poor customer service and extremely limited 4K programming, I replaced XXXX with XXXX and cancelled the XXXX account. 5 ) XXXX customer service was very irritated and threatened me with a {$200.00} cancellation fee if I cancelled to which I responded my disagreement with such given the above circumstances ; however, they refused to drop their demand that I pay the cancellation fee. 6 ) Soon thereafter, I received a statement from XXXX indicating that I owed {$200.00} - i.e., the {$200.00} cancellation fee and {$3.00} for prorated services. 7 ) At that time, I wrote the first of five escalation letters indicating that I did not agree, under the circumstances, that I owed the {$200.00} cancellation fee but that I had no issue with the {$3.00} prorated service fee. I included a check for the {$3.00} with the letter which was subsequently cashed by XXXX and which cleared my bank account on XX/XX/XXXX. ( See attached processed check ). 8 ) I continued getting pressed by XXXX to pay the {$200.00} amount even though they had cashed my {$3.00} check but yet they refused to show credit for such on their subsequent statements! Even as of today, XX/XX/XXXX, XXXX states that I still owe a balance of {$200.00}! 9 ) I subsequently wrote several other escalation letters but never received a reply from XXXX. 10 ) On XX/XX/XXXX, in the spirit of trying to bring this issue to closure, I wrote my final escalation letter to XXXX ( attached ) pointing out once again that they had already been paid the {$3.00} even though their statements didn't show such PLUS I offered to meet them half-way ( as had been suggested to me by a XXXX Customer Service Rep in a call weeks before ) - i.e., I would pay half the {$200.00} cancellation fee if they would credit me for the other half. I felt this was a fair proposal given that the XXXX technician who installed the 4K receiver and I obviously didn't communicate well and, as such, I didn't know that by installing that equipment I was committing to a 2-year contract extension. As of today, XX/XX/XXXX, I still have not received a reply from XXXX to my XX/XX/XXXX, letter - which is over 9 months since they received my letter! However, a few months ago, I don't recall the date, I received a letter from a credit collection company stating that they were contracted by XXXX to collect the {$200.00} amount which XXXX stated that I owed on my account. I immediately called the collection company and explained the situation as described above. The collection company agent was very courteous, apologized for any misunderstanding, assured me that she would document our call and that I should hear back from them in the near future. However, as of yesterday, XX/XX/XXXX, I received an alert from the XXXX credit bureau that my credit score had just dropped 43 points due to a negative report received from Credence Resource Management - the credit collection company hired by XXXX. I immediately called Credence and once again explained the situation as described above. The collection company agent escalated our call to her supervisor where I had to again describe the situation and my frustration that it had reached this level where it was now being reported to the credit reporting agencies, that I had offered to resolve the issue over 9 months ago and that I never received a response from XXXX, etc. The supervisor was courteous, sympathetic, and apologetic, and offered to settle the issue for an amount of {$100.00} which I agreed to and which I paid via my bank checking account during the call! The frustrating thing about this whole situation is that XXXX ignored my XX/XX/XXXX, proposal to 1 ) acknowledge that I had paid the undisputed charge of {$3.00}, and 2 ) accept a settlement of {$100.00} for the disputed {$200.00} cancellation penalty charge. Instead, XXXX turned this over to a debt collection company which, in turn, reported to the credit bureaus that I had refused to pay the {$200.00}! They have now ruined my credit rating which was an almost perfect score beforehand ( Excellent rating which has now dropped 43 points overnight to Good rating )! And this comes at a time when I'm considering refinancing my home which, with the lower credit rating score, will result in my having to acquire a mortgage at a less than favorable interest rate costing me thousands more over the years to come! Lastly, it's VERY important to know that I have been a loyal XXXX customer for over 20+ years, currently have 5 other XXXX accounts ( 2nd home and 4 vacation rental properties ), have NEVER missed a payment and have NEVER been late in making a payment! XXXX can attest to these facts!
11/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 088XX	Web
Credence Resource LLC has communicated to collect {$620.00} which according to them the amount I owed to XXXX for cancelling the contract and non-return of equipment. I disputed the debt because the installation did not happen and there was no equipment to return. I called XXXX many times and got passed on to at least 4 customer rep but it took really a long time staying on the phone and having to call back when the call is cut-off and do all-over again my request for them to check their records. I have communicated to Credence by email many times to request XXXX to provide the information on the name of technician, the date the installation happened, and the serial number of equipment. The only response I have been getting was XXXX said the debt was valid. How can I pay a service that has not happened? I am disputing the validity of the debt that is being referred to Credence Resource Management LLC by XXXX XXXX for collection. My reasons are : 1. The installation never happened and I do not have the receiver that was charged {$99.00} on the bill. 2. I called XXXX XXXX to cancel the service. 3. I called XXXX XXXX about 4 times to dispute the charges because the installation never happened. I asked the person to come and actually check my house to verify that there was really no installation done. XXXX XXXX usually install antenna on the roof top and if someone can only come and actually check, theyll find out that the service was never installed. 4. XXXX XXXX cancellation policy states that a full refund is given if the order is cancelled prior to installation ( see below at the end of the message ). 5. I paid {$47.00} for mis-understanding that XXXX XXXX has accepted my notification and charged as final balance as a result of my call. 6. I am still requesting that XXXX XXXX comes to my house and verify if I really had the service. XXXX XXXX can also verify my tv service from XXXX for many years now. 7. I am requesting XXXX XXXX to provide a copy of document signed by me acknowledging the installation was completed. 8. XXXX XXXX must investigate the technician on where the equipment has gone. 9. XXXX XXXX must trace the address that used the receiver that it claims was provided to my address. In addition, I would like to offer the following explanations on circumstances that led to this XXXX XXXX service and why I will not allow the installation on the roof of my house : 10. On or about XX/XX/XXXX, I went to XXXX Store at the XXXX XXXX XXXX XXXX to buy my daughter a new XXXX. The Salesman checked my phone bill and convinced me that I could have a lower bill and at the same time get a new second XXXX at no charge after seeing that another one of my line was already eligible for upgrade. I asked whats the catch? Will I be tied to the contract and he said no. 11. He started giving me calculations and even when I told him I didnt need a second XXXX he said its free. The deal was including XXXX XXXX. I told him I already have a TV provider, XXXX, and I dont want any antenna installed on my roof. I said it he can sign me up for just a streaming service, that will be good. And he said along with his Manager, that they can make it streaming. So I agreed to sign-up and signed whatever he had on his XXXX. He did not explain each page on the XXXX that I signed and I was already tired from selecting phone, waiting, and having to listen to his sales pitch. My payment seems to have included {$19.00} for XXXX XXXX service activation fee. 12. When we came back to the house, there was a text from a technician on installation appointment date. 13. Then the salesman also texted me and said that streaming online is now available. 14. The next day another I receive another installation confirmation date. 15. The installation never happened. No one came to my house to install anything or leave a receiver. 16. I had difficulty with the instruction for streaming that the Salesman texted. I also saw the preliminary list of the total charges as a result of the phone upgrade and it came to more than {$600.00}. Also, I noticed a new phone number, a 6th line, that the Salesman didnt tell. So I called the XXXX store to complain and they said that the bill will be adjusted when the actual bill comes and they assured me that it will really be lower than the monthly I was paying. I wasnt comfortable so I called XXXX customer service to verify my actual phone billing. The kind lady helped me fixed the charges of my existing phone lines but couldnt do anything on the new phone line. She said I have to go back to the store to cancel it. I went back to the store and they said it can not be cancelled because it carried the 2nd new and free XXXX in that account and if I cancel, I have to return the phone. I already have many personal information on that phone so I decided not to do anything so long as my bill remains the same as it used to be. Later on after few months, I was able to get help in cancelling the 6th line by phone from another XXXX customer service after I fully paid the 2nd XXXX.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22310	Web
This complaint is being lodged against Credence Resource Management for unfair debt collection practices and violations of the Fair Debt Collection and Fair Credit Reporting Act. After multiple attempts to work with the creditor to verify with original contractual documentation containing a signature from me to validate that this debt belongs to me, I have received nothing other than an itemization of charges. Despite my continued and specific requests to Credence for such information as is required under the law I have not been provided any relevant information ; however, the creditor continues to " verify '' the information as accurate and report the unverified information on my credit report. In XX/XX/XXXX I received a notification that a new item was added to my credit report for Credence Resource Management for a debt in the amount of {$870.00}. I checked my report and it was listed as a collection account with the original creditor being a XXXX XXXX XXXX XXXX. I have never had any dealings with Credence Resource Management or any XXXX XXXX or affiliates. As I was not notified in any form of communication that this debt was outstanding prior to the information being added to my credit profile to allow me to dispute the information, I immediately identified their contact information as listed on my credit report and sent them a letter requesting validation of the debt they were pursuing in addition to how it was calculated, copies of the original contract with my signature and their licensing information as a debt collector in my state. In XX/XX/XXXX I received a response from Credence Resource Management with an account notification letter and an account summary that consisted of itemized statements and nothing else. I was NOT provided with any original documentation with my signature to show that I owed the debt or contractual proof that it was in fact me or an authorized representative that entered into any agreement or contract with Credence or said XXXX XXXX XXXX Additionally, I was not provided with any documentation that Credence was licensed to collect in my state or their license number as requested to ensure they were even licensed to collect such a debt. In XX/XX/XXXX I again sent a follow-up letter to Credence Resource Management to notify them that they did not satisfy my request for validation of the debt and that an itemized statement does not demonstrate the assignment of this debt to me. I have had several cases of mistaken bills being assigned to me without my knowledge or consent and I again reiterated to the company that I did not enter into such a debt and that they were erroneously reporting this unverifiable debt to me and requested its removal. I demanded that the items either be properly and lawfully validated or removed immediately. Again, the response from Credence Resource Management with an account summary that consisted of itemized statement or bill and nothing else. In late XXXX after not receiving satisfactory documentation to validate the debt I filed a formal dispute with the credit bureaus. The credit bureau states that they request the reporting company to verify the accuracy of the information that is being disputed. In XX/XX/XXXX, Credence Resource Management " verified '' the information as accurate to the credit bureaus after at least 2 communications with me whereas I vehemently protested to the validity of the information and expressed that the debt did in fact NOT belong to me and not being provided with any legal documents that would validate the debt and demonstrate that it belonged to me whatsoever. Additionally, their response indicated that my dispute was not specific, however my dispute and letters were very specific in my request for documentation, validation and information to prove that this debt was in fact mine. I have attempted amicably to resolve this situation with the debt collector to restore my good name and credit from this tarnish upon my record. I attest that I do not nor have I ever had any account or dealings with Credence Resource Management, any subsidiaries or any XXXX XXXX XXXX XXXX My rights under that law are clear that I am entitled to receive an original agreement, contract or agreement with my signature as evidence to show that it was in fact me that agreed to the debt that has been assigned to me. And if the aforesaid, Credence Resource Management, is not able to provide anything other than an itemized statement I demand that my rights be upheld and this erroneous record be immediately removed from my credit record, all credit reporting agencies and not reinstated at any time in the future. ENCLOSED : My letters to Credence Resource Management from XXXX and XXXX, the letters I received from Credence in XXXX and XXXX, the results of my dispute of this item on my credit report
09/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29607	Web
Hello : I need assistance or advice in how to address this issue with XXXX XXXX XXXX please : On the below dates I corresponded with a collection agency to dispute an illegitimate charge against me and the dispute was not accepted by the XXXX company, without explanation as to any reason. I am willing to obtain legal help if necessary, to keep this from being placed against my credit. Could you please advise me as to how to handle this situation? XX/XX/2019 I am disputing this XXXX XXXX XXXX account # XXXX for the following reasons : 1. I have called approximately 8 times to discuss this bill with the Billing Department at XXXX XXXX XXXX and have spoken to XXXX in the Collection department there at least 1 time on XX/XX/2019. XXXX said that she was switching me back to the Billing Department, because, you dont need to talk to collections. This needs to be handled by billing, because I am looking in the record and I see that you do not owe this bill. I was switched to a XXXX, in Billing, who said that the case had been closed, but she was reopening it and sending to someone for resolution, and I would hear something in 24-48hrs. Needless to say, I did not hear anything back. I have been given several adjustment case numbers since this started in XX/XX/2019 : CM XXXX ; CM XXXX 2. On at two of these many occasions, I was told to go back to the store and ask that they put in a Tracking Number for the phones. Therefore, I first visited the office on XX/XX/19 and turned the equipment in to them. That time, I spoke with Cashier, XXXX XXXX, Cashier Drawer XXXX, Transaction ID XXXX. I received a bill, so I called XXXX Billing and spoke with XXXX, on XX/XX/19. I was told by XXXX to go back to the store where I returned the two phones and get them to, notate the account because the return is not showing in the XXXX system. I got to the store and I was told that the problem had to be with me porting my phone numbers back and they would take care of it, because I had initially ported those numbers from XXXX to XXXX and I just took my same phone numbers back. Well. I received more bills, and when I again called XXXX Billing, I was told to go back to the store again, so off I went. This time ( XX/XX/2019 ), I spoke with XXXX XXXX, Assistant Sales Manager, XXXX XXXX XXXX XXXX. He apologized and explained that my record was not showing me owing a bill. He turned the computer monitor around and showed my account record to myself and my husband, and said, see, you can look right here and it shows a XXXX balance. He also said that I should not worry about any bills received from XXXX XXXX XXXX because the system would probably continue sending them for a while longer, so just ignore them. 3. The contract that I signed explicitly said that that if I wanted to cancel the service contract and return the equipment, I could do so within 14 days of the signing of said contract. I did decide to cancel this contract and returned the equipment within a 12 day period. I kept the phones and the service from XX/XX/XXXX to XX/XX/XXXX. I was told by one person in Billing that my claim for Buyers Remorse, had been denied and no explanation was given. She said she was going to re-open the case. Can someone PLEASE help resolve this.. XX/XX/2019 Hello, You have provided us with specific information regarding your dispute on the above account. We have investigated your dispute and as part of that investigation we contacted the creditor. The creditor believes that the charges on your account are valid. Please feel free to revert in case of any questions and concerns at : Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. Office Hours : Monday to Friday XXXX XXXX EST to XXXX XXXX PST Saturday XXXX XXXX EST to XXXX XXXX EST Toll free # XXXX. Sincerely, Credence Resource Management , LLC Calls to or from this company may be monitored. This communication is from a debt collector and is made for the limited purpose of responding to your dispute and is not an attempt to collect a debt. This communication and any data and/files attached to it contains information which is confidential and which may also be privileged. It is for the exclusive use of the intended recipient ( s ). If you are not the intended recipient ( s ), please note that any disclosure, copying, printing or use what-so-ever of this communication or the information contained in it is strictly prohibited. If you have received this communication in error, please notify the author then delete the presentation and its attachments together with any copies of it. Although this communication is believed to be free of any virus ( s ) which might affect any computer or IT system into which they are opened, it is the responsibility of the recipient to ensure that they are virus free.
08/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
on XXXX XXXX a collection was placed on consumer credit report for the amount of {$1900.00} by the collection corporation CREDENCE RESOURCE MANAGE, i never received a notice in the mail in regards to this false debt .i have submitted to notices for this company to validate this debt which has been placed on my consumer credit report as a natural person, by law i have the right to dispute and ask for validation, the company listed in this complaint has not provided me with NO documents at all to verify this false debt and this is a violation which can be penalized by {$1000.00} the max for each violation.this is also a violation to myright to privacy under FCRA which has been givin to me.the list of violations follow : 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692e.False or misleading representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
09/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84070	Web
I am writing this letter because I was told that I have to even though I was told that this issue was going to be resolved in XXXX of 2017. In XXXX of 2017 I had a receiver stop working and when I called to try and have the problem fixed I was told that I would have to either pay to have a technician come out or agree to a new two-year contract to get new equipment. Having been a loyal customer for five years I did not like the two options that were given to me and decided to cancel my service as I was knew I was not bound to any contract at that point. I was then sent a box to return two receivers. I actually had three receivers at the time and decided to return all three. After this, I told my wife to shop around for a new TV service and she did and ended up signing up for XXXX again. A few weeks later I received a bill in the mail saying that I did not return my receivers so I gave you guys a call to clear up the matter. I spoke with an extremely nice man from Arizona that said that the bill had been sent out before the receivers had been received and that it would be resolved no problem. At this time he noticed that my account had been deactivated and that another one had been opened in my wifes name. He said that since I had been such a good customer that he would be able to merge our accounts together in order to get us some really good deals so I agreed. He got most everything set up and then said he had to transfer me to what I believe was an account specialist and this is when everything turned south and where I believe this whole problem is stemming from. I was then transferred to and incredibly rude young man that said merging accounts was not possible. So I told him thats what I was just told by the previous employee and he refused to look into it. Because of this I told him to cancel everything the previous employee set up if he wasnt going to do what I was quoted. After this I was under the belief that things were just going to be like what my wife set up. About a month after this ordeal I received another bill. I called again and eventually talked to a very helpful woman and she supposedly got to the bottom of it when I explained the whole situation. She also told me that merging accounts was in fact possible and that the rude young man I spoke to was in the wrong. I spent over an hour on the phone and she told me that she had it all figured out and that I would be receiving another bill but to just disregard it. Once again I figured this matter would be taken care of. About another month later I received another bill. Once again I had to waist a considerable amount of time explaining the exact same situation to multiple people. Once again I was told that this matter would be resolved but I was reluctant to believe it so I asked for a phone number that I could call if not and so she gave me the number XXXX and a pin of XXXX. I just received a letter from collections in the amount for the bill I have been receiving. I called today to figure out what was going on and tried using the phone and pin number I was given but it did not work and I was told that the bill was for an early termination fee and that the only way to deal with the matter was to send a hand written letter to the XXXX disputes address. I dont know how could possibly receive a bill for early termination when I was with the company for 5 years and no longer under contract and now that my wife is signed up and still paying her bill. The phone number that was on this account that was supposedly terminated early wasnt even correct so I dont know how it got created in the first place. I then gave the correct phone number and I was told that I would receive a call back from a supervisor, which not surprisingly did not happen. On the collections letter I received it said that I could call a number within 30 days to dispute the claim and that otherwise it would be assumed as valid. So I called to tell them that I was disputing the bill and the man tried to talk me out of it and was very difficult to understand but I believe he was trying to tell me that I was in the wrong when I have no doubt he did not understand the situation. This whole experience has been extremely frustrating and is now causing me great stress and anxiety over my credit getting dinged. I have never missed a payment in my life and have worked very hard to achieve a high standing credit rating. I have also wasted a considerable amount of time that I do not have a lot of, especially for dealing with situations that should not take this much effort to resolve. I have absolutely zero doubt that when the monitored phone calls are reviewed that it will be determined that I am telling the truth of what happened
09/18/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76018	Web
I received my first call from Credence Resource Management ( hereafter referred to as XXXX ) approximately XX/XX/XXXX, regarding an outstanding XXXX XXXX XXXX XXXX balance owed for cable, internet, home telephone for a combined XXXX XXXX XXXX XXXX account. Before I began to make any payments, I asked to see a final bill as I never received one from XXXX XXXX XXXX. Please note, I would receive several calls from different on the same day. On more than one occasion, while on an active call with a XXXX Representative, I would receive another call on my open line. I would explain that I was on the line with one of their Representatives and that one call per person a day should be sufficient. However, my concerns were ignored. After many discussions with both XXXX XXXX XXXX and XXXX, this bill was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received another call about a XXXX XXXX account in the amount of {$90.00}. After spending 2-hours on the telephone with XXXX explaining this was not my bill and being called a Liar, I immediately contacted XXXX XXXX XXXX. XXXX XXXX XXXX had no record of this charge. I then telephoned XXXX again to let them know what I had been told by an XXXX XXXX XXXX XXXX. I was told it was in my name and SSN # and was expected to pay. I was talked to as if I was a criminal. To be called a liar by someone who is only there to collect a debt is unfathomable. I continued to get telephone calls from XXXX, even after telling them to not contact me anymore about this bogus bill, they still continued to harass me until they received confirmation from XXXX XXXX XXXX that this was not my debt. Great, I thought no more calls from XXXX. I was wrong. XX/XX/XXXX, I called XXXX to find out why there have been XXXX {$50.00} charges taken from my checking account. These charges are dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX : another for XX/XX/XXXX and XX/XX/XXXX. This is a total of {$300.00}. This does not include the three payments for the above mentioned combined XXXX XXXX XXXX XXXX bill - which is paid in full. In speaking with a Manager named, XXXX XXXX, he explained that he was not sure what the charges were for and that I should call my bank to stop the payments. This should be against the law. They should know why they are taking money out of someone's account. However, he did explain there were three accounts in my name : ( 1 ) The Direct XXXX XXXX XXXX combined account, which was closed - paid in full. ( 2 ) The XXXX XXXX account, which was confirmed by XXXX XXXX XXXX that it was not my debt. AND NOW ( 3 ) an outstanding XXXX XXXX XXXX mobility Acct for {$600.00} for a mobile number XXXX. I WAS LIVID! First, because I've never owned this mobile number. Second, because he tried to convince me that I've paid on this cell mobile phone before. I immediately called XXXX XXXX XXXX. Again, XXXX XXXX XXXX had no record of me ever owning this mobile number. It appears since Ive paid the account for which I did owe, XXXX is trying to apply charges to me that I DO NOT OWE. I called and spoke with Mr. XXXX once again. He was then able to give me the account number for this outstanding debt. Acct # XXXXXXXXXX- which he could not give me at first ( I'm sure because he did not like my attitude. Nor did I like his ). Now, it's mid-morning. I've had to step away from my office yet again, to spend time explaining another outstanding bogus bill in my name. I then asked why I'd not been contacted for both the XXXX XXXX and mobile account prior to paying off the first account. Of course, he could not explain. I told him for the last time, DO NOT CONTACT ME ABOUT ANY BILLS REGARDING XXXX XXXX XXXX because they did not have any open accounts for me. Also, told him should XXXX have any outstanding bills with XXXX XXXX XXXX for me, they need to work with XXXX XXXX XXXX to reconcile their books to reflect what XXXX XXXX XXXX has. I later found out that Acct # XXXXXXXXXX is not for a mobile account. This was for an XXXX XXXX XXXX XXXX XXXX account that was paid and cleared with XXXX XXXX XXXX on XX/XX/XXXX. It's funny I've not heard one word about this account until XX/XX/XXXX. Im not sure what type of illegal business XXXX is operating, but this harassment needs to cease IMMEDIATELY. They can call and harass me about bogus charges but they still have not been able to tell me why 6 - {$50.00} charges have been deducted from my account. Please see all of the charges that XXXX has deducted from my account per the attached. They have taken another {$50.00} as of yesterday, XX/XX/XXXX. This is after I told them to STOP TAKING PAYMENTS FROM MY BANKING ACCOUNT for something they can't explain why. THIS IS THEFT!
12/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
On or about XX/XX/XXXX, I received a collection notice from Credence Resource Management ( CRM ) written notice as they require disputing the debt as invalid. Within a few days of each other in late XX/XX/XXXX, I received two notices from CRM : the first indicating they had contacted the creditor for additional information and the second, with absolutely no detail, indicating the creditor claimed the debt was valid. Below sets forth the reasons why the debt is not owed. On XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding my Internet service account, XXXX, to inform them I had closed the bank account I had been using for automatic payment deductions and to inform them of my new account. I was directed to a customer service center that was clearly not in the United States, where the XXXX XXXX XXXX representative proceeded to go over my payment details for this account. This XXXX XXXX XXXX representative inaccurately stated that my monthly payment for Internet service was {$70.00} per month. I corrected the representative and advised her it was {$30.00} per month and that this had been my monthly payment, which XXXX XXXX XXXX had been deducting without complaint or notice of change, for more than two years. The representative placed me on hold several times and then told me that the price was {$70.00} per month because I had discontinued XXXX service. I informed the representative that I discontinued XXXX service in XXXX, nearly two years prior to that time, and maintained only the Internet service that XXXX XXXX XXXX had been billing and receiving payment for {$30.00} per month since. It is important to note that XXXX XXXX XXXX never informed me that the Internet service was subject to a price increase and continued to process the automatic deduction for $ XXXX monthly for nearly two years. Of course, had XXXX XXXX XXXX ever attempted to more than double the price for this Internet service, I would have cancelled it immediately. At this point, I informed the XXXX XXXX XXXX representative that I had simply called to change my bank account information and that her repeated insistence that the price was more than double what I had been paying was going to instead result in XXXX XXXX XXXX losing my business. After a few minutes more of this intolerable customer service, the XXXX XXXX XXXX representative informed me she would transfer me to another customer service center. I informed her I would not wait to be transferred and directed her to simply cancel my XXXX XXXX XXXX Internet service. The XXXX XXXX XXXX representative protested and stated she was transferring me, and I advised her that I had now authorized her to only cancel my account immediately. Later that same day, XX/XX/XXXX, I received a voicemail from XXXX XXXX XXXX wanting to discuss my cancellation. Clearly, since all customer service calls are recorded and XXXX XXXX XXXX contacted me regarding such, XXXX XXXX XXXX was well aware of my direction to cancel the service. Somehow, within 30 days, on XX/XX/XXXX, XXXX XXXX XXXX sent me a bill for {$170.00} for Internet service and informed me that the service I demanded they cancel was suspended. On XX/XX/XXXX, XXXX XXXX XXXX sent me another Internet service bill for {$290.00}. ( Notably, XXXX & XXXX bills for XXXX and XXXX suggest they increased the Internet service to more than $ 100 monthly. ) Based on this interaction and egregiously awful customer service, I made a decision to also terminate all of my business with XXXX XXXX XXXX, which included my XXXX XXXX XXXX cellular phone service, account number XXXX. On XX/XX/XXXX, I transferred my cellular service to XXXX and discontinued my XXXX XXXX XXXX cellular service effective immediately that day. However, XXXX XXXX XXXX somehow did not make this connection and continued to attempt to bill me, sending a bill on XX/XX/XXXX for {$380.00} and threatening to suspend the cellular service that I had voluntarily disconnected and transferred on XX/XX/XXXX. It is important to note the disconnect between XXXX XXXX XXXX website and their billing department ; immediately after transferring my service to XXXX, I was unable to log into my XXXX XXXX XXXX account. Clearly, XXXX XXXX XXXX was well aware I had terminated service, yet continued to attempt to bill me for a service they were not providing. At the time I transferred my service to XXXX, my cellular balance was {$0.00} as I had made an XXXX XXXX XXXX cellular service payment on XX/XX/XXXX in the amount of {$150.00}. I had a XXXX balance at the time I transferred my cellular service to XXXX.
01/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30045	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Account # XXXX {$230.00} To Whom It May Concern : This account already been disputed and removed by XXXX XXXX XXXX XXXX XXXX so this information is inaccurate and must be removed, I copy of a previous responce will be attached to this complaint. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail.
10/12/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
in XX/XX/XXXX, my contract with XXXX XXXX was about to expire and I was moving to a new address. When I notified XXXX XXXX that 1 ) i was moving, and 2 ) i would not be renewing the service, they did the following : a ) refused to move the service from the old address-XXXX XXXX XXXX, XXXX, and b ) refused to give authorization to return their equipment. Many unsuccessful phone calls followed in which I was transferred to different departments to try to get me to keep the service. I refused all, and they refused to acknowledge my request to return equipment. 1 year passed, fast forward to XXXX, and in XXXX of XXXX, I discovered that I could return the equipment via XXXX, which I did. I received email from XXXX XXXX that the equipment was received, and that was that for me. I never got anything else from them. Fast forward to Saturday XX/XX/XXXX, I went to the XXXX XXXX XXXX store to make changes on my account ( i have been an XXXX XXXX XXXX customer for 25 plus years ) and was told no changes could be made because I owed some money, and I was given a number to call XXXX XXXX XXXX XXXX XXXX. I called the number because according to the customer service person at the XXXX XXXX XXXX store, XXXX XXXX had attached a XXXX $ plus bill to my account. So I called XXXX XXXX and got the run around. The first person I talked to refused to give me his name, told me he didnt have to, and said he could not help me, so i hung up. Next day, Sunday, the XXXX of XXXX I called again, and once more I got someone who listened to my inquiry, which was, why are you adding a bill to my XXXX XXXX XXXX bill? what is it for? This new person, who said his name was XXXX, told me that the account was in collections. I told him this was news to me, and I requested to speak to a supervisor. Another 20 minutes of being told I could not speak to a supervisor. But upon my insistence my number and a message was left. Then I hear absolutely nothing, so on Monday XX/XX/XXXX, I called XXXX XXXX again, and this time I got a girl who told me that my account was with a company called Credence and she gave me a number to call them. I called and got a fast talking guy, whose name I still do not understand. He told me that the charges were for early termination and an old bill. I told him I did not early terminate anything, that XXXX XXXX refused to move my service when i moved, and then refused to take the equipment back. He verified that the equipment was back, and told me he sees that I am not at fault, and he would offer me a reduced payment of XXXX to go away. He wanted payment right away, and I told him I would consider his offer when I receive it in writing. He then transferred me to another fast talker who said he was a supervisor and said the same thing. I told him I wasn't agreeing to anything until I got it in writing. I verified they have my mailing address. I ended the call. On XX/XX/XXXX they called me again from a different number, XXXX seems it may be a voice over number, anyway the person wanted to know if I got their mail, no I had not. I told them when I get their mail I would contact them. I checked my mailbox every day and nothing. Today, XX/XX/XXXX, they called again from a different number XXXX and as soon as he identified where he was calling from, I told him I having no conversations with them until their offer is received in writing. I believe these people are not only harassing me, but hustling me for money I do not owe. I really want them off my XXXX XXXX XXXX account, and am really disappointed that XXXX XXXX XXXX told me they could not handle this issue since its XXXX XXXX. I am willing to pay them some fall amount to get them to go away, if nothing else works, but it is ridiculous that after 2 weeks, I got 1 call one day from XXXX XXXX XXXX, about a supervisor calling me back, but I could not talk as I was at work. I want this removed, cleared up, marked paid in full and taken off my XXXX XXXX XXXX account as this was around before XXXX XXXX XXXX and XXXX XXXX connected, plus no one, no one at either company would tell me when they actually wrote me about this. They have sent me zero mails, and the only email I got was to acknowledge receipt of equipment returned in XXXX. I want this to go away 3 weeks ago.
02/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30082	Web
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. I request your offices provide me with competent evidence that I have any legal obligation to pay you. 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is required. Henceforth, I will also inform you that you have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ), this may constitute Fraud under both Federal and State Laws. So, if any negative mark is found on any of my credit report by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can deliver all proper documentation as required in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, I will consult with my Legal counsel for suit. This will include any listing of any information to a credit reporting repository that could be invalidated. In case of any failure to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately Sincerely,
07/08/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 902XX	Web
On XX/XX/XXXX at XXXX, I received a call with a recorded message stating as follows : [ quote ] This message is intended for ... ... ... ... ... ... ... ... ... ... ... .., please be advised this is your final notification in regards to a formal complaint thats to be processed and released out to your local jurisdiction against you. We will be contacting your human resources department for wage assessment and employment verification. This complaint names you as a respondent, and it is attached to your name and social. It is imperative that I speak with you or your legal representation to address the pending allegations and get a statement of defense from you. Your failure to respond will result in the forfeiture of your rights to dispute the matter and a case will be processed against you. Please contact our office at XXXX. Again that number is XXXX [ unquote ] I returned the call, and was told by 'XXXX ' that she was the 'mediation department ', and there was a complaint filed against me by XXXX XXXX for a delinquent mastercard dating back to XXXX. I told her I had no knowledge of what she was talking about, and denied her claim. She proceeded to tell me that I would be taken to Court, my wages would be garnished, and my property would be lien 'd if I did not pay. The call ended there. I made several attempts to call back, but was sent directly to voicemail. I called again at XXXX XXXX and spoke to another party who did not reveal her name, but told me she worked for Credence Resource Management ( CRM ). She updated the previous information from her colleague, by informing me that the XXXX credit card was a 'visa ' card, and that the debt dated back to a delinquency in XXXX. I requested more detailed information, but she stated she did not have any, but I could ask the Court. I asked for the amount, and she stated it was around {$1800.00}. However, because of my previous call to her colleague 'XXXX ', she claimed my complaint had been processed and sent to Court for a judgment - that is, unless I wanted to pay her over the telephone via credit card to stop it from happening. Again, I asked her to send me documentation supporting the 'complaint ', but she refused, claiming it had been sent already, and the next time I could view it was in Court. She ended the call by informing me that the call was being recorded ( after the fact ) and will be used against me in Court, and that I would receive a summons. I contacted my attorney, and we both called back together. He listened as I spoke with the same person as last, and she began berating me for asking for the same information as I had earlier 'sir, I already gave you all of this information when you called last time '. I then introduced my attorney, and she could not get off the call fast enough, accusing us of recording her without consent ( we were not recording the call ), and not previously advising that my attorney was present on the call. She hung up. My attorney immediately declared it was a scam, and that any notice could not legally be served over the telephone as Credence Resource Management attempted to do. I searched the company Credence Resource Management LLC online and found several hundred complaints filed against them. Most notably, ALL of the complainants state they never received any notice from this company as to the collection that was taking place, nor why. In every instance, Credence Resource Management LLC responded to the XXXX complaint by claiming that they had been sent a letter, and because no letters were ever returned to Credence Resource Management as undeliverable, they declared the complainant had ignored it, which gave them the legal right to proceed with judgment and credit report action to effectively ruin people lives. It is clear that Credence Resource Management NEVER sent letters to anyone, and hold themselves unaccountable because they are not required to add tracking to their outgoing notices to debtors to prove receipt. So they can simply lie. It's their word against everyone else 's. As a follow-up in an effort to prevent Credence Resource Management from damaging my credit and reputation, I have sent a Debt Validation request. If they do not return it complete, I plan to sue.
01/03/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85020	Web
On XX/XX/202XXXX XXXX XXXX XXXX released all telephone numbers associated with account number XXXX, authorizing XXXX XXXX to ported over my personal and business telephone numbers to XXXX XXXX the new service provider. Telephones numbers from prior providers have to be released in order to be ported to a new provider. On XX/XX/2022 a final payment for service was made tXXXX XXXX XXXX XXXX in order for those numbers to be released as shown on my credit card statement XXXX via autopayment. ( Documentation of all payment made to XXXXXXXX XXXX XXXX ). I continued to receive bills from XXXX XXXX XXXX for services that had been cancelled, transferred, and ported/moved. When contacting XXXX XXXX XXXX regarding the billing that showed no data, usage, or any of my numbers associated under their company as a service provider they continued to send fraudulent request for payment with blank statements attached. ( Enclosed ) The service was not only cancelled for all telephone lines, watches, and my alarm monitoring services, but final bills paid in order to activate service with new provider. All services with XXXXXXXX XXXX XXXX were cancelled on XX/XX/2022 and when contacted to return devices I was told to keep the digital life system and discard it. I contacted XXXX XXXX XXXX in early XXXX because I received a bill for {$180.00} for telephone service that were provided ; I requested an itemized list of charges because the individual that I spoke with was insistent that I had a balance when I contacted the company ; XXXX XXXX XXXX was unable to produce anything indicating that I had service with their company. I asked that XXXX XXXX XXXX call my phone number which would indicate that they had release the number to XXXX XXXX my new service provider and that I had made all payment via XXXX and that the final bill was received including the telephone number by which I requested they attempt to call. On XX/XX/2022, Ive requested another itemized list of charges be sent to me when calling XXXX XXXX XXXX again or cease and desist sending out threaten letters to cancel service that had already been transferred, I received nothing nor were any additional automatic payment removed from my credit card account. XXXX XXXX XXXX received payment on XX/XX/2022 in the amount of {$180.00} payment on XX/XX/2022 in the amount of {$180.00} and final payment on XX/XX/2022 in the amount of {$220.00}. Service was transferred to XXXX XXXX when the final payment was made and all numbers associated with my account were ported over to XXXX XXXX. ( Set them Enclosed statements plus XXXX XXXX request for numbers to be the release and to port on XX/XX/2022 ). XXXX XXXX XXXX provided false billing statements to an third party collection agency who has spent the last 3 months calling my telephone numbers harassing me. XXXX XXXX XXXX sold my information to this Credence Resource Management company who sent false, inaccurate, and incomplete information to the major credit bureaus who documented it as accurate on my credit reports dropping my XXXX score down XXXX points. XXXX XXXX XXXX reported this factually inaccurate information to Credence Resource Management whom forwarded it to XXXX XXXX and XXXX provided nothing supporting their assertion and doing nothing to confirm the information accuracy. XXXX XXXX XXXX sold the false information is still seeks to collect monies not owed. XXXX XXXX XXXX XXXX failure to report information has caused me great harm and Credence Resource Management failure to remove the negative information and restore my credit has resulted in me pursuing legal action against. I am filed a formal complaint against XXXX XXXX XXXX for the false information provided to the third-party collection agency. A cease-and-desist order was sent to Credence Resource Management to stop reporting the false and derogatory information to the credit reporting agencies in addition to making the harassing telephone calls multiple times a day ; the actions of both entities have impacted my XXXX XXXX, ability to confidently navigate my day to day business practices based on the false statements, inaccurate, and unsubstantiated information.
01/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30507	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Collection accountS : {$890.00} XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel XXXX sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XXXX XXXX XXXX notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX XXXX
02/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75134	Web	Servicemember
I received a notification from the Credit Reporting agencies CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX, MI XXXX had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed.
07/16/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 92116	Web
At issue : -Debt owed for ambulance ride on XXXX / XXXX /17 via XXXX XXXX XXXX -Amount {$2100.00} -Date XXXX / XXXX /17- XXXX / XXXX /17 -no advertising, no contract, no receipt for services. I received a call on XXXX / XXXX /2017 regarding a debt owed. The caller identified himself as a debt collector associated with Credence and identified the party owed as an ambulance company and the amount owed as {$2100.00}. Up until this call, I was unaware that there was ANY outstanding debt. I had been involved in an auto accident and was transported via ambulance to an emergency room on XXXX / XXXX /2017 ( the collections call came less than six weeks after the incident in which I had incurred the debt! ). On XX/XX/XXXX I told the caller that I would be happy to arrange payment, ( as I had insurance ) but that I had never seen an invoice or any other information about the debt ... no bill, no emails, no calls, nothing from the ambulance service or otherwise. I gave my address and asked the caller to send me an invoice showing the amount owed and who it was owed to. I was told that, at this time, that it would take 5-10 days for the invoice to arrive and asked if I would like to arrange payment in the meantime. At this point I was thinking that this was a scam. ( XX/XX/XXXX call time 2 minutes ) On XX/XX/XXXX I received another call from the same number and operator regarding the same debt. I informed him that I had not received the invoice and was not convinced that it was a legitimate debt. He again insisted that it was legitimate and that I arrange payment. He also insisted that I should have received the invoice even though he had initially indicated that it would take 5-10 days. I informed him that I had not and hung up. ( XX/XX/XXXX call time 6 minutes ) On XX/XX/XXXX I called my insurance company and the hospital that I had been taken to and neither had any record of an ambulance billing. I was eventually able to get the get the name of the ambulance service and contact them. ( XXXX XXXX XXXX XXXX ). I asked them to send me an invoice and was told that it had been sent to collections. ( Again, just 6 weeks after the incident had occurred ). On XX/XX/XXXX I also received a 3rd call from the same operator at Credence Collections. He again insisted that I had received the information I had requested ( I had not ) and again insisted that I arrange payment. ( XX/XX/XXXX call time 3 minutes ). From the time I had asked for Credence to send me an invoice, 6 days had elapsed and I had received 2 additional calls regarding collection of the debt! On XX/XX/XXXX I received 2 exact copies of the invoice I had requested in the mail, both of them date XX/XX/XXXX and both of them post-marked XX/XX/XXXX . If this is n't harassment I do n't know what is. I have reached out to XXXX XXXX and they have agreed to bill my insurance company as they should have. They had made absolutely no attempt to reach out to me, the hospital that I was transported to, or my insurance company regarding this matter, instead immediately sending an aggressive collections agency after me. My issue is both with with XXXX and their policy of sending customers to collections without having ever initially billed them or making a good-faith attempt at contacting them. AND with Credence for having clearly violated fair debt collection practices by incessantly contacting me about a debt that they had yet to send me an invoice on after I had requested said invoice. I believe that a resolution of the debt is in the works, via XXXX and My insurance company. I would like to see Credence made aware of, and/or fined for their incessant, aggressive, and illegal attempts at collecting this debt ( having been asked for an invoice and not immediately sending it as well as not allowing time for it to be received ). Attached is the FIRST and ONLY written communication that I have EVER received regarding this matter.
07/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92116	Web
At issue : -Debt owed for ambulance ride on XXXX / XXXX /17 via XXXX XXXX XXXX -Amount {$2100.00} -Date XXXX XXXX /17- XXXX / XXXX /17 -no advertising, no contract, no receipt for services. I received a call on XXXX / XXXX /2017 regarding a debt owed. The caller identified himself as a debt collector associated with Credence and identified the party owed as an ambulance company and the amount owed as {$2100.00}. Up until this call, I was unaware that there was ANY outstanding debt. I had been involved in an auto accident and was transported via ambulance to an emergency room on XXXX / XXXX /2017 ( the collections call came less than six weeks after the incident in which I had incurred the debt! ). On XX/XX/XXXX I told the caller that I would be happy to arrange payment, ( as I had insurance ) but that I had never seen an invoice or any other information about the debt ... no bill, no emails, no calls, nothing from the ambulance service or otherwise. I gave my address and asked the caller to send me an invoice showing the amount owed and who it was owed to. I was told that, at this time, that it would take 5-10 days for the invoice to arrive and asked if I would like to arrange payment in the meantime. At this point I was thinking that this was a scam. ( XX/XX/XXXX call time 2 minutes ) On XX/XX/XXXX I received another call from the same number and operator regarding the same debt. I informed him that I had not received the invoice and was not convinced that it was a legitimate debt. He again insisted that it was legitimate and that I arrange payment. He also insisted that I should have received the invoice even though he had initially indicated that it would take 5-10 days. I informed him that I had not and hung up. ( XX/XX/XXXX call time 6 minutes ) On XX/XX/XXXX I called my insurance company and the hospital that I had been taken to and neither had any record of an ambulance billing. I was eventually able to get the get the name of the ambulance service and contact them. ( XXXX XXXX XXXX XXXX ). I asked them to send me an invoice and was told that it had been sent to collections. ( Again, just 6 weeks after the incident had occurred ). On XX/XX/XXXX I also received a 3rd call from the same operator at Credence Collections. He again insisted that I had received the information I had requested ( I had not ) and again insisted that I arrange payment. ( XX/XX/XXXX call time 3 minutes ). From the time I had asked for Credence to send me an invoice, 6 days had elapsed and I had received 2 additional calls regarding collection of the debt! On XX/XX/XXXX I received 2 exact copies of the invoice I had requested in the mail, both of them date XX/XX/XXXX and both of them post-marked XX/XX/XXXX . If this is n't harassment I do n't know what is. I have reached out to XXXX XXXX and they have agreed to bill my insurance company as they should have. They had made absolutely no attempt to reach out to me, the hospital that I was transported to, or my insurance company regarding this matter, instead immediately sending an aggressive collections agency after me. My issue is both with with XXXX and their policy of sending customers to collections without having ever initially billed them or making a good-faith attempt at contacting them. AND with Credence for having clearly violated fair debt collection practices by incessantly contacting me about a debt that they had yet to send me an invoice on after I had requested said invoice. I believe that a resolution of the debt is in the works, via XXXX and My insurance company. I would like to see Credence made aware of, and/or fined for their incessant, aggressive, and illegal attempts at collecting this debt ( having been asked for an invoice and not immediately sending it as well as not allowing time for it to be received ). -Attached is the first and ONLY written correspondence that I have ever received regarding this matter.
02/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30052	Web
CREDENCE reported a collection on my account without verifying the debt. THAT IS ILLEGAL. I submitted a letter to them to VERIFY THE DEBT. They told me that this debt was in XXXX which was 3 years ago. In the state of California the statue of limitations is 2 years. I asked them for the following to provide to verify the debt. Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
02/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 21207	Web
Dear Credence Resource Mangement : I am responding to your contact about a debt you are trying to collect. You REPORTED to XXXX, XXXX, AS WELL AS XXXX, on MULTIPLE DATES and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. Thank you for your cooperation.
10/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33418	Web
XXXX is trying to collect {$770.00} on an account that has been on disaster suspension since XXXX of XXXX. My husband, XXXX XXXX, and I placed our XXXX XXXX account ( XXXX Account No XXXX ) on a Disaster Suspension on XX/XX/XXXX, after an XXXX feeder line that runs along a canal in my community disconnected and sent the full charge through my home the evening of XX/XX/XXXX. The electrical current was so strong that it blew fixtures off our home inside and out, melted parts of the metal fence and screened enclosure attached to our home, started a fire in the yard and created a smoldering hotspot in our attic that. XXXX pulled the meter from the home that night, the home has been uninhabitable ever since - and remains so as I write this. The disaster suspension was to expire in XX/XX/XXXX, but no repairs had been authorized at that point, so I called and requested it be extended, which I was told was approved. I called again on XX/XX/XXXX after seeing a charge on the suspended account and, again, requested the disaster suspension be extended. I spoke with a XXXX XXXX agent named XXXX who gave me a case ID of XXXX and said the suspension would be extended another 6 months - through XXXX of XXXX while we awaited for some movement from our insurer or the courts on the status of repairing our home. I provided the following supporting documentation to that effect : - The XXXX XXXX Police incident report ( XXXX ) - The XXXX XXXX XXXX incident report ( XXXX ) - The hotel receipt from the XXXX XXXX - XXXX XXXX ( XXXX ), - The 3-month lease for the second place we had to move while we waited for repairs to begin ( XXXX ) - The year lease ( which we are currently still in ) for the third place we have had to move while we continue to wait for repairs to be authorized from our insurer ( XXXX XXXX XXXX XXXX XXXX XXXX ) - The video inventory confirmation of the return of the items taken for testing by the engineering firm XXXX XXXX - XXXX XXXX XXXXXXXX - The official Mediation Summary from our attorney, XXXX XXXX XXXX filed from XX/XX/XXXX in preparation for court-ordered mediation in reference to the lawsuit we had to file to compel our insurer to honor the claim filed more than a year ago ( Mediation Summary ). Further documentation of the event that left our home uninhabitable includes : - The claim number with XXXX XXXX and XXXX is XXXX - The XXXX claim number on this case is XXXX - The XXXX account ( Account No. XXXX ) for XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX was closed on XX/XX/XXXX - The lawsuit filed in the 15th Judicial Circuit in XXXX XXXX XXXX, Florida on XX/XX/XXXX -- the case number is XXXX I returned the XXXX XXXX equipment via XXXX as instructed in XX/XX/XXXX. I received an email XX/XX/XXXX from XXXX that XXXX 'creditor believes that the charges on your account are valid '. The charges are not valid and could not possibly be, as the home has been uninhabitable and without electricity since XX/XX/XXXX, the account was on disaster suspension ( and extended ) and XXXX confirmed to Credence that their equipment was returned. I am providing all of the same documentation here that I supplied to Credence, which they said was sent to XXXX. I am also including the post-incident appraisal of the property from XXXX and XXXX ( XXXX ) from XX/XX/XXXX, which shows the then - and current - unoccupied state of the home. The video link above ( XXXX XXXX XXXX XXXX XXXX XXXX ) is from XX/XX/XXXX when I had to make a video in the property to verify the chain of custody of the items taken for testing after the event by the engineering firm XXXX XXXX. It is hard to understand how any confusion about this account could have arisen, but I will promptly provide any other documentation you feel is necessary to correct this error. Can anyone please help? Thank you, XXXX XXXX & XXXX XXXX
12/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23324	Web
Credence Resource Management Attempting to collect debt that was not agreed to pay for XXXX XXXX when sent debt validation letter they did not respond and continue to report to bureaus To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request of verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec, 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listings of any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTIONS DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt Commision for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93313	Web
Credence Resource Management LLC To Whom It May Concern : I am disputing a debt from XXXX XXXX and am requesting your assistance in clearing this debt since I have been unsuccessful at this point. XX/XX/XXXX : XXXX XXXX installed cable service at my home at XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX. Prior to the installation, I received calls from XXXX XXXX telemarketers. Id just moved back into my home approximately three to four weeks before the installation. The Telemarketer I spoke with offered me promotions and cable services which came to {$110.00} a month. The Telemarketer said I had a 30-day trial period. Shortly after the installation, XXXX XXXX started sending me bills for {$210.00}. I called XXXX XXXX a few times and they would not help me. After approximately two weeks, I received a bill from XXXX XXXX XXXX for my cell phone with an approximant {$20.00} increase. I called XXXX XXXX XXXX, and they said when I received XXXX XXXX services my cell service increased. My XXXX XXXX XXXX cell service was a business rate Ive had for several years. Ive been with XXXX XXXX XXXX for over 20 years. I told XXXX XXXX XXXX that XXXX XXXX never told me my cell phone service would go up each month for installing XXXX XXXX. XXXX XXXX XXXX immediately changed my cell phone service back to my old plan. At that time, I called XXXX XXXX again and told them that my XXXX XXXX XXXX cell service increased. XXXX XXXX told me there was nothing they could do and I owe XXXX XXXX {$210.00} dollars. In addition, I told XXXX XXXX that the Telemarketer offered me promotions that I never received. XXXX XXXX said they did not know about the promotions. XXXX XXXX lied several times throughout the whole process. I told XXXX XXXX if they can not help me I would have to cancel their services. XX/XX/XXXX : ( fifteen days after installation ) I cancelled XXXX XXXX and returned all of XXXX XXXX equipment. XXXX XXXX started sending me bills for {$600.00}. I called XXXX XXXX several times and told them what happened and asked why am I getting charged {$600.00}. XXXX XXXX said the charge was for an early cancellation fee. I told XXXX XXXX the Telemarketer said I had a 30-day trial period and if I cancelled within 30 days there would be no charge. After two or three months after cancelling XXXX XXXX, Credence, the Collection company started calling me daily. I told Credence about the lies and unethical ways of XXXX XXXX and Credence did not care and continued to call me. On XX/XX/XXXX, I sent a letter to XXXX XXXX and Credence regarding this dispute. On XX/XX/XXXX, Credence sent me a new billing statement and lowered the charges from {$600.00} to {$140.00} with Reference ID # XXXX. I called Credence and told them again why I think it wrong that Im being charged these fees and Credence did not care. On XX/XX/XXXX, Credence sent me a second bill for {$140.00} with Reference ID # XXXX. In the mean time, I called XXXX XXXX and they said all charges had been removed. In addition, XXXX XXXX had me talk to the manager of the Collections Department. The manager said the XXXX fees were from XXXX XXXX and the fee was carried over when I cancelled services. The manager said after listening to my dispute that he thought the Telemarketer and XXXX XXXX were wrong. The manager said he put notes in the file stating he recommend to drop the dispute and to wave all fees. I called Credence and told them that XXXX XXXX manager said Credence can call him and would recommend waving all fees. Credence said they would not wave the fees. I have also sent a letter to the Federal Communication Commissioner ( FCC ). I would really appreciate your assistance with this issue in clearing this debt. Please contact me at your convenience.
10/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76179	Web
I was an XXXX costumer for a long time and always paying my bills on time. When my bundle promotion expired my charges for my XXXX XXXX went up. So I called XXXX to see what promotions they had available at the time and since they did n't have anything better than what I had before they told me that the best thing was to just have a new plan so I did. The representative also told me that after finishing the call with him I could call back to XXXX XXXX XXXX but to a different number to get my home line canceled so that by canceling the home line which a really did n't need but I had it just because it was part of the bundle it would lower my bill. So after I ended up the phone call I called again and get the home line canceled. A few days later I was checking my account and I realized that the amount I had to pay for my internet was higher than what they told me so I called XXXX XXXX XXXX to ask about that, they apologized and said that whoever spoke to me on the phone made a mistake and the price was higher because it was not a bundle and that there was nothing he could do for me anymore. So I asked the representative that since I was on a new plan but not on a bundle anymore, what would happen if I was able to find a better deal with another company ; if I could just cancel my account with ( XXXX XXXX XXXX ). He said that since at the moment I was on a month to month basis and not under any promotion so I could just cancel any time without any type of penalties or cancellation fees. So I started looking for another internet provider and I found a better deal with XXXX. A few days later I called XXXX XXXX XXXX and canceled my account with them, they asked me why and I explained the whole thing again. At that time, I told the representative that I was told by another representative that I should not have to pay any cancellation fees because I was not under any promotion and she said " yeah, that 's correct ''. A few weeks later a received a bill form XXXX XXXX XXXX where they were charging a cancellation fee for {$100.00} plus fees and taxes a total of {$110.00}. I called on XXXX/XXXX/16 to ask about the bill and after explaining everything they put me on hold for a very long time and finally the representative said that she was going to write a note on my account to get it fixed. A few weeks later I received a letter showing a balance of {$110.00} again so I called right away on XXXX/XXXX/16 to ask about the cancellation charges and after explaining everything and putting me on hold several times, the representative said that it was a mistake that they should n't have charging me a cancellation fee, he said that everything was resolved and he apologized for the inconvenience, he also said that I should n't be worry about that any more. Then, a month later a received another letter saying the same thing about me having a balance of {$110.00} and again, I called right away on XXXX/XXXX/16 to find out what was going on and after explaining everything to the representative, he said that he was not able to see any notes about my last call or any request to remove the cancellation charges, he said that in this situations they can not just request a cancellation fee removal, he said that they have to send a notification to another department that handles this and that they should be calling me or sending me a letter to notify me of any updates on my account. I never received any calls from XXXX XXXX XXXX, XXXX mails or a letter in regards this matter. But today XXXX/XXXX/16 I just received a letter from Credence Resource Management, LLC for collection saying that XXXX XXXX XXXX XXXX has been assigned them to collect the amount of {$110.00}.
10/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30518	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX XXXX request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
10/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CREDENCE RESOURCE MAMA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	DE 19802	Web
To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have lost faith in the banking systems due to your company reporting false and inaccurate information on my report without my consent. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft. You have no permission to furnish any information on my consumer report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my consumer report for any reason. According to 15 USC 1681 ( a ) ( 4 ) You infringed upon my right to privacy and your reporting is unfair and without impartiality. YOUR COMPANY HAS AIDED THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS. I DO NOT CONSENT TO XXXX OR ANY OTHER MEANS OF AUTOMATED VERIFICATION. I DEMAND YOU PROVIDE ME WITH THE FOLLOWING. 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me.
08/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30046	Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web
Please remove immediately your company is reporting and Open Account status on a Closed charged off account from ( credence Resource Management ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
08/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10033	Web
On XX/XX/XXXX, a debt collection account had been posted under my social security number for an account dated XX/XX/XXXX for a total of {$380.00}. The original creditor was XXXX XXXX, and the debt collection agency was XXXX XXXX XXXX ( account # available upon request ). I never had an XXXX account, nor did I ever receive any notice, written or otherwise, of this balance prior to it being sent to collections. I also never received an official debt collection letter and only found out when I ran my credit report. I first tried to resolve this by calling XXXX, but they were not able to give me information since my name, address, telephone number were not associated with the account. I then proceeded to file a dispute through the credit agency ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX. Both times my dispute was verified as accurate and met the Fair Credit reporting requirements. The collection was removed from my report and as of XX/XX/XXXX, my credit report showed no open collections. Then on XX/XX/XXXX, I received an alert through XXXX that the collection had been reopened on my account but transferred to a different collection agency ( account # available upon request ). This time I called the collection agency to dispute and asked them for a debt verification letter ( gave them my real address for the first time they did not have my address before this and so I had never received written notice from a collection agency at this point ). They confirmed via phone that the collection was associated with a different name and residential address ( they had this persons name and address ). The collection was removed from my account soon after and as of XX/XX/XXXX I had zero open collections on file. I then received a letter dated XX/XX/XXXX from XXXXXXXX XXXX XXXX XXXX ( account # available upon request ) stating that the information was furnished to the credit reporting agencies, and a request had been made to remove the information from my report. On XX/XX/XXXX, I received an alert through XXXX that the collection had been opened yet again with a different credit agency ( Credence ). To my knowledge, I have never received a written letter or phone call from this agency in an attempt to collect the debt owed. I have yet to contact the Credence collection agency to dispute since the past 2 years have shown me that the collection will get removed only to be transferred to another debt collection agency and appear on my report a few months later. This is greatly affecting my financial health as I am being denied requests for opening new lines of credit, even though I had excellent credit otherwise. I have medical debt that I need to pay - and am relying on being able to use credit in order to pay- but am unable to be approved with the current derogatory mark on my report. I also have federal student loans for a ridiculously overpriced XXXX XXXX ( more than $ XXXX for a 2-year XXXX XXXX program I drank the kool-aid ). Thankfully ( thank you XXXX! ), I am enrolled in public service student loan forgiveness. However, I fear that when student loan repayments start up again this Fall ( in the midst of a recession?! ), I will fall behind. Any assistance or information you can provide me to resolve this matter would be greatly appreciated. I am most concerned with ensuring that this derogatory mark can be removed from the credit file. Thank you in advance to all the fine people at the CFPB and Federal Reserve continuing this very important work.
12/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 386XX	Web
On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$110.00}. I had no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
11/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 802XX	Web	Servicemember
In XXXX XXXX, I had a Permanent Change of Station set of orders for the XXXX XXXX XXXX. I had to move out of XXXX XXXX, TX to XXXX, XXXX At the time of the move, I called XXXX to cancel my internet service. At that time, they cancelled my account and stated that I did not have to return any equipment, and that my account was fully paid for and settled. I proceeded to move to my new station. On XXXX XXXX, my credit card account was charged {$140.00} by XXXX. I called XXXX to question this charge, and they said it was for unreturned equipment, which I was told when I cancelled my account that I did not need to return because I owned the equipment in question. The XXXX representative confirmed on the phone this charge was in fact an error, and that the fastest way to fix the problem would be to put a dispute to my credit card ( XXXX XXXX ) company so that they would reverse the charge, which I did. XXXX XXXX had started the dispute process. On XXXX/XXXX/XXXX, the charge of {$140.00} was reinstated on my XXXX XXXX card. I called XXXX XXXX, and they had told me that XXXX said that the charge was for the unreturned equipment. I had called XXXX again, and they again said on the phone that this charge was not correct, and that I did not need to return equipment because I had owned it, and that I would be sent a refund for the {$140.00}, and that I should speak to my credit card company again to dispute the charge which I did. Approximately 1 month later, I called XXXX XXXX to receive an update on the status of the dispute, and the representative mentioned that XXXX and XXXX XXXX were continuing the dispute process. In the meantime, I still received bills from XXXX and called XXXX back, who again, on the phone, mentioned that I should not be receiving these bills as I do not owe XXXX any money/equipment. XXXX XXXX on XXXX XXXX, sent me notification that the dispute was resolved, and that XXXX would be crediting XXXX XXXX for the erroneous charge. A few weeks later in late XXXX, I received a bill from XXXX for the {$140.00}, and a notice stating that the account would be sent to collections. I tried calling XXXX several times, and was unable to reach a representative. On XXXX XXXX, I received a notice from Credence debt collection service on behalf of XXXX for the {$140.00}. I called Credence and they stated that XXXX would not send a bill to collections if it was incorrect, and explained that the {$140.00} is valid because there is a delay in the last billing cycle when an account is closed. They mentioned that this bill was for the last month of service, not equipment as XXXX had been saying. This was inconsistent, as my monthly bill has never been in the amount of {$140.00}, and I was also told multiple times by XXXX that it was erroneous, and further XXXX XXXX had resolved the dispute with XXXX which ended up crediting my account. Now my account is in collections when it should not be, I have an impeccable record of paying valid bills on time and it is not right that XXXX continues to charge me for something that I do not owe money on and that now they have sent it to a collection agency marring my record. Additionally, the collection agency was very supportive of XXXX, justifying their charge when it is in fact an error. Can you please help me clear this up, and clear my name from collections? I have been a responsible consumer and do not let valid bills go delinquent, and this is unfair to me as a consumer.
04/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 482XX	Web	Older American
XXXX XXXX XXXX To who ever cares I entered a contract with your agent at the XXXX store for XXXX XXXX Unlike my wife { she passed XX/XX/XXXX } who used to call XXXX XXXX XXXX and argued with someone from XXXX XXXX or XXXX. I will not.. I was ready to leave XXXX XXXX XXXX XX/XX/XXXX Your agent { XXXX } at the XXXX store talked me into staying and said she would save me money by switching to XXXX and that I could switch back.XXXX XXXX was not working correctly so I made the mistake of calling the phone number to XXXX to switch back. XXXX XXXX came back out and they put in the basic tv package. When I asked for the package I had. Tried to add XXXX XXXX to watch XXXX XXXX NO I again talked with your retail sales consultant { XXXX } person to person and had agreed To a price of around {$270.00} a month total bundle I asked her how do I know they just wont jack up the price later? like they did before. She took a photo of my bill off the computer with my camera so that I have proof She argued with someone on the phone that day about said plan And { XXXX } told the person on the phone that I was a customer for years and I was going to leave if I didnt get my price..she said it was settled same price every month for a year. I signed a tablet. Now here you guys go again telling me it was an Introductory price and we want more money. I will only pay for what I agreed tonot some changes that someone altered. I Paid XXXX XXXX XXXX XX/XX/XXXX.. {$270.00} XX/XX/XXXX.. {$270.00} start of overcharging XX/XX/XXXXI paid { {$260.00} .XX/XX/XXXX {$270.00} } I went over to XXXX XX/XX/XXXX They installed it on the XX/XX/XXXX I went to the XXXX store and they handed me the phone to talk to XXXX XXXX XXXX. [ XX/XX/XXXX ] and I had to give her my info and pin number and she asked me to stay. I said NO You were not satisfied with {$270.00} a month and Ive been a loyal customer no longer Your people overcharged me {$50.00} for XX/XX/XXXX and XX/XX/XXXX I went to the XXXX XXXX XXXX store and they couldnt help me+ gave me a card I called the number XXXX XXXX from XXXX couldnt find my account On XX/XX/XXXX I called XXXX XXXX couldnt help told me to call XXXX { a dead number } Dead numbers and rabbit holes ..can I talk with an XXXX? ..no Ill help youall they are allowed to do is read you you the incorrect bill over the phone. I tried I made calls [ 35 } [ 7 ] re corded conversations with XXXX XXXX XXXX personel giving their permission.your turn. All my calls are documented the recordings reflect a desire to send me down a bunch of rabbit holes hoping Ill just give up? Maybe you wanted paperless too? nice try Are you at this date aware that I went somewhere else last year. Your billing is also proof positive of your failure This is not about my ability to pay its about you XXXX XXXX XXXX The left hand has no idea what the right hands is doing. I have always paid my way and you are not going to bully me for money I dont owe. XXXX XXXX XXXX voided the contract not me. Your billing statements are faulty and now you think you can send me a bill for mobile when I was in a package deal no way See ya in court I was truthful with { XXXX } and she was truthful with me. I told her face to face that I would bail out if they started this again and here we are. Too many people in the cookie jar Account # A letter was certified mailed to you about my desire to fix this and other things that are proof of this rabbit hole
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64138	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq and 15 USC 1692e this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
07/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32259	Web
I attempted to cancel my XXXX service at the end of XX/XX/XXXX due to service not working for nearly a month ( part XXXX-XXXX ). We ignored it initially because we used XXXX to stream most of what we consumed. Not wanting to pay for something we werent using, I called to cancel our service. They asked if Id consider allowing them to fix it at no cost. ( Actually charging us but giving a credit to my account to cover the charge ). The technician came out to my home a total of three time in XX/XX/XXXX. After the service failed again, I called to cancel the service in mid XXXX. At that time, we were told that wed receive a box to send back our equipment. The box never arrived. I called back Again in XXXX. I began to try to make records of my conversations at that point because I received different information each time I called. It also appeared they were trying not to cancel my service as was being requested. This was more evident by the bill I received showing my service was not cancelled. They charge me for XXXX and XXXX. Here are a few records of my interactions over the next several months. I didnt get information for all of my interactions with them but here are a few : XXXX cancellation XXXX XX/XX/XXXX XXXX Cancellation number:XXXX Credit will be back to original cancellation date. XXXX XXXX XXXX Cancellation number : Disconnection SR # : XXXX An escalation will be put in and someone will contact me about the fixing the matter of the additional charges. XX/XX/XXXX XXXX XXXX XXXX est said they could not talk about this charge and refused to escalate the matter. She also stated XXXX XXXX XXXX could no longer discuss the charges with me. I could only speak to the collection agency theyd sent me to. I was finally able to learn that I could take the equipment to a XXXX store and return it and I did that. One fact to prove I cancelled the service in XXXX was that I signed up for XXXX now streaming service since we were already streaming other services like XXXX. I still currently have XXXX XXXX. We plan to cancel because of this issue but will keep It until we hear back for the FTC. Its further evidence that we cancelled the regular XXXX service. ( As no one would keep a regular and streaming services of XXXX. ). The original outstanding charge was for roughly {$120.00}. Its not inflated to {$190.00} with their penalties and interest. I do not owe XXXX XXXX XXXX anything. In truth, I should have been compensated for no/intermittent service part of XX/XX/XXXX, XX/XX/XXXX and part of XX/XX/XXXX up to my cancellation date. Not only was I not compensated but a collection agency is contacting two of my uncles, my wife and brother in law asking for personal information about me. I do not feel I should be taken to collections over a debt I do not owe. I want this constant harassment to stop and Id like to file a formal complaint against XXXX XXXX XXXX for the way they've tried extort money from a consumer by not canceling my service as requested. If they record the calls as they say, all my assertions are easily verifiable. Your agency is the only protection regular Americans have against these large companies ability to attack and harm our credit. I thank you in advance for your attention and help. Im also willing to appear in court or before Congress if necessary. I just dont want these people to do this kind of stuff and get away with it. XXXX XXXX XXXX
09/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78681	Web
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SUB : Fraudulent Billing for XXXX XXXX Services XXXX Account Number XXXX Reference Account Number : XXXX Dear Sir/Madam The disputed amount of {$230.00} has already been deemed to be a fraudulent charge by XXXX by XXXX XXXX Associates and multiple other collection agencies who have initially attempted to collect from me. This has already been submitted to all three credit bureaus who have since removed the derogatory comments from my credit report. In XX/XX/2019, XXXX stopped carrying the local XXXX channel because of an internal dispute with XXXX and XXXX. On various dates in XX/XX/2019, I placed multiple calls to XXXX Customer Service asking if they were going to provide a credit to my account for unavailability of the XXXX XXXX. Several Customer Reps that I spoke to, refused any credit. After some very frustrating conversations in XXXX, I called into XXXX again during the first week of XX/XX/2019 and requested that my account be terminated. Because of the arrogance of the rep I spoke to, I started raising my voice and was then told to be professional on the phone. During the same conversation, I requested immediate termination of my account. I was then offered to be transferred to Account Retention services. This, now appeared to be a little late in this entire saga of events. I was - also in the same phone call told to return my equipment via XXXX and that would effectively terminate my account. A copy of my equipment return slip and final payment for the XXXX bill is attached to this correspondence. XXXX XXXX XXXX makes it very attractive to sign up for their services but they make you jump through hoops to get your accounts terminated. Even those attempts are all futile as they never follow through on their phone conversations. XXXX XXXX XXXX is also a company that engages in deceptive advertising and predatory billing practices subscribers have been leaving the company in droves so much so that they have now had to shut down XXXX. Im quite sure that Im not the only one who is being billed for services after equipment has been returned. After the equipment was returned, I made several attempts with XXXX Customer Service, to confirm that my service had been terminated. These attempts were made via social media accounts, phone calls and each time, it was the same frustrating experience with them offering a new termination date. I have not YET been successful in achieving this objective as each conversation started on the phone or online, treats my request as a new request for termination the latest of these XXXX conversations being on XX/XX/2019 where I was told that my account would be terminated on XXXX XXXX for equipment that was returned in XXXX because customer service, account management and accounting departments are a total mess and disorganized at XXXX I have provided the same documentation ( that is attached here ) to all three credit bureaus All of them have recognized the charges as spurious and bogus and have deleted the derogatory comments from my credit report. I will be filing a complaint with the States Attorney General with the same supporting documentation that I am providing you here ... .so that they are aware of XXXX XXXX deceptive billing practices. I would appreciate acknowledgement of this communication. Sincerely XXXX XXXX XXXX
07/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20653	Web	Servicemember
My name is XXXX XXXX I am writing this complaint against CREDENCE RESOURCE MANAGEMENT, ACCOUNT # XXXX, ORIGINAL CREDITOR : XXXX XXXX. I sent a certified letter to CREDIENCE RESOURCE MANAGEMENT on XX/XX/2021 they receive it on XX/XX/2021 ( letter and certified receipt is attached with this complaint ). I spoke to my Attorney General 's Office they inform me that this company has no right to collect in the state of Texas were I reside as a resident. They have no registered agent license to collect in my state and NO SURETY BOND. I was also informed that a lot of residents of my state have written and called the Attorney General 's Office that this company has been harassing them with calls, letters and emails. So, they told me to keep them inform of the reply that I get back. If this item is not remove from my credit report immediately we will be seek legal damages. Also, as a consumer I am afforded protection they have violated major Federal, State law. They have violated also FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) and FDCPA Sec. ( c ). Also, the Attorney General 's Office wanted me to gather this information : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. ______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? XXXX Amount paid if debt was purchased : XXXX__________________________________________ Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants CREDENCE RESOURCE MANAGEMENT the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for CREDENCE RESOURCE MANAGEMENT, in case legal action becomes necessary : XXXX XXXX XXXX XXXX Authorized Signature For Creditor Date __________________________ Print Name This matter needs to be resolved immediately because it has cause my harm as consumer to my creditworthiness. If all questions and documents are not sent this debt is no in void. Needs be deleted from credit report. Legal action will be pursue for damages.
06/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77373	Web
XX/XX/2021 I spoke with XXXX a representative with Credence Resource Management and informed the representative this is not my account To : Credence Resource Management Original Creditor : ( ATT ) Be advised a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home, my cell phone or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. You also may not communicate with me by email. All future communications with me MUST be done in writing and sent to the address noted in this letter. Additionally, please refrain from contacting any of the financial institutions where I have accounts or with which I have relationships. You have no right to access any of my personal or financial information that isnt part of public records. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
07/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
01/26/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NV 89030	Web
On XX/XX/XXXX I received an initial demand letter from Credence who was retained by XXXX XXXX XXXX for services rendered. I checked my records and verified the balance they were demanding was valid and the bill remained unpaid. At this time I contacted the office and agreed to payment plan for full repayment. The balance presented by the agency was {$140.00} on the initial demand letter that they sent to me. XX/XX/XXXX Paid {$25.00} XX/XX/XXXX Paid {$50.00} XX/XX/XXXX Paid {$72.00} paying the account in full and satisfying my obligation to XXXX XXXX XXXX and Credence who represented the. On XX/XX/XXXX I received an incoming call from Credence to my phone at XXXX from a phone number Identified as Credence XXXX. At that time I thought nothing of it as they didn't leave a message and I assumed it was in regards to the small overpayment on my debt. In XXXX I received the following call attempts from Credence : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Beginning in XXXX Credence must have started having technical failures with the Automatic Dialer ( ATDS ) as I began receiving calls both more frequently and multiple times in the same day. Sometimes the calls will come in succession by ringing once, disconnecting, and calling right back and other times they are spaced out through the day. In XXXX I received the following call attempts from Credence : XX/XX/XXXX, XXXX, XXXX, XXXX x 7 calls, XXXX x 4 calls, XXXX x 7 calls, XXXX x 4, XXXX x 5 calls, XXXX x 3 calls, XXXX x 2 calls, XXXX x 2 calls, XXXX x 2 calls, XXXX x 3 calls, XXXX x 3 calls, XXXX x 2, XXXX x 5 calls XX/XX/XXXX x 2 calls, XXXX x 2 calls, XXXX x 7 calls, XXXX x 3 calls, XXXX, XXXX x 5 calls, XXXX x 3 calls, XXXX x 3 calls, XXXX x 8, XXXX x 4 calls, XXXX x 3 calls, XXXX x 4 calls, XXXX x 8 So in summary of the above list I can provide the dates and times that Credence contacted me 7 times in XXXX, 9 times in XXXX, XXXX times in XXXX including up to 8 contact attempts in the same day, and XXXX times in XXXX including up to 8 contacts in the same day. At this point I have attempted to call them several times and never been able to reach an agent and to date I have not received a single correspondence from Credence, or put another way in 4 months they have made 122 calls using an ATDS to my cell phone and in those 4 months have failed to provide me with an initial demand letter either complaint or non complaint with Nevada XXXX and not allowing me to dispute any alleged debts. In XXXX when I had an actual valid account I pulled out the documents in preparation for this filing and found that on XX/XX/XXXX I emailed them to inquire about multiple calls received. The email I sent mentioned I have no knowledge of the agency but I was in the hospital the previous year and was working through the debts. They quickly replied admitting no fault and emailed me a secured initial contact letter stated that XXXX placed the account on XX/XX/XXXX. Had I never reached out I would have received the initial demand letter on XX/XX/XXXX which was dated XX/XX/XXXX via regular mail. At that point the debt had been paid and I assumed it nothing more than an innocent error that is now looking more like a pattern.
04/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 780XX	Web
XXXX XXXX XXXX and their agent refuse to correct their errors and negligently continue to assert a balance is due when they know it is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Notice of Disputed Debt - Attached Notice for Account XXXX Dear Representative : The most recent attached bill issued XX/XX/XXXX, is inaccurate. To date I have not received the corrected bills I have requested in writing and in my phone calls going back almost 6 months. Your repeated failure to address the billing errors I brought to your attention forced me to terminate my service with XXXX XXXX XXXX. ( I had been a loyal customer of XXXX XXXX XXXX for over a decade who always paid his bills on time. ) I have attempted to work with XXXX XXXX XXXX to correct several errors made in billing me each month going back to XXXX of XXXX. To date you have both failed make adjustments agreed to in our phone calls and those mentioned in the calls and letters I have shared. Therefore, this letter is to notify you I continue to dispute the debt you allege I owe, and I have calculated what I owe XXXX XXXX XXXX in good faith and a check is enclosed for the portion of the debt I do not dispute which is {XXXX} ; any amount in excess of this is inaccurate and I dispute it in full. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Notice of Disputed Debt - Attached Notice for Account XXXX Dear Representative : I have attempted to work with XXXX XXXX XXXX to correct several errors made in billing me for months now. To date you have both failed make several adjustments agreed to in our phone calls. Therefore, this letter is to notify you I disputed the debt in full. I have called you on at least 4 occasions regarding these billing errors now and ask that you please revise your bill to take into account what was agreed to and discussed in those phone calls. Please refer to the notes and recordings of my prior phone calls with your representatives to gather the information you need to issue a revised and correct bill. I will promptly pay what I owe once you provide an accurate and detailed invoice of any balance I owe. Three of the key issues discussed in my phone calls include the following. 1. I was told my bill would be {XXXX} a month plus taxes on XX/XX/XXXX, yet it was {XXXX}. Attached is the documentation where XXXX XXXX XXXX acknowledged my bill would be {XXXX} a month going forward dated XX/XX/XXXX. 2. I spoke XXXX XXXX XXXX in an attempt to resolve this matter on XX/XX/XXXX, they acknowledging they failed to cancel the service on line XXXX and my bill was wrong. They assured me they would make adjustments to my bill which they have failed to do to date. They gave me a case number of XXXX. 3. In one of my calls they said they would correct the error for charging me an early termination fee for the line XXXX since it not terminated but replaced with line XXXX which has not happened to date. Look at your records, I had been a faithful customer for over a decade and always paid my bill on time. However, your failures in this matter, continuing billing errors, and remarkably poor customer service on my account issues since XXXX of XXXX forced me to move my service to another provider.
03/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91306	Web	Servicemember
Approximately around XX/XX/2019 I started receiving phone calls from a company called Credence. A young lady greeted me and she said Credence is a debt collection company regarding XXXX XXXX XXXX XXXX and said I owed {$510.00}. I asked for what and she asked if I had cell phones and I said yes. She read all four ( 4 ) of my cell phone number 's I have with XXXX XXXX XXXX and said it's for the cell phones I have ( she also had my home address ). I told her I still have my cell phones and I have been paying XXXX XXXX XXXX monthly for them in cell phone charges, taxes etc. The young lady I was speaking to said she would transfer me to her supervisor and I explained the same thing to him. He then said ok, this is what we can do ... we will lower the balance you owe of {$510.00}. I told him that I would like to speak to XXXX XXXX XXXX and I also asked him to mail me something in writing. He said ok let me get them online and we'll do a 3 way call. He did call XXXX XXXX XXXX and it was a recording saying they will be right with us momentarily. However, we were on hold for a while so he said that they would call me back tomorrow. And I said ok. In the meantime, I called XXXX XXXX XXXX myself, I was able to get through, I spoke to a customer service representative and explained that a company was trying to say I owe {$510.00} for XXXX XXXX XXXX XXXX , XXXX XXXX XXXX checked my account and said I have a {$0.00} balance. They said that the next time I speak to Credence I can advise them to call XXXX XXXX XXXX and I agreed. The next few days Credence called my cell phone numerous times, I would answer and I didn't hear anyone on the other end, once I said hello they would hang up. This went on for a while, sometimes I would just ignore the call and would not answer. Today, XX/XX/2019 I received a call from them again, I answered and no one was on the other end. This time I called them right back and right away a man answered. He had my name, cell number and even verified my home address, I confirmed. He told me about the amount I owed and I told him that I've spoke to them a couple weeks ago and that I have even spoke to XXXX XXXX XXXX and that I do not owe {$510.00}. I explained to the man that usually when your account goes to collection that a bill would come first from the company which would be XXXX XXXX XXXX trying to collect the amount, then if I didn't pay they would send to collections. I told the man that I have not received a bill from XXXX XXXX XXXX ever for {$510.00}. And furthermore, I had contacted XXXX XXXX XXXX and they said I have a {$0.00} balance. The man continued to say that I owe XXXX XXXX XXXX XXXX. I told him that I did not have a {$510.00} balance with XXXX XXXX XXXX, I also said they should call XXXX XXXX XXXX themselves to verify I have a {$0.00} balance, I then went on to say that I still have my phones, that I pay monthly for cell phone charges and I thought that they are a fraud company and I wanted them to please remove my cell phone number from their list, because I get a call everyday from their company. The man said ok I'll remove your number from our list then and he hung up. That was the end of our conversation.
01/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07206	Web
The following company bought a debt that was already removed from another collection company and reinsterted onto my credit report. You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent upon my consumer reports being fair, and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) you were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX. I have been unable to get a job or access credit cards because of you assuming this role. You are in violation of 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) if this was a factual transaction ( which you wouldnt know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. So pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my consumer report.THE COMPANY CREDENCE RESOURCES MANAGEMENT, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
07/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 711XX	Web
Approximately 2.5 years ago, as I was getting out of a car, I accidentally dropped my cellular telephone ; the ( protected ) screen struck a concrete curb at a 45 degree angle, permanently destroying the telephone. I called XXXX XXXX XXXX to cancel my account with them. It should be noted I was not under any contractual obligations at this point, either ; I had ( what is known as ) " month to month '' billing. I was living in New Jersey at the time. My billing cycle was from the XXXX of the month to the last day of the month. When I called, it was several days prior to the end of the billing cycle. The representative tried vehemently to bargain with me not to cancel the account ; however, as I was resolute about this, I ( verbally ; again ) refused. ** It should be noted after this point, the representative became significantly less cooperative ( almost hostile ). I asked her what was the final amount due. She said she needed my 4 digit pin, part of a 3 step online login process they had at the time to look at my account, since this was how I ( and most people ) typically paid my monthly invoice ( online ). Unfortunately, I could NOT remember the 4 digit pin, and she told me she was not allowed to login without my pin ( this is part of the hostility ). I asked her again to PLEASE give me the amount due ( IF there was any ). Again she refused. I could not get any help via customer service, or online and since I did not receive a paper bill ( XXXX XXXX XXXX charged several dollars extra ) each month to do so, which has become typical these days. Therefore, to the best of my knowledge I was current with my account. After this frustrating telephone call, attempting to cancel my account, several days later I received an invoice, which was at least twice the amount I typically paid. I was being treated incredibly bad, especially when you consider my parents and I had been customers of XXXX XXXX XXXX continuously for over 60 years. It was as if I had never called the XXXX XXXX XXXX representative. In summary : She ( A ) did she not cancel the account, plus ( B ) billed me for another month, even though she knew my cellphone was broken and I could not use it ; ( C ) she knowingly did not attempt to help ; ( D ) She sent me an invoice for double the usual amount, and ( E ) XXXX XXXX XXXX turned this over to a collection agency, which is damaging my credit report. I had done everything I knew how to do to cancel the account, and all this occurred. Whatever happened to good faith? Now, I have a collection agency, calling me at XXXX XXXX in the morning, and they are trying to illegally bargain with me the amount ( they claim ). Even if I did owe any amount, they are aware the procedure is to send me a bill offering a potentially reduced amount in writing. All this is incredibly frustrating. If anything is due, it is XXXX XXXX XXXX that owes me, for being a long time ( over 60 years ) and loyal customer ; plus I spent hours and hours of my valuable time trying to do the right thing. Worst of all, XXXX XXXX XXXX is treating me as if I am an deadbeat client, ruining my credit while doing so. Shame on XXXX XXXX XXXX.
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OH 44070	Web
Spoke with XXXX XXXX XXXX Representative/XXXX on either XX/XX/XXXX or XX/XX/XXXX to inform XXXX XXXX XXXX that I was moving and that I needed to terminate my service at the end of the month. I believe the date provided was XX/XX/XXXX. He cancelled service immediately as a hard cancel. This was discovered later following conversations. On XX/XX/XXXX, requested a call back because I received a message that service was cancelled and there was no Wi-Fi service within my home. Received a message that a rep would call me back. Upon discovering that my service was erroneously cancelled, I called and spoke with Many People that were all unresponsive and unable to assist with the restoral of service. Since I was not able to obtain helpful service, I researched and contacted the Presidents office. Spoke with XXXX XXXX XXXX XXXX XXXX, Office of the President. She worked with the back office and technical support to resolve the issue. Spoke with XXXX whom attempted to restore service remotely but with no success ( Case was initiated ). Spoke with another XXXX within the President 's Office. She requested that I call her back after the cancellation of services so that she can make sure that the account was properly closed with no charges and record of equipment return documented correctly becuse she said that sometimes there are issues with equipment return. I was assured that I would not be billed since the error was XXXX XXXX XXXX. On XX/XX/XXXX, it was decided that in order for service to be restored a technician needed to come to the residence and it was scheduled for XX/XX/XXXX. The technician made a visit on XX/XX/XXXX since technical service was not able to restore service remotely. Received XXXX on XX/XX/XXXX for equipment return. Equipment was returned on XX/XX/XXXX and I have a tracking document that it was delivered to the Return Center on XX/XX/XXXX at XXXX. On XX/XX/XXXX, spoke with XXXX and he advised at the time there was an outstanding balance of XXXX and this amount was expected to increase and as of XX/XX/XXXX, equipment was not returned although I had record of otherwise. Called and left message for XXXX XXXX on XX/XX/XXXX at XXXX EST and she never returned the call. Called and left message for XXXX again on XX/XX/XXXX and she failed to return the call again. XX/XX/XXXX ( XXXX ) spoke with XXXX in Collections. He was not able to assist with resolving the issue. Requested to speak with Manager. Spoke with XXXX, Collections Manager. He was not able to assist with issue as well. But informed me that account was cancelled on XX/XX/XXXX and total amount due was {$440.00}. Charges were for services and non-return of equipment. Received XXXX XXXX XXXX Final Notice on XX/XX/XXXX for {$440.00} Account has been forwarded to an outside Collections Agency ( Credence ). This is now affecting my credit and I am receiving phone calls and mailed correspondences. Final attempt to resolve issue was sent to XXXX XXXX XXXX XXXX, XXXX XXXX. However can not say with certainty that a response would be provided. Please note that I have documented images for the majority of the above images.
04/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 281XX	Web
To whom it may concern, My dispute originally started on XXXX. The above company XXXX Credence Resource Management ) is currently violating both 15 U.S.C. 1681s-2 and Regulation F, which ended on XX/XX/2023, for not properly validating this debt as previously requested and received in writing from me on XXXX per my attached XXXX proof of delivery. When validating the amount owed, they only sent the agreement and old statements but failed to show proof of the following : 1. The date on which this became a debt up to our current date 2. The amount I was charged in interest that makes up this debt 3. The amount I was charged in fees 4. The amount I have paid in total on the debt 5. The accurate amount due ( From the above # s 1-4 ) as of today Also, this company is currently in violation because they knowingly violated 15 U.S.C. 1681s-2 as well, which ended on XX/XX/2023, by not removing the tradeline as requested with incorrect information on my consumer report. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Therefore Im requesting to have this debt immediately removed from all of the consumer reporting agencies that Credence Resource Management reports to no later than XXXXive business days of this CFPB filing, or I may be required to pursue legal action for their violations.
08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32246	Web
The collection agency is Credence Resource Management aka Credence XXXX. They have aXXXX XXXX bill from when I was at a company conference earlier this year. Because I had not yet completed my deductible for the year, I initially owed about {$950.00} on this debt. Because I was sick for much of the beginning of the year XXXX I was not able to pay this bill in full to the original creditor, XXXX XXXX XXXX. The only payment options I was offered by the original creditor was the balance over 12 months, which I could not afford. The account was placed into collections on XXXX/XXXX/15 with Credence. Everytime I go online or call in, my balance has gone up again. I initially called them on XXXX/XXXX/15. They did not check to make sure I was the right person and only told me they were debt collectors after we had spoken for quite a while. That day I went online and made a payment for {$10.00}. I called in again today to make another payment and I spoke with XXXX XXXX XXXX or XXXX? ) and he was unable to answer questions about the account, the interest rate and the collection fees so he put a manager on the phone, XXXX XXXX. XXXX states that Credence RM is charging 6 % interest per annum on my account, however in the just 24 days they have had the account, the balance has increased by {$28.00}. On top of this they charge a {$5.00} processing fee for online payments or debit card payments. I noticed that 6 % per year should only be $ XXXX/year on a balance of {$950.00}. I asked manager XXXX XXXX about this, he said it was so much because the annual interest accrues daily. I asked him if this is not different than 6 % per annum he stated and he said I need to talk to their attorney, XXXX XXXX, in their " concern '' department which they also call their legal department. He repeatedly stated only the attorney could explain the math to me. Then XXXX offered me, for today only, that I could pay the original balance of {$950.00} ( guess I would just lose the payment I already made ) today and he would not charge me the interest that has accrued so far. I explained to him that I have been sick since the beginning of the year and just do n't have that much available. While I was on the phone with the XXXX the manager, I tried to locate the attorney XXXX XXXX through XXXX and my state bar association, but was unable to locate any attorney by that name. XXXX spelled the name for me after I insisted several times. I asked the manager XXXX what state the attorney is licensed in as I was unable to locate any contact information for him. He then admitted XXXX XXXX is not really an attorney, just a staff member in a different department. The collection agency is willing to let me make small payments but they ( NOT the original creditor ) are charging me interest on this medical bill, at a high enough rate that will mean I will never pay this off, only watch the interest grow and balance get larger while I pay the collection agency to collect my account and pay convenience fees for the " pleasure '' of that collection.
02/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79707	Web
On XX/XX/XXXX I received an " account notification '' from Credence Resource Management , LLC saying I owe them {$250.00} to resolve the account for less than the full amount of {$460.00} from XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I sent Credence Resource Management , LLC a Debt Verification Letter via certified mail. The following letter states, " Dear Credence : This letter is in response to your letter dated XX/XX/XXXX. I request that you provide verification of this debt. Please send the following information : 1. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 2. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 5. Whether this debt is within the statute of limitations and how you determined that issue. 6. Details about your authority to collect this debt. 7. Does your agency have a debt collection license in Texas? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. If you are contacting me from outside my state, provide the licensing information from your state as well. I requested this information so that I can make an informed decision on whether I am responsible for the debt. I will need your response to make that decision and would be open to communicating with you on this matter. I would like to know if you are prepared to accept less than the balance you claim is owed. If so, put your offer in writing with the amount you will accept to fully resolve the matter. Please treat this debt as being in dispute. I look forward to your response. Thank you for your cooperation. Sincerely, XXXX XXXX '' On XX/XX/XXXX, I received a " Dispute Investigation Response '' from Credence, but was not given the information I requested. In this letter from Credence they state, " We received your dispute on the above account. We have investigated your dispute and verified that the charges on your account are valid. Please call the toll free number below for assistance or any queries. XXXX XXXX XXXX : - XXXX. '' I was not given any verification of this " debt ''
07/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38583	Web
In XX/XX/XXXX our family moved to our new home.. we needed to move our XXXX XXXX service.. we had already been a long time customer for far beyond 2 years.. meaning our contract was now void and we were no longer under any obligation to stay with XXXX XXXX if we so wished to go elsewhere.. when scheduling the appointment time for installation, I had requested the tech call before coming to make sure I was home since my husband had recently had XXXX and was taking strong pain medication that would NOT allow him to make any kind of legally binding commitments or decisions ... the tech did not call first and just showed up at my house.. I was at work!! They asked my husband if he'd like to upgrade our current equipment, he told them to call me for that permission.. I then received a call and had declined the upgrade of our current equipment because I didn't want to lose all of our recordings we hadn't seen yet and I DID NOT WANT TO BE LOCKED INTO ANOTHER 2 YEAR CONTRACT!!!! Once I got home from work we had a new system and the tech was gone.. I asked my husband what had happened to our other equipment at which time he stated that the tech had told him that I accepted his offer.. HE LIED!!! Once I realized what had happened, I called XXXX XXXX at which time I was offered a special deal to keep our business and was assured that the contract would be exponged given the circumstances surrounding it's existence.. got our first bill to realize that they had NOT followed through with their offer, so I called to get things corrected since our bill was ALOT higher than it was suppose to be.. I was then told that they could not and would not be applying these credits because the representative I had spoken with did not properly notate our account!!! So i then let them know that we wanted to CANCEL service, at which time I was notified that we were under a 2 year contract due to our upgrade and there would be penalties for doing so.. I AGAIN told them that my husband was not legally allowed to make any kind of decisions on his own at that time due to his medications and he was under doctors care so even if he did agree to upgrade ( WHICH HE DID NOT ) He could not have legally made that choice or been held to that contract BY LAW, but that the tech had lied to him tellimg him that I agreed to this upgrade ( I MOST CERTAINLY DID NOT AGREE!!! ) So we disconnected our services, sent our equipment back to XXXX XXXX, and now we've been sent to collections over a {$530.00} balance because of cancelling our service due to this New " 2 year contract ''!!! WE NEED THIS DEBT REMOVED FROM OUR CREDIT BUREAU 'S AND CREDITED OUR ACCOUNT THE AMOUNT REPORTED DUE TO " EARLY CANCELLATION FEES '' FROM A CONTRACT THAT I NEVER AGREED TO AND MY HUSBAND WAS NOT LEGALLY IN HIS RITE STATE OF MIND TO SIGN OR NEGOTIATE!! I would also like to mention that we were NOT contacted by anyone any further after returning equipment until XX/XX/XXXX, when we learned that this debt had been turned over to collections!!!
07/14/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30046	Web
I sent out a Debt Validation Letter to XXXX XXXX XXXX and their Collection Agency in the Name of Credence to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the creditor and asked for legal documentation according to the Fair Debt Collection Practices Act ( FDCPA ). If the collector completely fails to respond to the validation letter, again they have 30 days to do so, then legally they must cease collection efforts, and remove negative items placed by them on your credit report ( Its been over 4 months and none of all the Documents I asked, according to my rights for have been provided ). I have not used the service from XXXX XXXX XXXX from the first day XXXX have set up with them. The way I got set up with their phone service was through representative with XXXX XXXX XXXX in the name of XXXX XXXX that stop me at a XXXX. XXXX gym located in XXXX Georgia. The male representative in the name asked me who was my current cellphone provider, I replied XXXX, who I have been with for 5 years.. He then asks me how many lines I had with XXXX ; I told him, XXXX. XXXX XXXX then said, XXXX XXXX XXXX has a promotion that is {$250.00} given to me for each line that I get switch over From XXXX to XXXX XXXX XXXX. I let him know that was a good deal and that Im interested but that I was still paying off a phone with XXXX with a line associated with it and if I did switch over how much would be my bill. He informs that that wouldnt be problem because with the {$750.00} promotion credit in total that I would be receiving from all three lines Im switching over to them, can go towards paying the phone off with XXXX. We later went through my options that he presented, and I chose the $ XXXX {$90.00} bill option for all three lines. We got all the set up process done and fast forward a month or so later after switching my lines I was charged way more then I was promise, never received all three {$250.00} promotion offer for all three lines I switch over and never was able to use my new XXXX XXXX XXXX SIM CARD because the phone that I had was still being payed off through XXXX ( after I repeatedly told him this situation that he told me to not worry about ). I have spoken to over XXXX customer service personnels in the time span of XXXX XXXX months, XX/XX/XXXX, from each department at XXXX XXXX XXXX and no one helped, some associates even hung up on me which really upset me because that was very poor customer service. That last personnel from XXXX XXXX XXXX customer service was very understanding and told me she was going to save on file and send my complaints to corporate or and higher up department to resolve my dilemma and to wait for a phone call. It has been months now and Im still being charge and my credit has went down almost XXXX points all because of a phone service? a service that i did not even received have yet to be contacted to resolve anything.
10/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 49504	Web
XX/XX/XXXX I signed up for XXXX DSL Internet service. I choose to pay for my equipment XXXX the XXXX router ) at the beginning of my service. When self installing the service, I discovered that the DSL service did not properly work and called XXXX to which they decided to dispatch a technician. An XXXX technician, named XXXX, came to my house and acted in a very professional manner to resolve the issue. He ran a line up the side of my house because he said the earlier connections were not properly installed. My service worked and I continued until XX/XX/XXXX, paying all bills on my personal XXXX card. XX/XX/XXXX I decided to cancel my service for a competitor 's better connection speed. I called XXXX customer service around XX/XX/XXXX to cancel to which I was told " please keep your XXXX router if you ever decide to come back ''. This was my understanding, as earlier stated, because I had paid for the equipment at the beginning of the service. XX/XX/XXXX my XXXX card was charged for {$160.00}. Upon inquiry XXXX, I was made aware that the charge was for unreturned equipment XXXX. I disputed this charge XXXX and was instructed, XXXX to call XXXX. I spoke with a customer service representative XXXX who told me that " multiple emails had been sent '' ( these emails were sent to my XXXX email address that I no longer used because I no longer had the service ) about me owing. I asked this rep to check my bills to confirm that I had paid for the equipment at the beginning of my service. He did confirm that I had paid at the beginning and that they could refund me one of two ways, either by credit to my XXXX card or via paper check. I choose to have a credit to my XXXX card which I was told would take up to two weeks. After two weeks upon non-receipt of the refund, I disputed the charge XXXX and explained to them the process I had been through with regards to dealing with XXXX customer service. XXXX let me know, via XXXX mail about 2 weeks later, that they had found in my favor as the merchant XXXX had not responded to my dispute. On the XX/XX/XXXX I received a letter XXXX about the {$160.00} dollar debt still being owed. I reached out to XXXX customer service to explain the situation. Again I was told that I owed the money until the rep reviewed the notes and account to find that I had been mistakenly billed. She let me know that her manager would reach out to me within 1-2 business days. As it stands, XX/XX/XXXX, I still have not been contacted XXXX. I have since been contacted by a Credence Resource Management about the collection of a debt owed XXXX. I have been called XXXX every day for the last 5 days. The gentleman I spoke to from the company took an unprofessional tone with me and let me know to file a written complaint to resolve the issue. I took issue with his tone of voice and aggressive tactics. I have chosen to ignore the phone calls I am continuing to received from Credence Resource Management.
09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33324	Web
My name is XXXX XXXX The purpose of this compliant is to resolve a dispute with XXXX XXXX XXXX XXXX and Credence Collection Agency. After three long years with XXXX XXXX XXXX, I decided to part ways with the company due to several issues including my monthly bill. XXXX XXXX XXXX continued to bill me for two lines after the second line was transferred to another phone server by my brother. After the second line was transferred XXXX XXXX XXXX continued to bill me for two lines months after the second line was transferred. I took on the initiative to contact XXXX XXXX XXXX XXXX to discuss this billing error on my bill. I was informed by the billing department that the correction will be made, and it will reflect on my next bill however, I was informed that I will not be credited for the few months that I had paid for two lines instead of a single line. Unfortunately, XXXX XXXX XXXX continued to bill me for two lines after I communicated to them of the error. The agent did apologize for the error and informed me that they will credit my account. The funds were debited from my bank account and was never credited as promised. Considering these unfortunate situations, I decided to part ways with XXXX XXXX XXXX XXXX and transferred to another cell phone carrier. I executed a call to XXXX XXXX XXXX XXXX, to resolve any billing and or charges that may impact me in the future. The agent request that my bill was zero dollars and request that I stay with them as they are trying to make all effort in correcting my bill. The agent also offered me discounts which I refuse to accept and request my account closed. The very day, I transferred my cell phone service to another carrier to start afresh. On XX/XX/XXXX; 2020, I received a bill via XXXX Mail from a bill collector representing XXXX XXXX XXXX XXXX for the sum of {$160.00}. I then initiate a call to the bill collector to amicably resolve the billing error. I informed the bill collector that I do not owe XXXX XXXX XXXX any money and this must have been an error. They insist that I pay one half of the bill and they will in turn clear the account. I request they contact XXXX XXXX XXXX Cellular to rectify the bill and that if anything XXXX XXXX XXXX owes me funds that I paid to them for several months when I was charged for two lines instead of a single line. In any case, the bill collector threatened me that they will report these charges to the credit bureau and wreck my credit worthiness. I kindly request you please investigate and resolve this matter promptly to avoid these charges to negatively impact my credit worthiness. I have attached the collection document to this complaint to assist with the resolution of my complaint Sincerely XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IN XXXX. Telephone : XXXX Account number : XXXX Credence Credit Collection Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX www.credenqerm.com
05/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89149	Web
I received an alert from a company called Credence who has placed for collection an account on my credit report on behalf of a company called XXXX in the amount of {$150.00}. I received this alert on both my XXXX and XXXX reports. XX/XX/XXXX, I received a collection letter from this same company for this very same account. I sent them a letter certified disputing this account and requesting that they validate this account for accuracy. They failed to do that. I later contacted XXXX about this account and they could not find any information on this account pertaining to my social security number or any other personal identifying information. I never received a response to my letter from the collection company, Credence. I sent them a letter the same day that I received the collection letter so it was within the 30 requested days. Due to the fact that I did not hear from them, I assumed that this situation was closed. I did retain all the records of my correspondence and a copy of my certified mailing and a copy of the letter that I sent to them in case they or XXXX decided to make contact with me again. Prior to receiving their letter, I received a letter from XXXX stating that there was a data breach of their records, which I still have. I also sent them a copy of this letter. I never opened up a T-Mobile account, so I did n't understand why I received a data breach letter in the first place. When I researched this fraudulent collection that they placed illegally on my credit report, I noticed that they claim that this account was opened on XXXX XXXX, XXXX, but when I inquired about this account XX/XX/XXXX, your company stated that this account was opened XX/XX/XXXX. It appears to me that not only are they not verifying accurate information, they are fraudulently placing an account that I disputed as identity theft a long time ago, they never responded to my inquiry, they recently placed this on my credit report, and they are illegally attempting to re-age this account for their personal collection tactics, for an account that was never opened, never authorized, never benefited by me. I have tried calling this company several times, this morning, and I am not able to reach anyone in their office. Thier website states that you are open on XXXX from XXXX-XXXX, but a voicemail keeps picking up. I am extremely upset about this account and their illegally collection tactics. They need to immediately delete this account. I filed a police report this morning. I will also be contacting the Attorney General and the XXXX about this account and this company. If Credence does not remove this account from my credit report immediately, then I will be force me to take civil action against them. I demand that they contact their client and find whoever it is that owes them or XXXX this money, I also demand that they contact the credit bureaus and update my credit report immediately.
04/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
10/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93001	Web
Credence sent me a letter in regard to an account I had with XXXX XXXX XXXX. The account number was XXXX. When this account was closed and a new account was opened by XXXX XXXX XXXX at the recommendation of XXXX XXXX XXXX, I had a credit owed to me. The communication by phone call and the changes took place at the XXXX XXXX XXXX store by a representative and the store manager and the date was XX/XX/XXXX. From that time forward I was not able to access my old account online and I didn't receive anymore paper bills in regard to the account mentioned above. The only account I could log on and see online was my new account # XXXX. I placed several long phone calls to XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. I still had not received the credit due to me. The first representative I spoke with disconnected me after being on hold for 2 hours. The second representative who I spoke with said I would be receiving my credit. She also said she sent me an email in regard to the matter which I never received. I spent many hours on hold with XXXX XXXX XXXX and then would be disconnected over the period of XXXX - XXXX. I never received a refund and in XX/XX/XXXX XXXX XXXX XXXX disconnected my WIFI stating I owed them money. I paid double several times on my new account because I thought my bank had made a mistake and didn't send my auto pay to XXXX XXXX XXXX. As it turned out I then had a large credit on my new account but I kept getting texts threatening to turn off my system. The first week of XX/XX/XXXX I received a " Final Notice '' threatening to send me to collections if I didn't pay an outstanding balance on my old account. The letter also stated not paying would impact my credit score in a negative way. My credit score is in the 700s and I always pay all my bills in full in a timely matter. I spent at least 12 hours on the phone with XXXX XXXX XXXX. I was repeatedly disconnected after questioning what was going on and other representatives said to ignore it while others just gave me a number to call. Finally one woman said she would write an email to resolutions and I would get a call from them within 48 hours. The call was two weeks later and all " XXXX XXXX said was that he didn't have any notes about closing the old account and then I was disconnected. On or around XX/XX/XXXX I received a collections letter from Credence in regard to a debt owed. Yesterday, XX/XX/XXXX I spoke again with XXXX XXXX XXXX asking for proof of service with this account and after 2 hours of being shuffled around I was disconnected. I then called Credence and spoke to two separate representatives over a period of 60-90 minutes and explained the situation and both of them said I needed to pay the debt and then talk with XXXX XXXX XXXX about a refund and then my credit score would not be compromised. These are not the exact words but a summary of the long phone call.
02/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WY 824XX	Web
I have for the last year trying to resolve some high medical bills for XXXX XXXX and Billings Clinic. XXXX XXXX, XXXX. sent me to a collection agency. I do feel that they were paid but they refuse to investigate it. I was never mailed a bill from them letting me know that there was a balance on my account until the collection agency contacted me in XX/XX/XXXX. Now XXXX refuses to speak with me so that we can get this resolved. Initially they billed the incorrect insurer who was not the primary and were denied by XXXX ( secondary ). I can not see where they billed XXXX at all under the name XXXX XXXX XXXXXXXX. There is a match on my claims for XXXX for the amount that XXXX is saying I owe. I believe they were paid. The real problem stems from XXXX XXXX and XXXX XXXX XXXX XXXX of Wyoming updating my Coordination of Benefits. I have a primary and a secondary. They are both refusing to pay medical bills to XXXX XXXX, XXXX and Billings XXXX. At the time XXXX was my primary insurance and XXXX was secondary. I have tried for the last year to get this straightened out by mail and by phone. Nothing has worked to get this fixed. I do have documentation that I will also be sending. It's rather confusing so I will try to shed some light on this. These amounts don't match up exactly I think due to a plan discount. XXXX billed different amounts to XXXX and XXXX.??? XXXX XXXX billed XXXX for {$19000.00} on XXXXdenied because XXXX was secondary insurer. I do not see where XXXX re-submitted this for a claim. Originally XXXX denied the claim of {$21000.00} - ( {$1900.00} plan discount ) = XXXX on XX/XX/XXXX. The claim shows that the bill was submitted by XXXX XXXX XXXX not XXXX XXXX. It was denied because they did not think they were the primary insurance when in fact they were. I am clueless why the claim was not submitted under their name and under XXXX XXXX XXXX. Another claim was submitted to XXXX from XXXX XXXX Montana on XX/XX/XXXX for {$21000.00} - ( {$1900.00} plan discount ) = XXXX. This claim was paid on XX/XX/XXXX. XXXX XXXX was paid. I am clueless why the claim was not submitted under their name and under XXXX XXXX. Personally, I think that they must have done the billing for XXXX. I am not sure exactly the relationship between the 2 companies, but I do know they work together. XXXX is an air/ground ambulance service and XXXX is a hospital/healthcare system of sorts. I have called both XXXX XXXX and XXXX XXXX to ask what the relationship is between the 2 but I wasnt able to find anything out. The other high bill is for XXXX XXXX $ XXXX. XXXX and XXXX has paid them nothing. They each claim that they are not the primary insurer. I think once the coordination of benefits is straightened out XXXX XXXX may need to re-submit the claim and finally get paid. I am afraid that they soon will turn me over to collections as well.
01/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23666	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This CREDENCE RESOURCE MANAGEMENT account with a balance of {$150.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FCPA lawyer.
08/31/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA XXXXX	Web
Back in XX/XX/XXXX, I contacted XXXX cellphone insurance plan through XXXX XXXX XXXX for a replacement. I ordered an XXXX XXXX XXXX XXXX for a deductible of {$290.00} on XX/XX/XXXX and that phone never reached my door as the insurance adjuster intercepted that phone and it was sent back to warehouse. I called XXXX XXXX XXXX and XXXX together to get this issued resolved and so another XXXX was sent to me on XX/XX/XXXX and I received that one. On my billing for XX/XX/XXXX I see 2 charges on my XXXX XXXX XXXX bill and I called XXXX XXXX XXXX and they said that I had to call XXXX to resolve this. I called XXXX and nothing was done to correct the issue. I called again in XX/XX/XXXX and wrote the name of the representative and said it would take 2 to 3 billiing cycles for a refund. But that never happened either. My XXXX XXXX XXXX bill was very wrong for 4 months because the overcharge was not refunded in a timely manner and XXXX XXXX XXXX closed my account and now I owe XXXX XXXX XXXX {$3900.00} in XX/XX/XXXX. I tried to make payment arrangements with XXXX XXXX XXXX but still with no refund I could not keep up being charge late fees for owing XXXX XXXX XXXX so I said I could not pay it and I let it go and went to a government paid subscription with XXXX as I owned my phone XXXX XXXX Active. I had my BCM ( Blended Case Manager ) XXXX help contact XXXX and she was taking notes from the call as I was speaking to them and I received an email from XXXX on XX/XX/XXXX that they have just refunded my XXXX XXXX XXXX account {$290.00} and I did not agree with that decision when they are guilty under law to refund the overcharge of an XXXX which I never received and now the account is in collections. I did contact XXXX representative immediately after I received my bill. I have disputed the collection with Credence Resource Management , LLC and nothing is being done because now I am contacting CFPB for reporting XXXX negligent to refund in a timely matter when it was their mistake when their insurance adjuster intercepted the first XXXX XXXX XXXX XXXX and I never received it. But yet XXXX billed XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I had signed up with XXXX XXXX XXXX BOGO in XX/XX/XXXX before my ending of my billing cycle. I was told by XXXX XXXX XXXX representative that I would start seeing credits for the BOGO in 2 to 3 billing cycles but never did. Once XXXX billed me for an XXXX XXXX XXXX XXXX on XX/XX/XXXX my bill was too high and wrong and XXXX XXXX XXXX never gave me the credits because XXXX billed me wrongly and should be held responsible for my XXXX XXXX XXXX account collection. XXXX XXXX XXXX XXXX XXXX, TN XXXX No Phone number All transactions done online through XXXX and XXXX I did receive an email from a representative and it is in the documents that I have provided.
08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 352XX	Web
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
11/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 73013	Web
In XXXX I got married and moved to a home with my husband ( XXXX ). I had XXXX for cable and internet, as did he. We merged our accounts. We had a technician come to our new home who looked at all our old equipment from both homes and said they were obsolete and he could not use them and he then installed new equipment and left all the old equipment. Several months later ( XX/XX/XXXX ), I received communication from a debt collector ( XXXX XXXX XXXX XXXX ) regarding owing {$1400.00} in equipment fees and last month bill. I immediately paid the past due amount for the last bill ( even though we still had XXXX at our new residence and they had never sent notice to us ) and then took the equipment I had to the XXXX store where they logged it in and returned it to XXXX. XXXX then claimed we still had {$400.00} worth of equipment, which I denied on XXXX and requested proof of owing any equipment as we had turned in everything we had in our possession. I received nothing from XXXX, and the debt collector told me they were closing the matter. That was in early XXXX. Approximately XXXX, I noticed a new entry for a debt collection on my credit report from Credence Resource Management for around {$400.00}. I had never received notification of any past due account from them or XXXX since XXXX. They told me it was for the XXXX bill. I disputed that I owed it and told them I felt it was illegal to report it on my credit report as I dispute the bill entirely and they and/or XXXX should pursue this in the legal venue. I received no further communication from them. My address was the same as it was in XXXX, as was my telephone number and e-mail address. I received a notification from XXXX that, again this month, Credence Resource Management has posted a past due account in collections. They have not contacted me via mail or email or phone. I have never at any time received a validation notice from them either now or in XXXX. They have never communicated with me in writing, even after our original communications in XXXX where I requested all communications occur in writing and provided them my correct address and e-mail address to verify they had it. I feel this is a fraudulent attempt at collections. I have at all times vehemently denied that I owe this debt and have at all times requested proof of owing this debt, and I have never received one shred of evidence. This continual refiling of an old debt on my credit report is harassing and improper, in my opinion. The original dispute happened in XXXX of XXXX. It is now XXXX of XXXX, yet they are still reporting this on my credit as a new account from XXXX. This company is acting outside the bounds of good-faith attempts at true debt collection and should be held accountable for their illegal and harassing actions.
04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 132XX	Web
To Whom it May Concern, I am reporting two incidents of identity theft involving myself. On XX/XX/XXXX, I noticed a XXXX XXXX XXXX XXXX account attached to my XXXX credit report. I contacted XXXX XXXX XXXX various times from XX/XX/XXXX - XX/XX/XXXX in attempt to dispute this fraudulent account. On XX/XX/XXXX, a closed XXXX XXXX account with five late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was added onto my XXXX credit report. Ive had a XXXX XXXX account for a long time and have always made monthly payments on time. The fraudulent XXXX XXXX had directly impacted my personal and professional life which has caused me a significant amount of stress and XXXX. The fraudulent XXXX XXXX account has XXXX late payments with red late payment showing on my credit report. I have attached documents of my accurate XXXX XXXX account as well as on time monthly payments with green checked marks for reference. During XX/XX/XXXX - XX/XX/XXXX, I spoke with several differenXXXX XXXX XXXX XXXX representatives during this time frame. Each XXXX XXXX XXXX representative I spoke with told me different solutions regarding my situation or hung up the phone on me. I throughly explained my situation and being victim of identity theft. For example, in XX/XX/XXXX, one representative assured me he would be taking the account off my XXXX credit report and that I would not be charged anything and no further actions would need to be taken on my part. Yet again, another representative promised to me that the account and debt would be taken off my credit report and no further steps on my part would be necessary. After several months and various attempts to resolve the situation, I escalated the situation to an higher up XXXX XXXX XXXX employee who could not help me either : Around XXXX, I noticed a new fraudulent error on my credit report. That fraudulent error being a {$910.00} XXXX XXXX XXXX balance in was sent to Credence Collections. On XX/XX/XXXX, I disputed this fraudulent debt from XXXX XXXX XXXX for the XXXX time and XXXX finally removed the {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors from my credit report. However, in XX/XX/XXXX, a new {$910.00} XXXX XXXX XXXX balance from Credence Debt Collectors was added on my credit report again after XXXX removed it the first time on XX/XX/XXXX. On XX/XX/XXXX, I disputed this fraudulent account once again by contacting the XXXX disputes department. Due to this situation, my overall credit score has significantly decreased which has directly impacted my personal and professional life. This has been an ongoing traumatic situation for myself. I do not know what to do at this point to resolve this as this has been an ongoing issue since XX/XX/XXXX and XX/XX/XXXX.
04/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22192	Web
Attention Credence Resource Management , LLC I am hereby DISPUTING your claim on behalf of XXXX XXXX XXXX. Your Reference # XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$340.00} Closed XXXX XXXX XXXX account Due to Lack of Service Signal and Repeated Dropped Calls I Never received your Collection Notice that XXXX XXXX XXXX claims I owe this amount {$340.00} NOTE # 1 I called your I office on XX/XX/XXXX, when first became aware of this XXXX XXXX XXXX claim when my Credit score was adversely affected. Your agent told me that XXXX XXXX XXXX had sent the claim to your office on XX/XX/XXXX and that you had sent a letter dated XX/XX/XXXX to my office address. I never received this letter. As you are well aware that due to the current Coronavirus Pandemic and Stay-at-Home Orders, offices and business are closed and mail has not been forwarded. Furthermore, you never contacted me on my phone or by text to inform me of this claim. Furthermore, under these current circumstances, you rushed in and filed a DEROGATORY reporting to the Credit Agencies on XX/XX/XXXX and then again on XX/XX/XXXX a second time, even after I had informed you on XX/XX/XXXX, that I was disputing this claim by XXXX XXXX XXXX. NOTE # 2 Regarding this XXXX XXXX XXXX Mobile Phone number XXXX account : 1- I opened this account on XX/XX/XXXX - have been a good customer for over 13 years. 2- Closed account on XX/XX/XXXX DUE to lack of Signal Service and repeated Dropped Calls since I moved my residence and office to different locations. 3- At the time I closed the account with XXXX XXXX XXXX , I was informed that there would not be any more additional charges and that I had already paid off the current balance. 4- On XX/XX/XXXX I called XXXX XXXX XXXX as to why I received another bill and I was told by the agent that I had been auto generated. When I disputed this as to why it was NOT prorated was informed only a supervisor can correct it. I was also told that since I had been a loyal customer for over 13 years, that this should not be a problem. 5- I was also told that if any issue remains then a supervisor would call me within 32 hours. I never received a followup call from any supervisor, to this date. Therefore, I assumed that this issue had been resolved and that I did not owe any balance due. I am hereby requesting that the Derogatory Reporting to the Credit Agencies be Removed. I Do NOT owe this amount and was NOT informed as to this XXXX XXXX XXXX claim. No second Notice or any phone calls and NOT even Text Messages were received by me regarding this claim. I still maintain the same Mobile Phone number I had with XXXX XXXX XXXX. Please inform me as to your actions regarding this urgent matter. XXXX XXXX Same Cell Phone # XXXX XXXX
02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46845	Web
I had two accounts with XXXX. I closed my ohio account XXXX. This left only my Indiana account XXXX. I received communication from XXXX that I had a credit of {$130.00} on my Ohio account. I called and spoke to a representative and asked for the money to be transferred to the Indiana account. The representative stated the money could be transferred. I then received a prepaid credit card in the amount of {$130.00}. I am going to assume the money could not be transferred to the account in Indiana. The Indiana account is paid current, and the Ohio account was never delinquent or missing a payment. At the later part of XXXX, I received a call from XXXX XXXX XXXX stating they were trying to collect a debt. I asked for who and they said they did not know the company they were collecting for or any information on that company. I asked to speak to a manager and was sent to a voicemail. No return call. Within a week I received another call from them stating they were collecting for XXXX. I told them I had no delinquencies with XXXX and asked for XXXX tel # to contact. They stated they could not help me with that. I then contacted XXXX and spoke to 2 different people. One was a rep and the other was a collection manager. Both stated that they would take care of the situation and not to worry about the account as they seen where their error was. I did not hear anything from XXXX or XXXX again. At this point, I had not received any communication on that particular account stating it was past due. So when they stated that the account was taken care of, I did not think about it till yesterday XX/XX/XXXX. I received a call from a XXXX XXXX that stated he was calling from Credence Financial Recovery regarding the delinquent XXXX account. He said it was delinquent and would be reported to my credit bureau at any time. He continued to ask how I was going to pay my debt. I advised I had not received any communcation in regards to this account and that I do not owe the debt. He again stated how was I going to pay. I told him again that I have never received any communication and I need to see something in writing. He stated the letter will say the exact same information. I told him so be it, but i wanted something in writing. I am still waiting for the letter but they did state it would take 2-3 days to receive. My complaint is that I do not owe this debt. XXXX told me twice it was taken care of and did not send any communication to this account, XXXX stating they did not take care of it, nor they were sending it to collections. My confusion is they communicated an overpayment, sent a pre paid credit card and then sent me to collections with no communication nor correspondence. I received nothing from XXXX, XXXX XXXX nor Credence Financial.
12/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60091	Web
We have contacted XXXX, as well as multiple collection agencies numerous times to clear up an erroneous derogatory credit report. All supporting documents, including a " paid in full '' statement, and a chat transcript with XXXX customer service clearly supporting our assertions, have been provided to XXXX, XXXX, CRM, etc. The collection agency ( the most current collection agency is called CRM a/k/a Credit Resource Management ) is refusing to remove the error. XXXX refuses to remove the error, claiming that the collection agency has " certified '' that the debt is valid. Yet, even though we have provided original copies of our account being satisfied, XXXX has chosen to ignore all of our documentation showing a {$0.00} balance, closed, Paid-in-Full account. CRM a/k/a Credit Resource Management Contact Info : Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Furthermore, and most problematic is that XXXX is repeatedly selling this " debt '' to successive collection agencies. This has lead to consistent and multiple copies of this " debt '' being reported to XXXX ( XXXX is the ONLY reporting agency that has refused to remove the error ). Below is a copy of the latest message sent to XXXX via their online portal. XXXX has acknowledged receipt of all my correspondence. I hope you can assist with this matter. Thank you. -- -- -- -- -- -- -- -- -- XXXX, The derogatory information posted by Credence Resource Manag a/k/a CRM, on my credit report is erroneous and we are demanding a thorough review of the documents that support the satisfaction of the debt as uploaded alongside this message. XXXX via their many credit collection agencies has posted this error at least 3 times in the past. Each time, we have re-submitted all the documents and each time, the report was properly removed by XXXX. Now comes, CRM to post yet another derogatory filing. We anticipate that XXXX will do the right thing once again and remove the error. I have virtually signed and authenticated that the documents I am providing to you are valid and accurate. This should suffice as clear and proper evidence to remove the error and correct my credit report. Please be on notice that this issue is causing us financial harm, as we are currently unable to apply for and get financing at the appropriate and best financing terms available. If it becomes necesarry, we will open formal complaint against CRM, XXXX, XXXX, et. al. in the proper legal venue that will have jurisdiction to impose and award financial and other damages caused to me by the erroneous information shown to prospective creditors. I look forward to your amicable solution within 30 days before taking the necessary action.
11/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 560XX	Web
We received a debt collection letter from Credence debt collectors that said we owed XXXX a final payment when we closed that account. We changed our service from XXXX bundled with XXXX internet service on XX/XX/XXXX. We paid {$170.00} to the combined internet/XXXX charge, of which {$130.00} was our last payment to XXXX. It was paid XX/XX/XXXX, posted XX/XX/XXXX to that combined company account. We repeatedly called both XXXX and XXXX to resolve getting that final payment posted correctly when we kept getting emails that it was past due. The problem is with how XXXX XXXX XXXX, XXXX and XXXX XXXX systems are being integrated. Actions : XX/XX/XXXX : Talked to XXXX XXXX. He said we were paid through XX/XX/XXXX and it takes 1 billing cycle to unbundled the services. If we called XXXX to cancel before that, they would credit back any unused days. XX/XX/XXXX : Talked to XXXX. XXXX. We canceled our service on this day. She said our service with XXXX would end at XXXX XXXX on XX/XX/XXXX. She said the account was being converted to the new XXXX XXXX XXXX/XXXX system so the payment was not yet posted for XXXX. XX/XX/XXXX : Talked to XXXX. XXXX -- XXXX. After receiving a bill from XXXX, we called to see what is happening. He had to find our new account number after he could not find our previous XXXX/XXXX account number. He said he could see our payment of {$130.00} in their system and it would be posted once they converted their system. He confirmed that he could see our cancellation order and that we should not be billed any further. XX/XX/XXXX, XXXX XXXX Talked to XXXX ( employee # XXXX ). XXXX. We did not receive a confirmation that the payment was made to XXXX so called to confirm. XXXX said there was an entire XXXX team to help with conversion, and I needed to talk to the combined billing department. XX/XX/XXXX, XXXX XXXX. XXXX. Talked to XXXX later that same day. He transferred me to combined billing department. I talked to XXXX ( employee # XXXX ) who said the payment transfers are still in progress from the old system to the new system. Once the system updates, she confirmed that the payment was there, and it would be applied. She said to stop calling, and I do not have to worry, she sees all my calls on the account notes. She said to ignore the bills that will continue because she can see the payment is there. This is not a collection account. XXXX/XXXX XXXX XXXX can not get their system corrected. If you listen to the recorded transcript of my conversation with XXXX, she is actually annoyed that I continued to call about this. We have been XXXX customers since XXXX, never once with a late payment in 20 years and did everything we could to make this payment correctly.
05/19/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 780XX	Web
Final attempt to resolve the validity of this debt, cease collection activities, and XXXX am this morning was not a good time to call me and threaten legal action up to including jail time. " This correspondence is in reference { ... } a supposed debt still owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Service XX/XX/XXXX. The disputed amount was included in billing on XX/XX/XXXX and paid by XXXX XXXX Check on XX/XX/XXXX, received by XXXX XXXX XXXX on XX/XX/XXXX. A further communication from XXXX stated an additional amount of XXXX was still remaining as on XX/XX/XXXX and that amount was paid XX/XX/XXXX and confirmed received via phone conversation with XXXX XXXX XXXX XXXX XXXX, with XXXX ( sp ), on XX/XX/XXXX. XXXX XXXX was unwilling to confirm any additional information, at that time, as the account had been turned over for collections. 1. You will cease and desist all collection activities 2. You will no longer contact her at any numbers you have listed for her 3. We will only recognize written contact with the resolution with this matter from the initiating creditor to include an apology from their escalation department 4. You are being reported to the Consumer Financial Protection Bureau for harassment of the above named individual a. Continuing to attempt phone contact after being advise, via phone conversation on XXXX XXXX, XXXX that the debt was disputed b. Continuing the initial phone contact with consumer after being advised she was currently in the XXXX with XXXX access to financial information c. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX and insisting she provide you with banking information YOU contacted the consumer, the consumer is not obligated to provide financial information without first verifying the call is legitimate and not a scammer d. Continuing the initial phone conversation with the consumer on XXXX XXXX, XXXX with derogatory statements and threats of legal actions that could include jail time e. Additional attempts to contact the consumer on XXXX XXXX, XXXX after a nurse confirmed that she was in the hospital and unable to take phone calls of this nature f. Continuing to attempt phone contact with consumer after written notification, sent via certified letter from XXXX XXXX XXXX XXXX client 's attorney- on XXXX XXXX, XXXX g. Continuing to attempt phone contact with the consumer 5-20 times per day h. Attempting to contact the consumer almost 100 times in a 30 day time frame 5. Per contact with XXXX on XX/XX/XXXX, at XXXX, it was confirmed by XXXX XXXX this debt was paid in full on XX/XX/XXXX and should have never gone to collections
11/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
THE COMPANY, CREDENCE RESOURCE MANA, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE CONSUMER BUREAU PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( e ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. CREDENCE RESOURCE MANA HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. CREDENCE RESOURCE MANA REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.
09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 49022	Web	Older American
Three or four weeks ago, I received a phone call from a Credence Resources Management LLC stating that they were calling to collect a debt. I told them I have no debt that is in collection. They stated it was for XXXX for some equipment that wasn't returned. I told them that it is an illegitimate debt, because I don't owe XXXX anything and that I returned their equipment as instructed within three days after they emailed me. They kept saying they were to collect $XXXX dollars and I told them that I don't owe anything and I am not going to pay anything. I went on to state that I maintain a credit rating over 800 by paying all my bills and on time. In the last week, I began receiving credit notifications that my rating was being changed. When I checked, I see where Credence has put a collection item on my record. They did so knowing that I denied having any indebtedness to them or XXXX. They also affected my credit by doing a credit check on me. I believe they did this in the belief that I would pay this even though I don't owe it just to protect my credit rating and I feel this is an intentional fraudulent act. I reached the end of a two year promotion of XXXX internet and television service as of the end of XX/XX/XXXX this year. Within days, I received an email from them requesting that I take a specific piece of equipment to XXXX who would package and return their equipment. The email listed one item (a router with a picture of it and the serial number. I followed up within two or three days and returned the equipment they requested. About a month or so later, someone called from XXXX asking about equipment, and I told the lady that I had taken the Router that was requested in the email to XXXX and that I had the email and at the time I also had the XXXX paperwork. She asked that I send it to her which I did. I also told her I had some other stuff and what should I do with it. She said that I should follow the email instructions and send what they requested, which I had done. About two to three months after the service ended, I began receiving calls from XXXX with offers to resume service with them. I told them that I already had a new service provider (XXXX). I also told them that I had returned what XXXX asked me to but that I still had some XXXX equipment that they didn't ask for and what should I do with it. On two to three of those calls, I was told either, "I will look into it, or I will take care of it" and nothing happened. I finally put the stuff in a trash bag and my wife set it out. (There are no XXXX offices or service centers around.)
09/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold Credence Management by XXXX XXXX XXXX. I also advised them that if XXXX XXXX XXXX have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an account summary ( ATTACHED ). An account summary validates an amount due, but not validate or verify that the debt belongs to the consumer. They sent me an account summary of charges to validate a debt. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life. As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Credence Management company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Credence Management to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, no jurisdiction and punitive damages.
03/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98116	Web
XXXX has been attempting to collect a debt from me. Over the course of the past 1.5 years, they have used multiple debt collectors, who have all contacted me and all failed to provide me with documentation of my debt. I have been contacted by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Credence Resource Management , LLC. I have provided written requests to these various debt collectors asking for additional information regarding the debt that XXXX claims that I owe. Credence is the current debt collector that is contacting me ; I have requested additional information from Credence in order to dispute the debt, which Credence has failed to provide ( None of the other debt collectors or XXXX have provided this information either ). Credence has stated that I owe the debt without providing me with appropriate proof in order for me to dispute the claim. The following communications with Credence have occurred : XX/XX/XXXX : I received a letter from Credence in response to a letter I sent to XXXX requesting documentation of my debt ( I assume that my account was moved from XXXX to Credence but am uncertain since I have been contacted by multiple debt collectors regarding the same debt ). Credence provided me with a document for the billing period of XX/XX/XXXX, XXXX XXXX, XXXX. This billing period is six months after I had closed my account with XXXX The document provided does not include any detail on what is being claimed that I owe. For example, the document says there is a previous balance of {$450.00}, which I can not confirm for what. XX/XX/XXXX : I sent a letter to Credence requesting that they send me my complete XXXX billing history from XX/XX/XXXX through XX/XX/XXXX so that I could confirm what XXXX is stating that I owe. These documents are my monthly billing statements that XXXX removed my access to when I closed my account. XX/XX/XXXX : Credence sent me a letter without the requested billing history. The letter stated that they received my dispute and verified that the charges are valid. They also sent me a second letter dated that same day for where I could send a payment. XX/XX/XXXX : I sent a letter to Credence requesting the same information I had asked for in my XX/XX/XXXX letter. XX/XX/XXXX : I received a letter from Credence with the same documentation that they sent in the letter dated XX/XX/XXXX. Again, this documentation does not provide an itemization of the debt that is being claimed that I owe. It states that I have a previous balance of {$450.00}, but I can not verify what that amount is for.
08/26/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 90046	Web
In XX/XX/XXXX, I noticed my credit score suddenly dropped about XXXX points. I immediately called XXXX to understand what happened as I always pay credit cards on time and have no debts. I was informed that a company called Credence Resource Management was trying to collect a debt regarding internet services from XXXX XXXX XXXX for {$180.00}. On XX/XX/XXXX, I immediately disputed the charges and provided proof that XXXX confirmed the cancellation of my services on XX/XX/XXXX. However, XXXX continued to charge me through XX/XX/XXXX, despite confirming my services ending in XX/XX/XXXX. - XXXX removed my account from being visible so i never even knew that there was a charge on my account to begin with. - I was NEVER notified or contacted by Credence Resource Management about their attempt to even collect any debt. I have no mail or email or phone calls from them. After I disputed with Credence Resource Management and provided proof of service cancellation, they replied on XX/XX/XXXX, claiming the charges are valid. I called them to understand how that is possible and they said they no longer handle XXXX & XXXX as an account, so they wouldn't even be able to collect the debt, let alone investigate it. I called XXXX on to find out who they have hired to collect the debt and NO ONE was able to help me, none of the representatives were able to find out that information. I have call logs for 2 hour and 10 minutes until i reached someone who was able to take the payment. I proceeded to pay the {$180.00} in hopes that my credit score can go back to normal - at this point my main concern was my credit, not the charges even though they are invalid. I still do not know who XXXX has hired to collect a debt that i never owed in the first place, nor do i know how to bring my credit back to its original score. I am asking for justice and help here, I am a model citizen, i pay my taxes and have no debts, with a perfect credit score. This situation has completely stopped my ability to buy a home, or even move to an apartment because my credit got hurt by something i did not even know about. This probably has gone on my record as well without my knowledge, hurting my chances to ever buy a home or getting clear background checks. Please help me resolve this matter to bring my credit score back to normal. I appreciate all your help and have attached the documents that provide proof of cancelling internet service along with my email with Credence Resource Management, who investigate a charge for an account they do not even work with. Thank you. XXXX XXXX
05/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92592	Web
This account CREDENCE RM XXXX balance {$160.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
10/10/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 95051	Web
Hi, I used " Rural metro - Ambulance '' service on XXXX XXXX XXXX for my daughter. I provided with my insurance information to the people in the Ambulance when they took all my information but it was never cascaded down from there. Months after the service, I got a bill from XXXX of California asking me to pay the bill of {$1700.00} or Provide my insurance details. I provided them with my XXXX insurance after checking my coverage eligibility with XXXX. For almost a year, XXXX of California submitted the claim to XXXX 3 times with incorrect diagnosis code which was pointed out clearly by XXXX but yet, the same claim with incorrect code was again n again sent to XXXX by XXXX of California. Recently I got to know that XXXX XXXX has handed it off to Collection agency ( Credence resource management ). I called the collection agency on Friday ( XXXX XXXX XXXX ) and provided all my insurance details and today morning ( XXXX XXXX, XXXX ), I went ahead and did a three way calling between the insurance agent ( XXXX ) and the insurance agent in the debt collection agency ( Credence ) to explain the root cause of the problem so that they can address it and send the correct claim to XXXX. After my multiple discussion with Credence resource management in last couple of days, I feel that the information that is being told to them is not properly documented and cascaded across their departments. For instance, I provided the insurance #, address of the insurance company etc. to them during my conversation, however they mentioned to XXXX during my three way call saying they do not have any info on file. This is one of the many problems I have experienced with the Debt collection agency. Also the collection agency insurance agent tells me that I have to wait for 30 - 45 days so that they can prep all the information needed to be sent to XXXX for processing the insurance and I m worried if anything will be messed up again. This has become my part time job to make sure XXXX XXXX XXXX or right now the collection agency talks with our insurance company and typically both XXXX XXXX and this collection agency expects me to literally do the three way calling and just be a middle man to make both of them talk. It is extremely frustrating experience so far and I m worried how this process will even end. Request you to please look into this issue and reach out to me if any questions. Here are my details. Name : XXXX XXXX Creditor : XXXX Creditor Account number : XXXX Creditor Reference Id : XXXX Balance due : {$1700.00} My email : XXXXXXXXXXXX My Phone : XXXX
04/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75206	Web
I have an outstanding bill of {$310.00} that I am disputing. I have been dealing with XXXX XXXX XXXX and XXXX XXXX customer service teams sinceXX/XX/XXXX. My issue started when I initially tried to do a transfer of billing responsibility. After numerous 60+ min phone calls with their XXXX lines, I eventually went into an ATT store, where they advised me to just cancel my account and start over. They ensured me that I would not be charged for the months I was without cable ( XX/XX/XXXX) - however, I recently received a bill from a collection agency in XXXX. Followed by numerous harassing phone calls from the Collections Agency ( they've called me 12 times today alone, in the past hour ). When I did try to settle my bill with them, XXXX, the bill collection agency, was incredibly rude and threatening. Therefore, I tried to call XXXX XXXX XXXX and XXXX to resolve the bill directly with them, neither of who will actually take responsibility and offer any helpful solution. They are stating I have an outstanding bill for two months of service that were never paid. However, I did not have cable in my house from the months of XX/XX/XXXX In XX/XX/XXXX, my service was finally re-installed per XXXX XXXX XXXX XXXX suggestion, to set up a new account. I should not have to pay for two months of service I did not have, due to lack of record keeping. They are trying to say my services were not turned off until XX/XX/XXXX- which is not true. All in all, this has been the most miserable experience. There has not been a single customer service representative who has been able to provide me with a helpful solution, and instead I've been passed off from department to department, just to have to start my explanation over. I originally signed up for XXXX internet + cable, but through the transfer of billing responsibility, my bills were split and my headache began. I was never provided with a XXXX account number, login information, etc., I also called numerous times to have the information on the account switched, to which lead to never being saved. So, when I called to get assistance, I would spend 45 min just trying to log into the proper account because XXXX has no insight into XXXX XXXX and vice versa. Let me end by saying I have been dealing with this headache since XXXX XXXX XXXX, coming up on 9 months now. I am exhausted and would just like to a resolution. I don't feel its right I pay a $ 300+ bill, for services I did not have and an experience I deemed so terrible I ultimately paid more to cancel.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 721XX	Web
XXXX XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. The entry on my reports reflect that XXXX XXXX XXXX reported this entry in XXXX 2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX XXXX. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the multiple disputes. To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 5 months to respond to me, yet they have not. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. Why did they not provide a dunning letter to me prior to inserting this entry on my reports? Why are they continuing to report this negative entry on my report when they have clearly violated my consumer rights. Being this alleged account is considered a utility account, XXXX XXXX has not provided me with copies of any terms and conditions that XXXX have changed over the course of this account being established that would validate this alleged entry belonging to me. Even more specific is the reporting they are doing among the bureaus. The bureaus reflect different information for this same account. Again, further proves the inaccuracies and their negligence. It is obvious that XXXX XXXX XXXX has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19406	Web
CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CREDENCE RESOURCE MANAGEMENT company this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You CREDENCE RESOURCE MANAGEMENT knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15221	Web
On XX/XX/XXXX, while applying for a mortgage, my lender made me aware of a major derogatory account on my credit reports from XXXX and XXXX. XXXX XXXX XXXX subsidiary XXXX was attempting to collect a debt of {$750.00} from me through XXXX XXXX XXXX ( XXXX, FL ) collection agency. I had never had a XXXX account. I opened disputes with XXXX and XXXX on XX/XX/XXXX both of which were resolved in my favor. The item was deleted from XXXX report on XX/XX/XXXX and XXXXXXXX XXXX on XX/XX/XXXX. I have attached reports for both disputes. ( I should note that the presence of this item on my credit report had a negative impact on the interest rate on the mortgage for which I was approved ). While going through my credit report again on XX/XX/XXXX I became aware of another debt collection claim against me from XXXX which had been filed on XX/XX/XXXX. At this time XXXX hired Credence Resource Management ( XXXX, TX ) as the collection agency. I immediately filed a new dispute. On XX/XX/XXXX I received a Fraud Packet from Credence to my actual home address which they were apparently able to obtain through the dispute I opened with XXXX. The gist of the letter was that I had filed a fraud and identity theft claim and that in order to make this claim I was required to send Credence an affidavit, valid US government issued ID and a police report. Of course, I had not made a claim of identity theft, but mistaken identity. The situation was more like debt tagging but with the creditor rather than the collector undertaking the debt tagging by hiring successive collection agencies to refile the false claim. On XX/XX/XXXX my XXXX score was decreased by XXXX points and my credit rating was downgraded from very good to good. There were no intervening alerts in my credit report to explain the sudden and substantial decrease in my XXXX score. I should note that only XXXX acknowledged Credence Resource Management Cos effort to flag me as a credit risk. I continue to be in touch with XXXX to resolve the current dispute which is little more than a zombie version of the claim I discovered in XXXX. It is very important that this matter be resolved once and for all and that XXXX in particular be held accountable for their actions. It is an undue burden for consumers such as myself who are working hard and paying their bills on time to have to constantly be on guard for false debt claims from large corporations whose incompetence causes real world consequences for consumers.
11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27215	Web
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. CREDENCE RESOURCE MANA Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
08/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
1.I have never had an account with this company CREDENCE RM XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDENCE RESOURCE MANAGENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 079XX	Web
My Experian credit report I keep getting a collections charge that I do not owe with the originator name as : ATT Mobility. The collection agency name is Credence Resource Management, Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, TXXXXX. They opened this collections account on XX/XX/XXXX. Account Number stated as : XXXX But I have been having XXXX as my mobile service provider. I called XXXX XXXX and inquired whether I owe any money to XXXX XXXX with my phone number : XXXX confirmed that there is no such account that starts with XXXX and there is nothing due on my name. Since XXXX XXXX, I started having this fraud collections account activity appearing every year in my credit file reporting collections due as {$270.00} to {$290.00}. This year they reported it is reported as {$290.00}. When I called Credence Resource XXXX on XX/XX/XXXX around XXXX EST. XXXX XXXX XXXX XXXX. There was a person with XXXX accent picked up the phone and when I explained that I don't owe any money to XXXX XXXX, then the agent agreed to mark this as a fraudulently opened account. Unfortunately I have shared my last 4 digits of social and my address for verification and they said they will be removing this fraud collections account from my credit file. But I have not seen this fraud collections account removed. I have reported experian and opened a dispute. XXXX has suggested me to file a complaint with Consumer Financial Protection Bureau. I got to know when I am applying for homeloan and due to this fraud collections entry, now my bank has increased the interest rate and APR and initial delivery fee significantly. I always pay all my utility bills, credit card bills and all car loan EMIs and all the payments promptly. Since there is no record of my account with XXXX XXXX how can I pay and remove this fraud collections entry from my credit file. I have also reported this to XXXX XXXX and working with them to write to all three bureaus requesting them to remove this fraud collections entry from my credit file. Having said that I clearly see my SSN and my home address and home number has been hacked by some fraud, who is misusing it and damaging my credit score. When I searched about Credence resource management review in XXXX, I saw similar comments and bad experience from numerous people. I would like to request you to take action against this fraud people who is using credence resource management to do this fraud activity. Thank you.
04/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43204	Web
1.I have never had an account with this company CREDENCE RM XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDENCE RESOURCE MANAGENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
02/04/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AR 72701	Web
I spoke on the phone on multiple occasions with XXXX XXXX XXXX/XXXX account representatives regarding the final bill I received in the amount of {$420.00}. Here is what transpired that led to the billing issue : 1 ) I called on Friday XX/XX/XXXX to cancel my XXXX service at the end of my 2 year contract period which would be XX/XX/XXXX. When asked why, I said it was too expensive and we did not watch very much. The agent on the phone offered to greatly reduce the price and add XXXX XXXX. I said my family does not watch XXXX but might be interested in XXXX. After further discussion I agreed to accept continued service at a significantly reduced monthly cost plus the addition of XXXX coverage. At no time in this call was I informed I would be entering into an additional contract period. Nor was I informed that I would be losing XXXX coverage. 2 ) That weekend, I discovered that I had lost XXXX coverage. On the next business day ( i.e. Monday XX/XX/XXXX ) I called back and said that the changes were not what I had expected and I wanted to go back to what I had originally intended which was to cancel my service at the end of my two year contract period XX/XX/XXXX. The agent tried to talk me out of it but I felt like I had been misled and did want further dealings so I was firm and said cancel at the end of my two year original contract. 3 ) On Monday XX/XX/XXXX, I received an email from XXXX XXXX XXXX that was an order confirmation for the service I had agreed to the prior Friday. Their position appears to rest on that email informing me of my contract being extended. But their position is ludicrous since I canceled the order the same day i.e. the very next business day after I learned XXXX had been deleted. They have sent the bill to a collection agency who is contacting me repeatedly. I have let the collection agency know what transpired but they just sent back a response simply saying they contacted the creditor who maintains that I owe the money. They did not conduct any independent review of the validity of the amount being collected. This is false billing and I will not pay the early cancellation fee. I am concerned, however, that they will file a report with the credit agencies and damage my credit. Your assistance in the matter would be greatly appreciated as they clearly have no concern with maintaining fair and reasonable billing practices. I have also contacted the FCC regarding this matter.
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46224	Web
This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$690.00}. Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing that the account is being reported accurately. Be advised that the deception of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name address and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature. As per FTC opinion letter from attorney, XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau and the attorney generals office. Should you continue in your non compliance of federal laws under the fair debt collection, practices act, the fair credit reporting act in the corresponding local state laws. I further remind you that you may be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : - defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 807-8 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 -b ) You will be required to appear in a court being used local to me in order to formally defend yourself. P S. Please be aware that, depending on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX
08/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43232	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : Notice for Proof of Claim Account : CREDENCE RESOURCE MANAGEMENT # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
10/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92596	Web
On XX/XX/2020, I sent a USPS certified letter ( tracking # XXXX ) to Credence Resource Management LLC to provide verification and proof of debt. I copied and pasted below the same letter I sent to them, but I crossed out my personal information for today 's complaint. On XX/XX/2020, I only received an XXXX XXXX XXXX bill and a letter stating, " Our office is in receipt of your request to verify the above referenced account. Enclosed is the account summary response to your request. If you have any questions or require any additional information, please do not hesitate to contact our office at the number listed above-Sincerely, Credence Resource Management LLC '' I did not receive any information that I requested for verification, primarily if they are legally licensed in my state since their office is located in Texas. Copied & pasted letter below XXXX XXXX Name : XXXX Creditor Account No : XXXXXXXXXXX Credence Reference ID : XXXXXXXXX This letter is sent in response to a collections phone call I received on XX/XX/2020 at XXXX pm from Credence Resource Management LLC. I am requesting that you provide verification of this debt within two business days of receiving this letter to my home address, XXXX in order to speed the process and stay within the 30 days. Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed. 2. Verification that there is a valid basis for claiming I am required to pay the current amount owed. 3. Contract with proof of my signature. 4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 5. Please also note whether this debt is within the statute of limitations and how that was determined. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. Sincerely, XXXXXXXXXXXXXXXXX
07/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
03/31/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60608	Web
XX/XX/XXXX - financed an XXXX XXXX from XXXX under account XXXX. Watch value {$320.00}, down payment {$140.00}, remaining financed under 24 month term. We understood that as long as theres a current account with XXXX XXXX, the monthly financed amount will be offset by monthly equipment credit. Effectively, the remaining of the financed amount is supposed to be free as long as we have a current account with XXXX XXXX. XX/XX/XXXX - account set up with XXXX XXXX on the purchased equipment + XXXX phone lines port over from XXXX. We brought the invoice from the equipment purchase from XXXX XXXX and acknowledged life got in the way of setting up service on the watch right away. Despite that, XXXX XXXX erroneously set up a separate account for the service XXXX, thus decoupled the service from the equipment. This account was set up on autopay. Due to the decoupling, XXXX XXXX system assumed that theres no service set up on the financed equipment, and threw the account in default. XX/XX/XXXX- we were notified that the account XXXX ( account that the equipment was purchased ) was in default and sent to collection agency. We reached out to XXXX XXXX and was told that it was fixed and customer rep acknowledged that it was all a mistake. XX/XX/XXXX- we were notified that account was still in default and collection agency started calling everyday. XXXX XXXX said theres nothing that they can do since its been sent to collection agency ( legally I still only owe XXXX XXXX, not Collection Agency ) and accumulated even more late fees. XXXX XXXX inability to fix billing issues and account set up with us is the root cause of this illegitimate collection amount. They have shirked every responsibility and my attempted to resolve with them directly. I have spoken numerous times with their customer reps and they all verbally acknowledged their errors. Yet when I disputed the debt with the collection agency, I dont believe the relevant facts were provided and the collection agency was still actively pursuing this illegitimate amounts of debt. Attached are the original financing agreement, first bill with service in XX/XX/XXXX, account statement on the equipment account showing the equipment credit ( this is proof of how the financed amount was supposed to be free ), and latest account statement with service that shows the account is in good standing.
05/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 503XX	Web
I have received multiple calls from Credence Resource Management regarding a debt with XXXX that I did not owe, even after explaining to them the debt wasn't mine. The company allegedly showed a debt in the amount of {$560.00} for service at an apartment building I hadn't lived at for 5-6 years and that prohibited installing satellite dishes on its roofs. After I explained this to them, they claimed to have removed my telephone number from their records, but they did not. I received several calls from the date they claim to have removed my telephone number ( XX/XX/XXXX ) until the date I submitted a complaint with the XXXX XXXX XXXX ( XX/XX/XXXX ). Whenever I have spoken to a representative from Credence Resource Management, I advised them I haven't ever had XXXX at that address or any address and that the years of service in question ( mid XXXX ) were after I had moved out of that apartment. Each time, the representative advised he or she would remove my number from their records, but they didn't do that until I spoke to a supervisor advising I had spoken to XXXX and they confirmed I have never had it at any address. Credence Resource Management has also claimed to have sent me written proof of the debt in question, but I have never received it, and they have yet to request my current address to comply with their legal requirements. Additionally, if the debt in question was incurred in mid XXXX, they failed to comply with the law by waiting until XX/XX/XXXX to say they sent me validation of the debt. Furthermore, they advised me to file a police report for identity theft during one of my final telephone calls with them. However, the debt in question never appeared on my credit report, where I have automatic reporting updates with any change in said report. As such, it makes no logical sense to file a police report for identity theft when there is no proof my identity was compromised. Credence Resource Management has apologized through my XXXX complaint, but maintains they have done nothing wrong. In my research on the matter, I have determined they have violated federal law at least once with their attempts to collect a debt the company for which they claim sent them the account to collect upon advised I did not have an account in the first place. I have attached a copy of my XXXX complaint for your reference.
10/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93705	Web
I would like to start by stating that I 've been an XXXX XXXX XXXX customer since they changed over from XXXX has been over 10 years. I 've never had any previous problems with our carrier until approximately around XXXX of XXXX I started having a lot of problems with drop calls and bad connection while inside our house, from there on we tried multiple times with customer service. They advise to try rebooting system, a micro cell, new sim card and they also stated they were going to repair one of their towers. 6 months later and continues problems it was an inconvenience, finally made a decision to change providers due to my wife had to leave the house just to talk to Doctors as she was XXXX and she had no service while being at home. Before I cancel my service I communicated through a chat conversation and no where 's did they mention it would go through a collection agency. I spoke with XXXX XXXX XXXX as I was still paying for XXXX cell phones that I purchased on credit and wanted to know if I was still able to continue payments for the XXXX phones since they could not provide the service I needed. The supervisor stated my balance was {$1000.00} and as long as I continued making payments there would be no problems. I had made XXXX payments. XXXX {$60.00}, XXXX {$20.00}, XXXX {$60.00} and XXXX {$60.00}. Which brought my balance down to {$1000.00} ( do n't understand how it only dropped {$68.00} ). Recently I received a letter from Credence Resource Management a bureau company stating I needed to pay balance in full or if not was going to affect my credit. If I wanted they would settle for {$700.00}. And if I pay within 3 months would not affect my credit. I let them know that we had an agreement with XXXX XXXX XXXX and I was going to continue making my {$60.00} payment as we had agreed and I was going to call them. On XXXX I contacted XXXX XXXX XXXX to find out why I was sent to a collection agency and after been on the phone for 1 hour and getting no answer I demanded to speak with a supervisor, I was put on hold for over 30 minutes in which they never came back to the phone ( had to disconnect ). My wife called with a different phone while I was on hold they answered her, none of the representatives were willing to help with our matter. I would like to continue making my payments, just do n't want to affect my credit.
10/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48911	Web
My name is XXXX, a federally protected consumer, and I am making this complaint against CREDENCE RESOURCE MANA, for committing identity theft. I have never given CREDENCE RESOURCE MANA, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with CREDENCE RESOURCE MANA and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CREDENCE RESOURCE MANA, any right to collect on this alleged debt. I have never received any documentation requesting validation from CREDENCE RESOURCE MANA, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CREDENCE RESOURCE MANA, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANA, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANA, continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85015	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. CREDENCE RESOURCE MANA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
03/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33064	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
05/24/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 620XX	Web
This company has flagged my credit report 6 times in a week with two different debts from the same company ( XX/XX/XXXX ) they flagged my account twice on XX/XX/XXXX, flagged my account for both debts again XX/XX/XXXX and then flagged it twice again today on XX/XX/XXXX. I emailed them about the multiple flags theyve added to my credit report, and told them I would contact the proper consumer protection bureaus about the situation with the screenshots of the back to back flagging on my credit report, and would also contact a consumer protection attorney to see what my rights were since they were violating my rights under the fair debt collection practices act. They emailed me back shortly after saying they researched the matter couldnt locate any record of it in their system then proceeded in asking for an account number, and a phone number so they could look it up. I refused to give them any information and advised them I had been in contact with an attorney and would be in contact with the proper consumer protection bureau and would leave it with them. The email they sent had a caution on it that said it was sent from an external email and I should proceed with caution and not open any links or attachments in it. I will include screen shots of the flagged and derogatory notes they keep leaving on my credit report. I understand they have a right to report any debt they have for an individual every 30 days but this is beyond that they have flagged my credit multiple times in one week Its unfair and malicious on their part especially after the entire world is trying to pick themselves up and get their lives back together after this recent panademic. Im also curious how can a person have two debts for the same company especially a cellphone. Youre only allowed to open one account at a time and if its not paid your definitely not opening another until the one owed one is paid off. I dont trust this company and refused to give this company any information without a liaison of some sort in the middle. I also feel this problem wont be resolved by trying to deal directly with the company itself either they will continue to use any information and leverage to their benefit rather than fix the issue. I have also uploaded the flagged/derogatory marks thats been placed on credit profile throughXX/XX/XXXX.
10/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web	Older American, Servicemember
I was fraudulently sold an XXXX XXXX XXXX phone at a local XXXX on XXXXXXXX XXXX. I only use the inexpensive XXXX XXXX XXXX XXXX mobile service. I wanted the {$190.00} XXXX under this plan. I made many attempts to resolve this with XXXX XXXX XXXX customer service representatives. Finally, on XXXX XX/XX/2022 account, XXXX, associated with XXXX cell number XXXX, was cancelled by an XXXX XXXX XXXX fraud representative. A prepaid mailing card was sent to me st the same time. The tracking label shows XXXX XXXX XXXX received the XXXX on XXXX XX/XX/2022. XXXX XXXX XXXX still illegally accessed my bank account several times after XXXX XXXX taking {$94.00} out twice and {$120.00} one occasion. My banks fraud department recovered all the unauthorized XXXX XXXX XXXX debits to my account. In early XXXX, I received a notice from the CREDENCE RESOURCE MANAGEMENT LLC, a debt collection agency. They are trying to collect {$910.00} from me for an XXXX XXXX XXXX XXXX account ( # XXXX ) that was closed on XXXX XX/XX/2022. I called Credence after receiving their letter to dispute the debt for an account that had been closed and a {$910.00} phone that had already been returned on XXXX XXXX. These facts were ignored, and their spokesman told me that if I did not pay, it would ruin my credit. That I had to pay them the money. A second call was a repeat of the first. I was given 30 days to send them money I did not owe XXXX XXXX XXXX. XXXX XXXX XXXX continued to harass me with calls from " The President of XXXX XXXX XXXX XXXX Office. Voicemail messages sounded like it was a teenager calling. XXXX XXXX XXXX also has deliberately made it difficult for me, still threatening me to pay {$30.00} a month, for 5 years, until they receive complete payment for a phone already in their possession. CREDENCE has sent me two forms with a deadline, or it will ruin my credit. This is complete fraud. Texas Attorney 's Office has sent me a form to report CREDENCE. As well as XXXX XXXX XXXX. I do not need the intimidation that is being used to take money from me due to a fraudulent sale by an XXXX XXXX XXXX employee. Essentially he tried to take {$1300.00} without authorization. I never signed anything, it was purely bait and switch. I need help with CREDENCE. There is no reason for them to try to intimidate me into paying.
03/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70363	Web	Servicemember
Reopen complaint XXXX or submit this as a new joint complaint. On XX/XX/2022 my account with XXXX XXXX XXXX was canceled. They continued to bill me until XX/XX/XXXX. I called to dispute the charges. Double billed me for XX/XX/XXXX to XX/XX/XXXX. Talked to several representatives in billing, loyalty, and cancellation department. All acted like they did not see the billing error or there was nothing they could do about this because the system was not allowing adjustments on a canceled account. I should only have to pay for services that were used. I calculate that I only owe {$350.00}. I have also made a payment to XXXX of XXXX. Then Credence inserted this on my credit report, never notified me that had the account. Falsely reporting that I made payment to them. XXXX is still accepting payment on this account Credence can not insert false information on my report. I can not owe both companies one debt. Company did not validate the charges. Sent me a final bill as proof of valid charges. Did not address the fact that I stated that XXXX XXXX XXXX double billed me for one month of service and expect me to agree to the charges. Phone not been active since the end of XXXX when service was originally suspended. Switched to XXXX on XX/XX/XXXX because I was in the process of onboarding with a new employer when XXXX XXXX XXXX interrupted my service and refused to reinstate or anything after being a loyal customer with no previous phone interruptions. I will not pay the balance because I do not agree with the amount. I was never under a contract, if so produce it. Called XXXX XXXX XXXX several times and they did nothing to rectify the situation. Credence can not insert inaccurate information onto my credit file. I repeat I do not owe XXXX XXXX XXXX the amount that they are stating. I did owe them for the remaining payments on a XXXX XXXX and that is the amount that was paid. Do not blatantly lie and say there was no phone on the account when I have proof. I will not make another payment for this account until they prove that all the remaining charges on the account are valid. Submitted proof that I was double billed and Credence continues to assert that I owe the full amount. If they continue to report this inaccurate information on my credit files, I will seek monetary damages for slander.
01/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32926	Web
XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX Credence Rm Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDENCE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC : XXXX DOB : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30014	Web	Older American, Servicemember
My wife and I answered a promotion for trading in our phones for newer ones. After an hour and a half we found out that XXXX would not put the value of our phones in the contract so we stated that we would look elsewhere. We did not sign a contract or commit to anything with either XXXX XXXX or XXXX XXXX XXXX. Later that day the XXXX XXXX sales person called and stated that she was not able to stop shipment of XXXX phones ; but she did cancel the account being set up. She ask would I ship the phones back when I received them She had been courteous and professional with us and I said I would.I received a package from either XXXX XXXX or XXXX XXXX XXXX about XXXX or XXXX days later. I did not open the package and took it to the XXXX XXXX store and they would not ship it back. The next day I took the package to a large XXXX XXXX XXXX store. I took an hour in the Que before I was waited on and they told me to take the package to the XXXX store in XXXX XXXX and they would ship it back in the special program set up for this. About a week before I had shipped XXXX pieces of equipment to XXXX XXXX XXXX when they would not set up and get wifi and TV equipment running in my home. About a month or XXXX I received a bill from XXXX XXXX XXXX for {$790.00}. I had not signed a contract with XXXX XXXX or XXXX XXXX XXXX so I did not pay it. About a month later I receive a letter from XXXX XXXX XXXX, XXXX XXXX Mi stating that they would be collecting {$790.00}. I wrote XXXX back stating that I did not sign a contract and had in writing from the XXXX XXXX sales person the deal was not consmate. That I did ship the phones back as requested. They requested shipping receipts and I sent copies. They still billed me. I ask for a contract with my signature and which credit card was charged. They sent me a phone installment plan not a contact and the signature on it was forged.I replied back that what they sent was not a contract and that it was not my signature. They still persist in billing me but they won't bill a credit card so I can fight this. So far my credit score is still XXXX with XXXX and XXXX but XXXX went to XXXX and then to XXXX and something. Can you help me ; I will send copies of everthing I have discussed. please help me.I am XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Phone XXXX
01/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62702	Web
I signed up for XXXX XXXX recently, and discovered a derogatory mark only on my XXXX credit score. It did not appear on XXXX. Credence Resource Management, a company claiming to be a debt collector has an account open for me, claiming I owe {$370.00}, with the original creditor being XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX, and I do not have any affiliation with XXXX XXXX XXXX. My phone service is with XXXX. I called Credence Resource Management and they demanded my personal information ( social security # ) before they would tell me anything about my account. I mistakenly gave it to them and they only told me it was from XXXX XXXX XXXX originally. I told them I am not paying until I see proof from XXXX XXXX XXXX of this debt. I gave them my mailing address, phone number, and they only sent a bill from Credence Resource Management, and a followup bill claiming a {$170.00} discount on the bill, basically bribing me, using pushy threats again, with no verification from XXXX XXXX XXXX. I researched Credence Resource Management and out of 80 reviews on XXXX, it had nearly 100 % 1 star ratings with nearly every comment saying the company is a total scam, even seeing a comment saying XXXX XXXX XXXX does not work with Credence Resource Management and XXXX XXXX XXXX themselves urge anyone who hears from them to report fraud and not to pay them a dime. I went to a local XXXX XXXX XXXX store and they found no evidence of a debt from me. This derogatory mark is significantly affecting my credit score and I need this problem resolved immediately. I went to my local bank and the branch manager agreed thoroughly this appeared to be fraud based on the lack of credibility Credence Resource Management has as a whole. I disputed this claim through XXXX XXXX already but havent heard anything back yet, and I am attacking this on all fronts especially because of everyone elses experience with this company being identical. I have no doubt this is fraud. Now they are calling every day multiple times a day demanding payment. I have told 3 or 4 of the telephone representatives about my knowledge of their 100 % fraudulence and they just continued to demand my personal info. I received my letters from Credence Resource Management on XX/XX/19. No original dates for debt.
07/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78253	Web
To Whom It May Concern, I was a loyal XXXX customer for over 12 years having a one time, 10 lines on the account. Despite being laid-off twice, I never, ever fell behind on a single payment ( or any other account for that matter ). Due to XXXX poor service and overcharges, we began cancelling lines in XX/XX/XXXX with the last line being cancelled on or about XX/XX/XXXX. I asked several times starting in XXXX, if there was a balance and was told no. We closed in good standing with our autopay on XX/XX/XXXX. On XX/XX/XXXX, we had another auto-pay of {$110.00} ( after the account had been closed ). This charge was for the wrong device ( XXXX XXXX ) on line ( XXXX XXXX XXXX which had a fully-paid XXXX XXXX. Statement shows {$0.00} balance. For background, I did purchase a XXXX XXXX with a off promotion exclusively for line XXXX XXXX XXXX XXXX. The device was paid in full in XX/XX/XXXX, but XXXX continued to charge as if it were regular price. XXXX actually over-charged me {$240.00}. When XXXX called me, I explained the situation but they still sent me to collections. This is a scam by XXXX. I received a call from XXXX XXXX and a letter for them dated XX/XX/XXXX, for an amount of {$140.00}. I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. I received a call from XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$440.00}. I explained the situation, and that I disputed the charge. Never heard back from them. Then, I received a call from XXXX XXXX XXXX and a letter from them dated XX/XX/XXXX, for an amount of {$150.00}. Again, I explained the situation, that I disputed the charge, and to have XXXX call me directly. I never heard back from them or XXXX. On or about XX/XX/XXXX, XXXX had the charge listed on my credit report. I once again dispute this charge and I am confident this charge is in error. I am requesting debt validation with a full payment history, copy of all notes on the account, and why the charge mysteriously appeared over 3 months after I announced that I was cancelling service and almost 2 months after the account was closed. I further request to have the collection account promptly removed from my credit report. Thank you. XXXX XXXX
05/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33169	Web
After viewing a copy of my report, I noticed a collection account placed on my credit report from Credence Resource Management on XX/XX/2022 in the amount of {$1600.00}. First and foremost, I have confirmed that the debt collector Credence Resource Management is not licensed in the state of Florida to collect on this debt. Secondly, Credence Resource Management violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Credence Resource Management? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Credence Resource Management has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1600.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that Credence Resource Management provides me with competent evidence that I have any legal obligation to pay them. I asking that Credence Resource Management to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6XXXX show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Credence Resource Management immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand Credence Resource Management agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that Credence Resource Management agrees to remove my personal information from all accounts in its companies database.
04/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDENCE RESOURCE XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
04/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11205	Web
CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? furthermore CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.
03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32907	Web
TODAYS DATE:XXXX CREDENCE RESOURCE MANA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDENCE RESOURCE MANA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
08/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48505	Web
Credence Resource Management LLC Corporation Service Company XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for Credence Resource Management LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 296XX	Web
ON XX/XX/22 for the amount of {$380.00} CREDENCE RESOURCE MANAGEMENT has unlawfully purchased a debt from XXXX XXXX XXXX XXXX, and they have reported this to XXXX without my consent. Violating 15 USC 1681 ( a ) ( 2 ) ( 4 ). ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have never been contacted by CREDENCE RESOURCE MANAGEMENT nor have I ever had a contract with them. My personal information has been shared among these companies without my consent.15 USC 1681a ( 2 ) ( i ) ( ii ) ( iii ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information not be communicated among such persons. there has been time i have signed any paperwork with such company. 15 USC 1681e ( b ) ( d ) ( 1 ) ( A ) ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer. Per 15 USC 6802-6805 I the consumer have the right to Opt out of any and all reporting of my information.
06/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30213	Web
Third-party debt collector, Credence, has repeatedly sent me mail claiming that I owe an alleged debt. I am requesting that you show that I owe this debt that you are claiming I owe by providing me with the original signed contract, the chain of title, your XXXX XXXX XXXX insurance policy number, as well as your audit trail. Please do not send me an itemized statement back without providing the following information below because that is not what is accepted when it comes to validation of debt according to 12 CFR 1006.34. If you are not able to provide me the orginial signed contract, chain of title, your XXXX XXXX XXXX policy number, audit trail, or the following information, I have listed below- I am demanding immediate deletion and XXXX out of this alleged debt. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt.
10/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33311	Web
Credence ( a collection agency ) contacted me about a debt owed on an account with XXXX XXXX XXXX XXXX XXXX XXXX over the phone a few months ago. Note that they verified my address but they verified the wrong address. I simply corrected them having no experience with debt before. They did not notify me of a letter I was suppose to receive or should have received to dispute or verify this debt. It may very well be true that they sent a letter to the wrong address they previously had on file. If that is the case, I am not at fault. I did go to the hospital so I thought the collection was just. The only bill I got was from XXXX XXXX XXXX for a total completely different from the debt collectors, with no notice that I would be hearing from another company regarding debt. I told Credence I will call them when I come to a resolution with XXXX XXXX. That was months prior to this writing. Today, XX/XX/2019 at XXXX I received an answered their phone call to collect debt. They got the address correct this time. They were demanding full pay or pay over 3 months. The manager pointed out my age and how this would not be a " good look '' for me, since I said I was unable to pay. Now that I know my rights, I feel that was a threat. He then proceeded to tell me to go get a profit loan, ask my mom, or use a credit card. In fear, I used a credit card and coughed up XXXX $ of which I do not have being a XXXX XXXX XXXX. All if this is just information. The main thing I am submitting a complaint for is never receiving a written notification of debt, ever! Even after I gave them my correct address, I never received a notice of any kind in the mail and was never informed of the ability to dispute. How am I supposed to know the collection is verifiable if I don't get a letter? Again, they may have sent the letters to the previous address they had on file, but if that is the case I should not be held accountable. I didn't even receive a call from XXXX XXXX before it was sent to get collections. During the call today at XXXX I was told I would receive an email regarding my account. I HAVE NOT RECEIVED AN EMAIL and its XXXX. Bottom line Ive never received a written ( or electronic ) billing or billing statement from Credence or XXXX.
05/08/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32835	Web
I got many harassing phone calls from this company which I assume is a scam. After doing much research I see that they gained access to XXXX XXXX, XXXX XXXX XXXX customers information who have small amounts owed ( which have not been sent to collections ), along with the customers personal information, addresses and phone numbers- so they call these customers ( like they did to me ) and they say weird things. They wouldn't even tell me who they were they only said " I am calling about a personal business matter ''. First of all.. why wouldn't you just tell me who was calling and what company you work for instead of being so sketchy. He threatened me and told me that If I did not pay him while we were on the phone that my credit would be damaged forever and I would be drained of all my funds. I asked him for detailed information about what I owed and multiples times he kept insisting I pay him and that he will explain in detail after. First of all-no. This made me so angry! I told him I would check into his " company '' and that I did not feel comfortable paying over the phone. So you know what he did next!? He said ok I will give you my website but you HAVE to stay on the phone with me because if you do not pay correctly your funds will be drained and you will ruin your credit. I had had enough at this point. He then tried to convince me that I could pay over the phone with him and it would be " much easier '' and that I didn't even have to give him any credit card information, he just needed my authorization via recording MY VOICE! I was so upset at this point. Not only was I under the impression that this guy already had my card info- he just wanted my verbal " OK '' so that he could take my money. This is just completely unacceptable. He was foreign too. XXXX XXXX has never once sent me a notice saying I owed a balance and so I told this man I wanted to check with XXXX XXXX first. I ended up hanging up on him. I am so sick of this. By the way- If anyone calls you and you finally get them to reveal what " debt collection company '' they are working for and they say it is credencerm ... please call your original TV provider first and verify. These people were extremely rude and threatening.
03/28/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30084	Web
Credence RM is trying to get money for a supposed debt never handed over to them. They have my personal information and are after my SSN. It 's a scam. On XXXX/XXXX/2017, I received a call from a local XXXX, GA number, XXXX. The caller claimed to be trying to collect a debt on behalf of their client, XXXX. As I knew that my insurance had paid XXXX in full almost 6 months ago, I got off the phone and called XXXX directly. I found out from them that their records indicated they were paid in full, that the account had been closed for nearly 6 months, and that the account had never been turned over to a collection agency as it was paid promptly and in full. So, I Googled the phone number that I had received the collection call from and found Credence Resource Management LLC. I called Credence directly to try to clear up the matter, but was told they could n't look me up without my Social Security Number, which I was not going to give them, as they had already confirmed my name, phone number, and address, which would be more than sufficient to look up my account. I got off the phone and did some additional research on Google and discovered that Credence RM has a track record for calling from local numbers, never leaving messages, and for being a scammer. As I had been receiving calls from different local numbers recently, I decided to Google those numbers as well, and sure enough, they traced back to Credence RM. As my " debt '' does n't exist, and my information was never given to Credence RM, I 'm strongly of the belief that this company is illegally operating to scam people out of their money by illicitly obtaining confidential information, masquerading as a collection agency, and scaring people into giving them money and additional personal information that can be used to steal their identity ( such as SSNs ). It 's alarming to me that Credence RM has information regarding my previous medical treatment, that was not given to them by any of the involved parties ; it begs the question, " how did they get it? ". Given the numerous complaints against this company here on the CFPB, and on Google, I think this company should be investigated for illegal practices and scamming.
06/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 28806	Web
XX/XX/XXXX trough XXXX XXXX, XXXX, manager for XXXX XXXX XXXX called me multiple times to resolve a payment issue between XXXX XXXX and XXXX. I was getting charged for XXXX service which was turned off in XX/XX/XXXX. I was of getting charged for XXXX instead of XXXX XXXX, which was my new cable provider. While I was assured that this is going to be handled. I was notified that the payments that went to XXXX will be applied to my XXXX XXXX outstanding balance. The remainder of the balance for XXXX XXXX was paid in full in XX/XX/XXXX. While this miss communication was being addressed and handled, we relocated from XXXX XXXX to XXXX NC. The new apartment in NC does not allow any XXXX equipment to be installed on the balconies ( no dishes allowed ). I called in customer service the order to XXXX XXXX and explained the restrictions to the equipment and I was offered and upgrade to my service called XXXX XXXX Now, I was told that will not require any XXXX placement and will not cost me new activation fees and or old cancellation fees because of the apartment restrictions. XXXX XXXX Now payments have been pain on trough auto withdrawal on : XXXX, XXXX of {$69.00}, XXXX XXXX of {$69.00}, XXXX XXXX of & XXXX ... .. so on. Called XXXX XXXX on XX/XX/XXXX when I received the XXXX XXXX collection noticed asking them to resolve the matter. The representative from XXXX XXXX, XXXX refused to connect me to a manager and did not review all the notes that were made on the account in XX/XX/XXXX after I asked I requested him to in order to resolve the matter. His advice was " call your bank and dispute the charges because the account is outstanding ''. Called the collection agency " Credence '' to explain the situation and ask for resolution the customer service rep to also review the notes on my account. He only had notes on my account from XX/XX/XXXX. He informed me that this outstanding balance is for cancellation fees. XXXX XXXX customer service is telling my account has never received a payment and Collection agency Credence is telling me that this debt is for cancellation fees. Both agencies are not providing adequate information as well as resolution when asked.
10/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29406	Web
On XX/XX/2022, I received a letter from a debt collector about an unpaid balance from XXXX XXXX XXXX for {$130.00}. I responded within a few days asking for verification of debt which is my legal rights. I asked for a few verifications items which I never received. I asked for proof to show I agreed to pay what they say I owe ; when was the account purchased from alleged debtor, I asked for the company to prove the Statute of Limitations has not expired on this account ; I asked for license and registred agent ; and I asked to show me they are licensed to collect in my state. The company did not respond with any requested information, except a bill with my name. On XX/XX/2022. I responded by XXXX to Credence Resource Management that the account did not belong to me and they would have XXXX days to prove it was my account, and not fraud. The company never responded. I also stated : " If your offices can provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. '' On XX/XX/2022, I received an alert about a negative mark on my credit from Credence Resource Management. This is clearly a violation of the Fair Credit Reporting Act, a violation of the Fair Debt Collection Practices Act, and defamation of character. I can legally bring suit for this violation and I am giving the company time to reconcile the wrongdoings before it causes any financial harm to my good name.
01/12/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30215	Web
This company repeatedly calls me XXXX or more times a XXXX XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt XXXX ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
11/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	Web
Credence, debt collector for " XXXX XXXX XXXX XXXX '' a subsidiary and business partner for XXXX XXXX XXXX XXXX ( see previous CFPB complaint regarding wire-tapping, fraud, and other illegal activities due to the mismanagement of records stemming from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX ) continues to contact me regarding a bill for a phone that I 1 ) never signed for, 2 ) never agreed to terms because the agents acting on XXXX XXXX XXXX XXXX 's behalf, ( XXXX on XXXX real name XXXX ), and 3 ) RETURNED all equipment and services in a timely manner from the XXXX XXXX LOCATION at the XXXX XXXX in XXXX Texas. I was promised a multitude of things that never happened. I felt I was being coerced into signing a contract for XXXX and business opportunities, NEITHER of which happened. I don't appreciate XXXX XXXX XXXX XXXX or XXXX XXXX XXXX in general attempting to garner support for their company by making promises they never intend to follow through with in the first place. The bill keeps changing, but I have gotten XXXX XXXX XXXX, countless times, to admit over the phone, in person at the Uptown location, in person in the XXXX XXXX location, etc. etc. etc. to admit I do not owe them any money at all. I don't appreciate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and NOW Credence, attempting to collect for debts I do not owe. I really wish I never would have shared any of my personal information with any of their agents. They have attempted to capitalize on my business acumen, law background, health and human services background, and the like, to attempt to get me to be " a part of their family. '' XXXX XXXX XXXX, the conglomerate and its business partners are not a family. They are a terroristic gang that needs to be reprimanded by the FCC and investigated thoroughly for their fraudulent, illegal, and frankly disrespectful tactics against myself and other similarly situated individuals. To this DAY, I do not own a phone nor do I partake in any of XXXX XXXX XXXX services because I do not trust them, their company, or anything else they do to their consumers. What happens in the dark will always come to the light.
06/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75089	Web
In XX/XX/XXXX, I was contacted by XXXX XXXX/XXXX about a XXXX debt due. That month, I settled with them and paid my debt in full on XX/XX/XXXX for {$370.00}. In XX/XX/XXXX, another collection company called XXXX tried collecting on the same account. I emailed them informing that I already paid and to stop trying to collect. They immediately removed it from the credit agencies. In XX/XX/XXXX, another company called XXXX XXXX tries to collect on the same account. Now we are at XX/XX/XXXX and Credence Resource is trying to collect on this same account. I contacted XXXX via email on XX/XX/XXXX and received a response from XXXX XXXX, Sr Specialist Executive Response, who said they show I still owe a balance, but do show that I made the payment to XXXX in XXXX. I then call XXXX on XX/XX/XXXX who confirms that I did settle and paid in full for that account in XXXX. They said they forwarded this documentation to XXXX. I asked if I could have documentation showing this information to prove I no longer owe the debt. They say they can not give me that because it is closed on their end and XXXX should have the information. I then email XXXX XXXX at XXXX and let him know this same information. He responds " You would have to consult the new collection agency as we have no way of enforcing them to remove the debt. Our records do not reflect that the account was settled in full with the previous agency. Have they provided you with any sort of documentation proving this? If so, you may present it to me and I can see if I can do something else. '' So if neither company can give me documentation rightfully due to me so I can get this nightmare to stop, what can I do? This is so unfair and keeps ruining my credit. The most recent collection agency, Credence Resource Management, says I need to speak with XXXX to get them to remove it because they cant do anything. If original creditor and every collection agency tells me I need to call the other person then how will I ever get this resolved? I have bank statements proving my payment and XXXX recorded our phone call admitting that I paid in full. Please help with this nightmare.
01/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85203	Web	Older American
I am in the process of buying a home. My lender pulled credit on XX/XX/2022 at the start of the loan process. My credit score was over XXXX. I was approved for the loan, and 7 day prior to closing the lender does a 2nd credit check to make sure no new debt has been issued or applied for. When they pulled my credit my score had dropped over 100 pts. Come to find out XXXX XXXX XXXX had put a collection on my credit reports in behalf of XXXX XXXX XXXX. After further investigation through conversations with XXXX XXXX XXXX I found out that someone had used my social to open a cell phone account with XXXX XXXX XXXX using a different address, a different email address, and a different phone number. I had no idea this took place and still don't understand how that happened let alone how XXXX XXXX XXXX allowed it because I have had an active account with them for years in good standing. They already had all my information. After speaking with the XXXX XXXX XXXX representative they said I would need to get with Credence Resource Management because they were the ones reporting on my credit report. I contacted them and they verified that I never received any information about the account because they were sending to different address, with a different email, and different phone. I never received any Dunning letter, or was ever notified that this Fraudulent account existed. Explaining that I needed to close on this house this week, they said they would have me a letter within 24 hours. When I didn't receive it and called back they told me it could take up to 48 hours. Then today they are telling me 2 weeks. Here is my problem... I have a {$100000.00} in escrow at risk if I don't close on this loan on time. All my contingency time periods have passed. Because this is a conventional loan my interest rate went from a 6.25 % to 8.125 % This mistake an unwillingness to act is going to be very expensive because I will not be able to refinance out of that rate for 12 months. I can choose to not close and lose my earnest money of {$100000.00} or take the higher rate at a cost of just under {$5000.00} over the 12 months
04/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23669	Web
I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.
06/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90241	Web
I was at a XXXX Store A Rep form XXXX XXXX XXXX was offering the services, I ordered 4 XXXX gave the rep my info and paid {$390.00} for taxes with a credit card XX/XX/2019. The deal was we would keep the same of phone numbers we had with the other carrier, when I received the phone by XXXX I called the XXXX XXXX XXXX number to try and active my cell the representative told me I not could keep the same number because the Rep at the store didn't request that, she wanted me to return the cell and buy them again. She also told me that since the lines had not been activated I would not get billed for them that only when activated the billing cycle would start. I hanged up with her and I drove to an XXXX XXXX XXXX store they could not help me there and they would not take the phones and told me I had to return them using the return labels that came in with the Phones. I did return the phones and called them to notify them of the return and that i was not interested in the service I again explained everything to them and told them I wanted credit for the taxes I had already paid on the phones they were supposed cancel the account that had not even been activated. I was told it would take a while for the credit to be given to me that first the would have to receive the phones ( which they did received. I then saw a charge on my credit card for {$430.00} on XX/XX/2019 I immediately called them and spoke to several rep because I was transferred from one to another. One of them told me it would take a while but it would be corrected. then again I was charged on {$440.00} on XXXX XXXX that day I spent over 2 hours on the phone being transferred from one rep to another not one of them doing things right. one of them said the could see no activity/usage and how could they the were never activated. I repeatedly asked to be transferred to a manager I spent numerous days and hours try to get this corrected. I don't owe XXXX XXXX XXXX. I never activated the lines the 4 iphones were returned On XX/XX/2019 I was refunded for the taxes that I paid on the 4 iphones I returned.
09/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92508	Web
On or about XX/XX/2022, I began receiving communications from Credence Resource Management regarding collections for ambulance services rendered by XXXX the previous year. The amount sought was around XXXX USD. I immediately contacted my then-health insurance provider, XXXX XXXX XXXX who informed me that per their agreement with XXXX, XXXX owed no additional monies and instructed me not to pay. I began receiving frequent calls from various phone numbers after this. In XX/XX/2022, I called one of these numbers back and found they belonged to Credence Resource Management, a debt collection agency. I informed them of the erroneous status of this collection and was asked to email a customer hotline images from the XXXX XXXX app showing that I owed no money. I sent this email photo proof on XX/XX/2022, and instructed the company to close the erroneous charge. Instead, the company replied that I needed to send them an image of my health insurance card, front and back, so Credence could call my insurance company and see if they would pay the balance. I informed them that the balance and my personal information is none of their concern as I provided written proof that I owed no balance and reiterated my request to have the illegal and erroneous collection halted and further informed Credence I would be filing a complaint with the CFPB as well as the California State Attorney General. I then called XXXX XXXX to inform them that the erroneous debt they had instructed me not to pay had been sent to collections and that the collection agency had refused to acknowledge the illegal and erroneous collection attempt. XXXX XXXX then contacted XXXX and informed me again not to pay. I then replied to Credence, sharing with them once again the proof from the insurance company that I owe nothing and should pay nothing. Credence responded that XXXX is seeking a full balance from me, and refused to acknowledge the proof I provided. I then informed credence I would be filing a complaint with the CFPB and Attorney Generals office and expected their compliance moving forward.
04/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Older American
XX/XX/XXXX XXXX and XXXX. XXXX, CA My Insurance was/is XXXX with XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX sends invoice for services doing business as XXXX XXXX XXXX XXXX is to made out to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, NV XXXX Partial listing of my letter writing attempts to resolve this issue : I wrote to Envision at the address in XXXX XXXX explaining I am waiting for the XXXX information to verify my share of the cost. No response I receive an invoice from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in which the 'Explanation ' column indicates 1. Insurance coverage terminated 2. Insurance patient responsible : no coverage on DOS. I write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX confirming my XXXX and XXXX XXXX coverage. No response. From XXXX I received detailed information regarding all other related costs. I have yet to receive from XXXX any information related to this cost. XX/XX/XXXX I received a letter from debt collector XXXX XXXX XXXX XXXX. I respond that the debt is in dispute. My further attempts to resolve this issue include On the Internet I found a local office for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I sent letters via Certified Mail to Envision in XXXX XXXX *Same XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of the letters were accepted at the addresses. No responses. XX/XX/XXXX I receive letter from debt collector Credence Resource Management Texas license. Mailing address : XXXX XXXX, XXXX, MI XXXX. I respond by Certified Mail 1. Debt is in dispute 2. I want them to send me name and address of original creditor. No response. XX/XX/XXXX I receive a phone call from Credence. The phone volume of the representative was hard to understand. We confirmed my home address and I hung up. I am sending a letter via Certified Mail telling Credence to cease from contacting me and reporting to any relative company or credit bureau that the debt is in dispute.
07/15/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32907	Web
I received multiple calls ( 5x+ ) for months on end, I finally requested proof of the alleged debt from XXXX XXXX XXXX and have in the past few months/weeks been actively sending proof that I was charged for service after the account/service had already been requested to terminate. On Friday, XX/XX/XXXX XXXX XXXX after a representative and I spoke with XXXX at XXXX XXXX XXXX he confirmed that the charges were for services through XX/XX/XXXX. I explained that I returned all required equipment and terminated service in XX/XX/XXXX. XXXX suggested that I dispute the charge and send confirmation, at which point I sent email confirmation to Credence showing all items were returned. On Monday, XX/XX/XXXX XXXX XXXX I received an email stating that they received a response back from the creditor that the charges remained valid. I replied to the email that it was not possible as I had alternate service. I was then asked to send further documentation which I did that showed I had XXXX XXXX streaming service as of XX/XX/XXXX which was paid.. As of today, Tuesday, XX/XX/XXXX XXXX XXXX, I received response that despite the documentation sent, the charges were due as my account was not current and I still needed to pay the balance. Beyond upset, I contacted the company and requested to speak with a manager. That manager, XXXX XXXX, escalated my call to a second manager, XXXX XXXX. I again tried to explain why the charges were invalid and also explained that I was quite annoyed by their repeated attempts and failing to understand why I did not owe this bill. Mr. XXXX ' only suggestion for making the bill and calls go away was to pay the bill as it was still owed. Logic is not an option here and they fail to connect the dots. Whether it is greed or a language barrier I do not know, but I do not need this stress for a bill that I clearly do not owe. Customers should not be at fault for a company 's inability to follow through and disconnect service. In addition to this complaint I have also filled one with the XXXX as this is beyond ridiculous.
04/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19141	Web
ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
04/02/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19144	Web
ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
03/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97266	Web
This is the letter I sent the collection agency, which explains the issue : XXXX XXXX, 2016 Credence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : INVALID COLLECTION CLAIMS FOR XXXX XXXX XXXX To whom it may concern : Last month, I was told I had to pay my overdue XXXX XXXX XXXX bill in order for my service, which was turned off, to be restored. I paid {$250.00}, which XXXX person told me was the amount due, but my service was not restored. When I called back, I was told that that money was used to pay for an old bill and that I still owed more money. Nobody could tell me what the {$250.00} went to, and my service was never restored. I did not owe anything on any " old '' bill. XXXX XXXX XXXX would not have issued me a new phone and phone number if I still owed money on an old bill. But it appears that my {$250.00} went to pay that non-existent old bill. I believe this is so because in XXXX, I got a bill from Credence, offering to settle a {$250.00} bill for {$100.00}. Assuming that this was an overdue notice letter for my then-current bill, I ignored it, as I 'd just paid that bill. I did n't notice whether the amount listed was the same as I 'd just paid. I just assumed any discrepancy was an error. Now, as I look at that XXXX letter, I see it has an old account number, XXXX, for an account that had long been paid in full and on which I owed nothing -- certainly not {$250.00}. Today, I got a new letter ( enclosed ) stating that I owe an additional {$470.00}, again, with no explanation of what this bill is for, but with my current account number, XXXX. It would be impossible for me to owe this amount, as I just paid {$250.00}, which I was led to believe was going toward the payment of my current account. Also, my phone has been turned off for a month, and I did n't owe this much previously. XXXX XXXX XXXX must prove that I owe the money it claims I owe. I dispute both amounts. I would like to resolve this amicably, but to be on the safe side, I 'm forwarding all this information to the Consumer Financial Protection Bureau.
09/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 79936	Web	Servicemember
Credence Resource Management has been calling my cell phone for the last 2-3 months trying to collect {$180.00} for an old XXXX XXXX XXXX bill my wife did not pay. I tell them that they are calling the wrong number and give them my wife 's cell number. They continue to call me from an offshore call center speaking XXXX with an unusual accent. They only ask my relationships with the debtor, not my name, then give me her address and only ask if it is right. I say yes and then they continue to tell me who they are, what company they work for for, that it is an attempt to collect a debt and the phone call may be recorded. After about 15 calls I asked to speak to a supervisor. I notified him that my wife wanted to take care of the debt but was disputing the amount. The supervisor " checked '' the amount and verbally confirmed it was the right balance. I informed the supervisor that I wished to dispute the balance and requested a breakdown or proof of the debt by mail. We never received the proof and now the phone calls are coming more often. I received yet another call just a few minutes ago. I let the gentleman on the other end know that he was violating FDCPA laws by giving me information about the debtor and her account. The gentleman who stated he was in XXXX was not aware of any laws transfered me to another supervisor. The supervisor said he was going to check the times I had been called. He came back on the line very apologetic and informed me that he would remove my number and that I would not receive any more calls from their company. I thanded him but asked him for his company 's information so I could file a complaint. The supervisor hesitated then hesitantly gave me the company name. I asked him for the company address. He said he was not authorized to give me anymore information. He then put me on hold then returned with a company e-mail to file my complaint. I informed him that I would be filing a complaint with the authorities. He said that it was not necessary and asked me not to file a complaint.
03/29/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92629	Web
in 2019 I had a trip to the ER, via ambulance. The two who picked me up almost dropped me twice on the pavement, clearly inept and incompetent. No offense to the two young boys, but clearly untrained, no EMS degrees or any experience. They when accompanied by the local Fire Dept, never once disclosed that they were private contractors and not being someone who had been in an ambulance for decades was then meet with a XXXX dollar bill for a 7 mile ride. had I known and had ambulance company disclosed they were private contractors I would have taken an XXXX to the hospital since it was not urgent and not acute and I was not dying. in XXXX of 2019 I got a letter from XXXX XXXX XXXX who owns and runs XXXX XXXX a XXXX company ( a XXXX company operating ambulances in the XXXX ) where it is a socialized system ) I got an email I am enclosing where he, in first paragraph says he is going to write off the XXXX bucks not paid by my insurance who were billed XXXX and they were paid this, that is confirmed by both them and the collector I just spoke with. THIS COMPLAINT is. Also against the EMS provider since they have violated collection laws also. Since I never got a single follow up response about him writing off the XXXX dollar owed balance, no letters, no bills, no any sort of communication I was left with the. Assumption as would any consumer that this debt was written off. NOW 30 months later I get a call from an XXXX call center, someone who barely speaks XXXX demanding that I pay them or I am in trouble. Strong innuendo of a threat, predatory and I explained that this status on was resolved XX/XX/2019 and he yet. Still demanded payment. so I ended the call. CREDENCE is yet another predatory company who operates on the ignorance of most consumers and innuendo threats and or that I am in serious trouble that I will be in harms way. clearly untrained and clearly lacking in needing charm school to learn to speak XXXX well enough to communicate as well as learn the laws, which do not exist in XXXX.
01/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30062	Web
On XX/XX/XXXX, I began receiving phone calls from Credence Resource Management. I do not answer calls from unknown sources. The phone showed " Credence Rsrc '' which I assumed was a polling call due to the XX/XX/XXXX GA runoff election. I ignored them until after the runoff. When I answered the first call, someone quickly mumbled something and then asked if I ever lived at an address in XXXX, TN. I replied no. They then asked for the last 4 digits of my SSN. I refused and hung up. On XX/XX/XXXX, Credence filed a Major Derogatory status to my credit. Both XXXX and XXXX alerted me. On that same day, I filed a Dispute Claim with XXXX and filed a fraud claim with all 3 credit bureaus. I also filed a Resolution Ticket with XXXX XXXX. On XX/XX/XXXX, Credence called me again and I answered. This time the agent clearly identified himself and asked the same question about ever living in XXXX, TN. When I replied no, he asked for the last 4 digits of my SSN. I again refused and I argued with him about having the wrong person and to remove the Major Derogatory claim on my credit. He transferred me to a supervisor who again asked for the last 4 of my SSN. I refused the request. I repeated that I was not the person who incurred the debt and to remove the claim on my credit. He advised me to email them. I engaged the services of an Attorney and she advised me that Credence should have sent me a notice of the debt. I received no such notice. My Attorney advised that I should file a claim against them with the CFPB. I am sending Credence a certified letter on XX/XX/XXXX requesting them to remove the Major Derogatory claim on my credit and immediately stop contacting me. The debit is for {$89.00} from XXXX XXXX XXXX XXXX. I have never done business with XXXX. I have never lived in XXXX, TN. I did not incur this debt and will not pay it. I believe Credence did not perform due diligence to issue a notification, as required by law. I also believe they made minimal or no effort to find the correct person for the debt.
04/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85351	Web
My service with XXXX XXXX was on a monthly basis and no penalty if I left. I cancel my service and switch from XXXX XXXX to XXXX XXXX a few years back. Later I saw a collection placed on my credit report on XXXX for XXXX dollars to XXXX XXXX from XXXX XXXX back on XXXX XXXX, XXXX. I disputed with XXXX and was deleted-report number XXXX date generated XXXX XXXX, XXXX XXXX XXXX placed again the same collection on my credit report at XXXX on XX/XX/XXXX for XXXX dollars-original creditor again XXXX XXXX. I disputed again with XXXX and it was removed from my credit report- Report number XXXX. Date generated XX/XX/XXXX XXXX On XX/XX/XXXX Credence Resource Management placed for collection on my credit report at XXXX the same collection bill from XXXX XXXX that XXXX XXXX had try before, this time for the amount of XXXX dollars-Original Creditor XXXX XXXX. I disputed with XXXX and it was deletedXXXX Report number XXXXDate generated : XX/XX/XXXX. A month ago I found out that the same collection bill from Credence Resource Management was placed for collection on my credit report at XXXX back on XX/XX/XXXX. original creditor XXXX XXXX-amount XXXX dollars. Around XX/XX/XXXX I filed a dispute with XXXX. The collection was not remove from my credit report and I don't know why. I have filed on XX/XX/XXXX a second dispute with XXXX but this time I want a mediator to oversee my dispute because this is an unlawful attempt to collect money I don't owe and it is damaging my credit score put out by XXXX and my credit. The collection reports from Credence Resource Management placed on my credit report has been deleted from the other report agencies because of the unlawful attempt from XXXX XXXX to collect money I don't owe. It is the same alleged bill owe. On XXXX and XXXX the collection placed on my credit report from XXXX XXXX was deleted from my credit report at XXXX, so was on XXXX the collection placed by Credence Resource Management-DELETED-, it was the results of the investigation done by XXXX XXXX
10/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33404	Web
I have received numerous calls from a Collection agency Credence ( credence.com ) XXXX or XXXX ( Ref # XXXX ). The first contact was last month XXXX XXXX, for medical services provided in XXXX XXXX. The Medical responsible party for this bill is the patient 's father. The collection agency has the correct mailing address, and insurance information for her father, but has my name and phone number ( and is insisting that I am responsible and will have my credit score hurt if I do not pay the bill ). I informed them that not only do they have the wrong name on the account, but that the legal responsible party is the father, per contractual terms of our divorce document. The collection agency first contacted me on XXXX XXXX, XXXX I spoke with supervisor XXXX XXXX. I informed him that he was contacting the wrong party and verified that they had the correct mailing and insurance information on file for the father. I also confirmed with the father that he had not received any prior contact nor any notification about an outstanding doctor 's bill. On XXXX XXXX, XXXX, after the father verified with XXXX XXXX XXXX that the deductible had been met, Credence collection agency resubmitted the medical claim to XXXX XXXX XXXX. Today XXXX XXXX, XXXX I received a call and spoke with supervisor, XXXX XXXX ( XXXX EST ) he informed me that the claim had been denied due to late filing. I again informed him that he was contacting the wrong party, and he should call the other name and number on the account, but insisted I am the only party, and my credit will be hurt, and more collection efforts to follow. I have reached out to the father to make him aware of this issue. His concern is that they waited so long to resubmit the claim and now insurance company is denying due to their neglect. Please help - I am worried that my credit score will be negatively impacted by their mishandling of the account information and delay claim submission. THANK YOU for your time and attention in this matter! Sincerely!
10/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90631	Web
On XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I decided that I want to pay both devices off and switch couriers to suit my financials after Covid. When I paid off the devices I have a receipt that states that The devices are paid off and my account is closed and also That I dont owe anything. But XXXX told me that they dont give out receipts when people pay off phones so I had to go in store and take a screenshot. When I switched couriers to XXXX XXXX for cheaper services on XX/XX/XXXX I had them for about 4 months or so. My wife bought me a new phone from another courier so now we no longer have XXXX we have the courier she got the phone from. The first letter I received was on XX/XX/XXXX saying that I owe a past due balance of {$600.00} and that my account is suspended for non payment. I started calling XXXX everyday and they couldnt even tell me how they came up with that amount and why am I receiving letter in XXXX if my account was paid off and closed in XXXX?. So I received another letter stating that I owe {$720.00} and my account been deactivated. So I started back calling XXXX asking about the amount and they still couldnt tell me how I owe that amount. So generally speaking that it takes a phone company 4 months to cut off a phone line due to non payment? Why would I pay anything if For 1 I dont owe anything, for 2 I dont have the service with them, and for 3 account access was denied for me to even log on after I paid everything In full. Then threatens me to pay it or they will put the collection on my credit which they did. So the amount ended up being a collection on my credit and I disputed the debt because its not mine and it got deleted but came back with a different creditor. This collection has been taking a toll on my credit for way too long and the credit bureaus just keep saying that they validated the debt. I never missed any payment with XXXX I never had any late payment on my bill and I paid my devices off. This has to be a misunderstanding
01/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 614XX	Web	Servicemember
XXXX sold its services to XXXX after the buyout. XXXX has absolute crap services. They then sold the local towers to XXXX. Which dropped my service for several months. XXXX then forced me to get their sim card. Which Absolutely did not work. For 2 weeks I had no service at all. While XXXX XXXX overseas staff kept trying to " verify '' my service on my phone. WHEN MY PHONE XXXX DIDN'T WORK AT ALL. Making me go out and buy an entirely new pre-paid phone just to speak to them. They were so ignorantly stupid and couldn't figure out basic english to understand that the SIM CARD, did not work. So they COULD NOT text me a verification code. They would repeat it over and over, even their idiotic managers. They couldn't find out a way to Verify who I was, without the SIM card phone being able to get the text. They couldn't sent me the sprint sim cards, because all the networks were on XXXX VAST largest network ever. Which didn't work in my area. WHY? Because they sold the towers to XXXX. Over the 3 months, I demanded refunds and for them to cover the costs of the items on the account. They put a LOT of credits on the account because the nonsense of having 3 months of no service was absolute XXXX. After they issued the largest credit, I waited 2 weeks. The issues were not resolved when they sent the new sim card. AFTER TELLING THEM FOR 3 months that the T-mobile sims do not work in my area. They were too XXXX to figure it out and sent me MORE XXXX sim cards. I ported my account after paying the last bill and making my account XXXX balance. And went to another company. 4 months of no service was absolute XXXX. After I ported, They reversed the credits and then tried to charge my account and tried to claim I owed them for phones or other devices that weren't paid. Yet when I directly ask them about the credits. They claim they saw them. But see that they were reversed. Then it's not my problem. They reverse the credits. It's their issue. I'm not liable after 4 months of no service.
06/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 078XX	Web	Servicemember
On XX/XX/XXXX of 2017, I reacted to an offer made at an XXXX retail store in XXXX NJ. I was trying to replace a XXXX XXXX XXXX to the latest version, XXXX XXXX. The salesman convinced me to take the package deal that included XXXX, and so I agreed and was expecting my new phone to arrive in the mail. On XX/XX/2017 I received the phone and it was not the model that I was supposed to get. I immediately returned the incorrect phone and asked for the proper phone o be sent. I was told that the phone was not part of the package so I cancelled everything but my wife 's XXXX. No phone, no telephone service and I have been subjected to harassment 's ever since this event. My credit score is near perfect and has been for a very long time. After the confirmed cancellation apparently XXXX XXXX XXXX sent my account to a collection agency. I refuted it through one of the credit reporting agencies, XXXX and the matter disappeared for a while until I suspect the debt collection company sold it once again to another company which is where we are now. I am harassed daily by them with phone calls. I recently disputed it one more time through XXXX. Went through the same fiasco with XXXX and their handing of this is the most egregious. After what they said was an investigation and communication with this collection agency they had the gall to report t hat hey have determined that the debt was valid based on, get this, a certification made by the collection agency that the debt was valid. So that's all it took to continue this travesty. A certification without backup. My complaint is against XXXX XXXX XXXX for selling a fraudulent debt that they knew was invalid to a collection agency, who was grossly negligent and did the same and sold to the current collection agency, who has certified that an invalid debt was valid. What duty do these three have to take care that what they are doing is justified. I have suffered much emotionally in seeing my credit score maliciously attacked.
08/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 333XX	Web
Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
12/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95125	Web	Older American
I am trying to resolve ambulance charges for my elderly mother in XXXX XXXX. The charges were sent to Credence Resource Management in XXXX, and they are still unresolved. Mom ca n't hear and has XXXX that is progressing rapidly. I started contacting them in XXXX and they refused to talk to me. Their XXXX letter/bill to mom said that she OWED over {$1700.00}. But I see today on a Medicare statement dated XXXX XXXX, XXXX that Medicare PAID all but {$110.00}. Why were they asking for the full {$1700.00} in XXXX and until today? I submitted POA papers to Credence ( to get them to TALK to me as the daughter ) in XXXX and they said they never received them. Sent another large packet of papers including POA papers in XXXX with a signature receipt from XXXX XXXX. I received confirmation and signature from XXXX XXXX that Credence took delivery on XXXX XXXX. When I called on XXXX and XXXX Credence said they still had not received it. Their own internal paperwork is lacking! Today XXXX XXXX XXXX talked to Credence for a LONG time. They finally confirmed that they have the XXXX papers and can talk to me. They also confirmed that the bill was sent to Medicare and that Medicare partially paid it. {$110.00} remains to be paid. Mom has secondary insurance with XXXX XXXX XXXX XXXX - XXXX XXXX insurance. Credence REFUSES to send the remaining {$110.00} expense to XXXX XXXX XXXX, because they claim that it wo n't be covered. As I understand it you should just submit the expense and let XXXX XXXX XXXX determine if it is covered or not. Mom had an earlier ambulance ride XXXX XXXX XXXX ) that was FULLY covered by the combination of Medicare and XXXX XXXX XXXX. That is why I am insisting that the expense be submitted to XXXX XXXX XXXX. Please HELP get Credence to SUBMIT the residual {$110.00} expense to XXXX XXXX XXXX! P.S. This form is being submitted by the daughter who has POA. Mom ca n't hear and has XXXX which is rapidly progressing. I am just trying to resolve this bill.
08/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 146XX	Web
My name is XXXX XXXX, today is XXXX XXXX and today I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
01/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37601	Web	Servicemember
Company - XXXX XXXX/XXXX XXXX XXXX - original acct # XXXX was paid by auto payment. XXXX XXXX switched to a new acct # XXXX and billed for the same thing again - double billing. I called XXXX XXXX on XXXX at XXXX and spoke to XXXX who said she could not assist that I had to call XXXX. So, at XXXX I was speaking to XXXX who was finally able to speak with me AFTER a passcode was created. She advised about an early cancellation fee that I finally agreed to after you refused to waive even though it was because of death ( thank you so much for your consideration by the way ). She removed auto-pay and said they would bill for {$150.00} after XXXX minutes on the phone ( order # XXXX ). Another call at XXXX on XXXX, XXXX states the account is still active and open so he transferred to the cancellation department from which I was disconnected after XXXX mins. XXXX, I was speaking to XXXX after being on hold for XXXX mins. He said to disregard the bill that he spoke with XXXX and I owe nothing. XX/XX/XXXX, direct chat with XXXX XXXX and XXXX XXXX, XXXX states that he would fix. XXXX XXXX then sent me to collections with Credence Resource Management. Credence NEVER contacted me that I was no in collections - I only found out because of an alert. I sent them proof that I did not owe. They in turn did nothing but send to XXXX XXXX who stated it was owed. Credence then reported me to XXXX XXXX. I sent them proof that the debt was not owed and all they did was send the dispute to Credence who stated it was owed. Neither Credence nor XXXX did due diligence in this problem. I did speak to an attorney who didn't recommend paying but I was concerned they would start hounding me through work so I paid. I have waited patiently for both to do the right thing and both refuse. On the documents that I have attached, you will see they auto deducted and then billed again. When they created the new account #, they changed the billing months by a few days.
05/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76116	Web
I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against CREDENCE RESOURCE MANAGEMENT , LLC for committing identity theft. I have never given CREDENCE RESOURCE MANAGEMENT , LLC any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANAGEMENT , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANAGEMENT , LLC continues its collection efforts, I will file for litigation for actual damages caused and CREDENCE RESOURCE MANAGEMENT , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92626	Web
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
06/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92020	Web
XX/XX/2020. I notified XXXX, XXXX, and XXXX about an account in my name that had been fraudulently obtained. I filed an Identity Theft Affidavit with each Consumer Reporting Agency and the account holder at the time ( Collection Agency XXXX XXXX Account # XXXX ), The original account is XXXX XXXX account # XXXX. The account was removed from the XXXX, XXXX, and XXXX, and reappeared in XX/XX/2020 under Collection Agency Credence Resource Mana ( Account # XXXX ). Credence Resources Mana sent me a letter acknowledging that they Knew the account had been disputed with the original creditor, but Credence Resources willfully attempted to collect on the account by reporting it to XXXX, XXXX, and XXXX. This is a violation of 15 U.S. Code 1692e. False or misleading representations. " ( A ) the character, amount, or legal status of any debt. Furthermore, Credence Resource failed to inform the Consumer Reporting Agencies that the account was being disputed which is a violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. And, 15 U.S. Code 1681s2.Responsibilities of furnishers of information to consumer reporting agencies '' ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''
01/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 773XX	Web
I have contacted Credence Resource Management on numerous occasions during the month of XX/XX/XXXX regarding a collection account on my credit report. the amount is {$260.00} and the original creditor said XXXX XXXX XXXX XXXX. I also contacted the credit reporting agencies because I had no information on the debt. No one could provide me with detailed information. On my credit report it said XX/XX/XXXX. I have been with XXXX for many years so I was confused. I called XXXX XXXX XXXX and was told I had no account. After repeated calls and attempts to locate an account on their website I spoke to someone who was able to give me the information that the account was From XXXX, he also said that although I had a zero balance when the phone was transferred to another service there could have been charges after the fact (? ). I had no knowledge of this and was not able to locate information without numerous disputes to the credit agencies and spending hours chasing down information. Credence Resource management was not only rude and aggressive but they had no information as to the details of the debt. I have since found out it was incurred after I changed cell phone companies, moved and changed jobs. I offered to pay XXXX XXXX XXXX but they will not remove it from my credit report and the collection agency has the wrong date and is reporting it as a late payment as of this year ( it says on my credit files past due as of XX/XX/XXXX ). I need this debt removed from my credit file ASAP. none of the information was reported correctly and no one has been able to help me. PLEASE HELP ASAP. I am a single mother and I am trying to buy a house. I was told it wouldn't do any good to pay it because the collection agency will continue to report it late in XXXX and it will stay on my credit report as a collection file with the starting date of the debt as! XX/XX/XXXX. This is not fair and if I'm not mistaken is not legal. Please help.
05/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94513	Web	Servicemember
Ive been a victim of identity theft since 2007. I have been paying off debt that isnt mines for years to have them removed from my credit file. I pulled my credit file, I have Credence listed on my credit file, immediately I contacted Credence to report fraud. When I call in Credence can not verify my address or my name as I write it only my SSN and not my correct address. After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a response of all they have to have is SSN. I call and get transferred overseas and a script read to me. I contacted them with all of my info. Today I called in and they said I could pay them 1000.00 $ to remove from my credit file. I refused to pay a debt that doesnt belong to me. Credence refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My FICO shows someone else other than me has been using my Information Im sure theres more fraud to come. Please help, unsure what to do at this point. Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. - followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. - spoke with legal which advised me to file report. Thank you.
04/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CT 062XX	Web
This company has started reporting on my XXXX as of XX/XX/2020, and XXXX as of XX/XX/2020, exact date of being added I dont know but was on my credit as of XX/XX/2020. I only discovered the placement of these derogatory items from this company that I have never heard of prior to seeing them on my credit file. I have never heard of this company before spotting them on my credit files, never entered any agreement with them, and never had a communication from them. I researched this company upon seeing them on my credit files and see that they have many countless violations of the law and complaints issued about them. This is a serious concern to me in that I find it troubling to have a company with such a shady track record to have access to my information and files about me. They have not established their permissible purpose under the FCRA in accessing my credit files. This company opened these accounts more than five days before I typed and sent this complaint and yet has not mailed me a validation letter of such debt. So they have made an initial contact by placing this derogatory information and yet they are violating the law in disregarding the Fair Debt Collection Practices Act by not fulfilling the validation of debt requirement offering me the chance to respond by demanding validation from them, denying me that lawful right. I am demanding of this company all documentation they have on file regarding this alleged account ; signed contract showing the existence of an account, the accounting showing the amount they are demanding, or the full and total deletion of this account from all of my credit files Credence is placing the account on, and their deletion of any and all personal information they have in their possession regarding me, and not to resell this alleged account. I have also demanded verification of this alleged account through the credit bureaus the account is placed on.
11/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 531XX	Web
Credence Resource Management reported to XXXX that they were the " Collection Agency/Attorney '' for XXXX and reported that I owed {$530.00} to XXXX and that XXXX should report in on my credit report as " PLACED FOR COLLECTION '' on XX/XX/2019. I have never received any services from XXXX. I first contacted XXXX by phone asking about the debt and they told me they could not find any account for me. When I asked why their " Collection Agency/Attorney '' had reported the debt to XXXX they stated they would put me on hold and contact Credence Resource Management. They left me on hold for a long period of time before finally taking me off hold and immediately hanging up. That call lasted 42 Minutes and 6 Seconds. While still on hold with XXXX I called Credence Resource Management on another phone. I was transfered to 4 different people claiming to be " Customer Service '' in the first instance, " Collections '' in instances 2nd and 3rd and " the Legal Department '' in the 4th instance. Each person told me they were not able to locate the debt and asked for a lot of personal info, which I provided and also asked for the XXXX account number, even though I had explained several times that I had never had an account with XXXX. I finally hung up after realizing there was no attempt at all being made to help me and instead was being transfered around a call center as a tactic to wear me down and I hung up. That call lasted 41 minutes and 51 seconds. I then contacted XXXX and disputed the {$530.00} entry for all the reasons mentioned above. XXXX states I will receive the decision in the dispute within 30 days. Based on the many complints I see online about erroneous XXXX debts being collected by Credence Resource Management and the experience I had with neither of these companies making any attempt to resolve the issue, I feel something sholld be done to curb this activity from continuing.
06/12/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
In XXXX I had back XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. When I moved, all XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX via XXXX as they instructed. I was shocked when I found out that XXXX XXXX XXXX was claiming that I still owed money. I asked them to provide a bill breakdown of what was owed when I returned the equipment and paid everything owed to them. To this date, they never provided a breakdown and forwarded the alleged outstanding balance to a debt collector, CREDENCE RESOURCE MANAGEMENT # XXXX, {$440.00} alleged amount owed. I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX,, XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX XXXX XXXX. I spoke to XXXX XXXX and then XXXX, his supervisor. My loan officer informed them that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though I returned all the items to XXXX XXXX XXXX. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because CREDENCE RESOURCE MANAGEMENT is not a creditor and has never provided to me any type of credit. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor and they did not even have the information that this was already disputed over the phone with XXXX XXXX XXXX. I do not owe this money and CREDENCE RESOURCE MANAGEMENT is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others.
12/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 852XX	Web	Servicemember
XXXX. account closed and I made numerous attempts to receive shipping boxes to return XXXX boxes. XXXX kept sending them to a undeliverable address which were then returned to XXXX. I finally was able to return the tuners and have XXXX office receipts to prove items were mailed. Numerous attempts to contact XXXX resulted in letters of either credit or " No Payment XXXX ''. Subsequent to the letters of " No Payment Due '' I am now receiving Letters from " Credence Resource Management, LLC '' Excellence Beyond Belief, ( a debt collector XXXX that I owe {$27000.00} and on XX/XX/2016 I received an additional online Bill from Direct for an additional {$83.00} and indicating that the tuner was not returned and is being charged to me. Upon receipt of the correspondence from " XXXX '' I called to dispute the charges and request a full breakdown of charges be sent to me. As of this date I have not received any documents from " XXXX ''. Due to the numerous conflicting " Bills '' and subsequent " Credits '' that I have received I wrote a letter which was mailed on XX/XX/2016 to Direct Corporate headquarters in Colorado and California explaining my frustration with the process of attempting to close my account and return the tuner boxes. To this date I have not had the courtesy of a response other than the threat of " A Bill Collector '' being assigned to collect a debt that I DO NOT OWE! It has become abundantly clear that the transition of tuner returns and billing services from XXXX to XXXX XXXX XXXX has resulted in total chaos and and attempt to collect funds from disgruntled prior customers. A quick look at the number of dissatisfied on the " XXXX '' website will certainly convince any prospective customer to now avoid XXXX. It should be noted that the XXXX Customer Service that was once received from XXXX is no longer there. Full documentation will be forwarded.
08/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NC 27896	Web
Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. North Carolina Debt Collection Practices Act 75 54. Deceptive representation. ( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. North Carolina Collection Agency Act 58 70 110. Deceptive representation. ( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.
09/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL XXXXX	Web
I have been in correspondence with XXXX XXXX since XXXX and Credence Resources since XX/XX/XXXX. Once I had received an alert that a negative account was on my credit report. I informed the representative that this account belongs to my mother whom shares the same first and name as myself, XXXX XXXX. I keep requesting in writing for them to provide me with written proof of the service address/equipment received with my address. Of course no one can provide me with this information, because I never had XXXX XXXX in my life. Credence Resources sent an email from me to look at the debt with the passcode ( zip code ) of the address of the debt. Of course I couldn't look it up because the zip code belongs to my mother. They went back to change the passcode to our name. Again I sent a follow-up email immediately informing them that I was not going to open up someone's mail that didn't have my address on it. I have provided proof of my driver 's license with my address for the past 12 years on. My mother and I had both spoken to someone at the XXXX XXXX about the wrong information in their system only to be hung up on. I come home today to check my mailbox to find that Credence Resources have done the exact thing that XXXX XXXX has done which is to take my mother 's information out of the system and to put my information in their system. I have NEVER once received a bill from XXXX XXXX and Credence Resources before until today. I immediately returned the mail because the account will not have my information on the bill. I have had my own cable/internet provider since XXXX and I have sent the records to XXXX XXXX. This debt hasn't been validated by me because this isn't my account, so this company should be immediately removed from my credit reports. This isn't the first time that I had to dispute debts that didn't belong to me but instead belonged to my mother.
01/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19104	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX [ Credence Resource Management ] [ XXXX XXXX XXXX XXXX ] [ XXXX TX, XXXX ] I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX and tell them the debt is the result of identity theft. [ An account was opened in my name allegedly there were two phones put in my name and I was charged {$1500.00} allegedly around XX/XX/XXXX. I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity
02/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80123	Web
I called and canceled my XXXX service in XX/XX/XXXX because we moved and sold our home where services were registered. The rep wouldn't take no for an answer, but after more than an hour of arguing with them to cancel, not suspend my services, they finally agreed to cancel effective XX/XX/XXXX. Turns out, they ignored my request to cancel and ended up suspending the account for 6 months. I started getting bills again in XX/XX/XXXX and charges started accruing on the account again. Between XXXX and XX/XX/XXXX I called XXXX XXXX times and finally got them to close the account in XX/XX/XXXX, but not before {$560.00} had been accrued on the account. The rep told me that if I didn't pay that amount, the account would end up in Collections, but that only the XXXX Corporate Office could authorize cancelation of the amount due. The rep informed me that they submitted an " Escalation to Corporate '' and I would be contacted with two weeks. After not being contacted by Corporate, I called the rep back and they informed they submitted a second escalation. Again, I never heard from them. A few months later I start getting collection notices from Credence Resource Center. Since then I have disputed the charges with Credence twice, with XXXX twice, placed several more calls to XXXX, and submitted a complaint to XXXX 's compliance office ( never heard back from them either ). Every time I dispute the charges, all XXXX does is send the statements from between XXXX and XX/XX/XXXX to " certify '' the charges with absolutely no mention of the more than 20 times I have attempted to dispute the charges as fraudulent since they were placed on my account several months after I initially canceled the account because we no longer lived at or owned the residence where these services were located. As a result of this, my credit score has dropped by nearly 100 points.
02/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91910	Web
XX/XX/XXXX I answered a call from caller ID ( XXXX ) XXXX around XXXX. The representative was asking information about myself, and I tried to get information what the call was about. The representative seemed hesitant to give me details about the call but was insistent to get my personal information. Eventually, I was told that I have an unpaid balance of {$560.00} from my XXXX acct that was closed on XXXX. Just to give a brief background about the matter. When I cancelled my old account to transfer to a new one, no balance was addressed to the best of my knowledge. I even went to three XXXX retail stores, had a face-to-face conversation with staffs with regards to this particular transaction ( cancelation of account ). And yet nobody mentioned to me that I have to pay the remaining balance of my equipment. I even confirmed with staffs before leaving the stores, and that I don't have any balance. In the two years that had passed, I did not receive any mails from XXXX because they have the wrong number address in their system. I called XXXX ( XXXX ) XXXX to verify the claim. The amount due was confirmed. I wanted to get more information how it happened. The rep can't access to my account via phone, it would be better to go to the XXXX store according to her. Per XXXX rep nothing can be done with matter since it was way overdue and that I have to pay the amount. It is not my intention not to pay any dues. I don't think it was fair for XXXX to put that burden on my shoulder to pay {$560.00}. I felt I was misinformed as a consumer and that the staff did not do a good customer service in addressing me their terms and conditions even when I was already at their store and would be willing to settle the matter and pay whatever due at that time. I am reaching out hoping that this concern be treated fairly and just. I appreciate your assistance.
02/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
On XX/XX/XXXX Credence Resource Management posted this XXXX XXXX collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by Credence validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. On XX/XX/XXXX XXXX XXXX posted this same collection to my credit reports. Clearly they purchased this debt from Credence and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. I also see that either Credence or XXXX XXXX has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. My wife and I are trying to close on our XXXX house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. I request no more than the immediate removal for my credit reports as well as a side letter from XXXX confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
03/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92620	Web
I have been responding to many collection companies in XXXX letting them know that the debt is not my responsibility and I have a letter from the creditor, XXXX XXXX XXXX verifying that the account was created fraudulently using my business name. Here is the letter I sent to dispute the debt again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Credence XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XX/XX/XXXX Reference # XXXX To whom it may concern, I have disputed this collection notice many times now and once again, I dispute this notice of debt because it is not mine. The creditor for the debt is XXXX XXXX XXXX and they have sent me verification that the debt was fraudulently opened using the above business name. Please see attached letter from XXXX XXXX XXXX XXXX XXXXXXXX XXXX dated XXXX XXXX. Pursuant to my rights under the state and federal fair debt collection laws including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts you maintain I owe. XXXX XXXX XXXX XXXXXXXX XXXX completed their investigation and concluded that the party who opened the account was not the referenced business but used the business name XXXX XXXX XXXX XXXX XXXX XXXX for the account. XXXX XXXX XXXX has cancelled the unauthorized account and credits will be issued for any charges incurred. Since this account has been cancelled by the XXXX XXXX XXXX XXXXXXXX XXXX and their investigation concluded that I do not owe any money. I request that you cease and desist all communication with me as I am not responsible for the debt. I have taken this matter further and submitted this concern to the CFPB. Sincerely, Owner, XXXX XXXX XXXX XXXX XXXX XXXX
08/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10033	Web
Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Statement date : XX/XX/19 Creditor : XXXX XXXX XXXX XXXX XXXX account # : XXXXXXXXXXXX Credence reference ID : XXXXXXXXX Balance : {$70.00} Hi, I have a previously cancelled debt for an XXXX XXXX XXXX mobile phone bill that has now been sent to collections with Credence Resource Management. The number on the account was ( XXX ) XXX-XXXX. At the end ofXX/XX/XXXX I requested a change in plan with XXXX XXXX XXXX, but the move was botched and forced me to incur a charge of the aforementioned amount. XXXX XXXX XXXX repeatedly could not fix the issue and eventually recommended I switch carriers, noting the charges would be eliminated as a courtesy in urgent ticket XXXX. The representative on the case was XXXX. However, XXXX XXXX XXXX still sold the debt to Credence, with whom I disputed the case 6 times in the following order : - Two phone calls - Two e-mails dated XX/XX/XXXX and XX/XX/XXXX - Letter In each of the e-mail exchanges, they claimed XXXX XXXX XXXX asserted the charges were legitimate. After the first response, I called XXXX XXXX XXXX on XX/XX/XXXX and had to escalate through 5 different people before they confirmed that the charges were cancelled based on the notes in the urgent ticket above. I do not believe Credence has made a good faith effort to verify this. In the final e-mail exchange, the following was written and the debt remains : We are in receipt of your email, dated XX/XX/2019. Please be advised that we will cease all communications with you regarding this matter. We strive to provide professional and courteous service. I called Credence two more times on XX/XX/XXXX ( XXXX, XXXX XXXX ) and XX/XX/XXXX ( XXXX ) to no avail. At this point, I hope the CFPB will be able to resolve this issue. Thank you.
04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32539	Web	Servicemember
I have received a new company trying to collect this same debt from me that is FRAUDULENT from Early XXXX, the new Company is Credence I called ( XXXX ) and stated I dispute this as I have the others that I do not owe XXXX XXXX XXXX XXXX any money especially {$2200.00}. and I would me making this complaint here today as well. The following is the previous complaint I filed on XXXX XXXX XXXX # XXXX From XXXX or so of XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. I receive calls and letters from XXXX XXXX XXXX XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XXXX of XXXX. Ref # XXXX I did not hear anything back untila notice from ( XXXX ) on XXXX XXXX XXXX trying collect his same amount from XXXX XXXX XXXX mobility. I called XXXX myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XXXX XXXX XXXX. They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. I called the FTC today and they transferred me here to file this complaint. I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
05/25/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA XXXXX	Web
Credence Resource Management LLC, kept contacting me, mail & phone trying to identifying me using an incorrect name, to collect on an XXXX XXXX XXXX debt. Then mailed & phoned my parents. Finally placed collections report with the credit bureaus using the wrong name again. Filed a dispute and arbitration request with XXXX XXXX XXXX in XXXX of 2020. Additionally mailed Credence Resource Management LLC a cease and desist no contact letter. XXXX XXXX XXXX contacted me, and we resolved the issue. Collection reports with credit bureaus were removed. 3 months later, Credence Resource Management LLC calls me on the phone trying to collect on the XXXX XXXX XXXX resolved debt, after having received a contact cease and desist letter. I claimed fraud to get Credence Resource Management LLC to send me some sort of documentation identifying Credence Resource Management LLC. Received documentation identifying Credence Resource Management LLC, and in turn sent Credence Resource Management LLC a demand letter for willful and reckless violations of the Fair Credit Reporting Act as follows ; 1 ) For continued harassment after a cease and desist letter was received by Credence Resource Management LLC. - Harassment - 2 ) Continued collection attempts on a case that has been resolved and forgiven by XXXX XXXX XXXX. - Negligence - 3 ) Heynis misrepresentation, distortion of money owed, to commit extortion and fraud. Outstanding balance was {$260.00}. Credence Resource Management LLC per documentation, was trying to collect {$1100.00}. Over 4 times the original amount. Violates the Fair Debt Collection Practices Act. - Deception - The part that really makes me mad is violating a persons right to privacy, when calling and mailing family members, purposefully causing uninvolved family members duress and conflict as a whole.
09/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	HI 96818	Web	Servicemember
In XXXX, I opened an account with XXXX. Due to their complete data outage and my relocation to an area with already spotty service, conditions in the original contract were not able to be upheld, I decided to terminate within my rights. I was advised by a XXXX service representative that due to my status as an XXXX XXXX Military member and my protections under the Service Members Relief Act that I would not have to pay a termination fee. In XXXX, a collection agency attempted to collect on the {$260.00} that was waived 4 years prior by XXXX. I filed complaints and disputed the charge and it was dropped for a period of time. Every 2-3 years, another collection company would try to collect on this invalid debt, posting it as a newer charge/account which is entirely against provisions in the Fair Debt Collection Practices Act. Credence Resource Management has also failed to adhere to the provisions set forth in the Fair Debt Collection Practices Act by failing to notify me of the collection in writing. According to the Fair Debt Collection Practices Act, Credence Resource Management must tell a debtor : 1 ) the amount of the debt, 2 ) the name of the creditor, 3 ) the fact that unless the consumer disputes the validity of the debt within 30 days, the debt will be considered valid, and 4 ) that the consumer can ask for verification of the debt. I never received any type of notification from this company, in fact, I was never given any type of notice after I had already filed other disputes that were settled in my favor through the CFPB [ Case number : XXXX ] and through the individual credit reporting agencies. Credence Resource Management has also posted this collection as a new charge/account to the credit agencies, even though the original debt is now passed the State statute of limitations.
10/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60644	Web
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Credence Resource Management LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
08/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web	Servicemember
On XX/XX/2018 my husband and I visited XXXX Warehouse to purchase two XXXX XXXXs valued at {$990.00} each. Upon realizing that we could potentially receive the best deal with XXXX XXXX XXXX, we decided to switch our services from XXXX to XXXX XXXX XXXX. After three hours of being in the store and on the line with XXXX XXXX XXXX, the kiosk associate was unable to successfully port my husband 's line from XXXX but promised the phone will be active later that evening/night. My line was able to receive text messages and make outgoing calls ; however, I could not receive calls. We took the phones home and called XXXX XXXX XXXX again to attempt to continue with the port and was unsuccessful. My husbands line never activated or ported over, and my line did not fully port. Frustrated with XXXX XXXX XXXX, we returned the phones to the same XXXX store the next day on XX/XX/2018. XXXX XXXX XXXX issued an invoice in the amount of {$1000.00} due XX/XX/XXXX. I initially called XXXXXXXX XXXX XXXX the week of XX/XX/XXXX and asked the associate for an email to provide a photo copy of receipts to support my claim that the phones were returned. She stated that they did not have an email address for me to send said documents. I called XXXX XXXX XXXX again on XX/XX/XXXX ( the day before I was induced to give birth ) with the kiosk manager from XXXX on the line to resolve this matter. We spoke with agent XXXX or XXXX in the Loyalty Department around XXXX CST and she assured us the account was notated. Matter of fact, the XXXX kiosk manager verified that he could see the notes in the system.I received two subsequent invoices and now a collections letter and call. I informed the collections associate on XX/XX/XXXX that the debt was not valid and that I offered to provide evidence of such to XXXX XXXX XXXX.
09/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
On XX/XX/XXXX, I decided to open a new account with a new phone service provider. I chose XXXX. I signed up and was approved and settled for a XXXX XXXX. I paid a activation fee of {$60.00} and a few days later revived a order number for the phone. A few days pass, and no phone arrives on the predicted date of delivery. I decided to wait it out just in case there was a delay in delivery. However a few weeks later I receive a letter for the first month of the phone bill. At this point I paid {$60.00} and had not received a single service, a phone, or anything from XXXX besides the order number. I decide to call XXXX and let them know I still hadnt received a phone number or phone. I was informed that I would have to go into the actual store to continue the process of opening an account and that I would not be charged until doing so for security reasons. I decided to just let the account close on its own as I was told I would not be charged. A few months pass, and in XX/XX/XXXX I receive a bill for {$250.00} saying I owe past due amounts for something I never received and a service I never had. I called XXXX again and was informed that I had no balance on their end. So I let it go again. On XX/XX/XXXX I received a bill for {$870.00}. At this point Im livid as I had been constantly told I had nothing to pay considering I never received a product or service. I go into the actual XXXX store and they tell me the same thing except that the account was closed this time and that there was no remaining balance. Now as of XX/XX/XXXX, the bill for {$870.00} was added to my credit report and has affected my credit score. I received notice that the bill was turned over to a collection agency which is very upsetting as I have never received a product or service but I am expected to pay {$870.00}.
01/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 019XX	Web
This happened in the middle of the pandemic when the whole world shut down i had XXXX and told them i was going to cancel my phone services because i didnt have a job, they told me dont worry we are giving time to our customers to pay because of the pandemic get 3 months or whatever them you will pay monthly when you get back to work or money coming in to you i accepted and didnt pay for 3 months them i paid one month the next month they want me to pay around XXXX in total i told them that i didnt XXXX XXXX or so because i wasnt working for the pandemic only living with the pandemic money was receiving from my gig job with XXXX XXXX XXXX i was lucky to be included because self employed dont get unemployment but because of the pandemic we did, i wasnt going to pay XXXX in total when i wasnt making money only living of unemployed how i would eat and pay rent, i told them i better shut down the service completely were then to stopped me to do so with the promise of giving customers time and then start repaying month by month at the time feeding me and my kids was more important than paying XXXX in whole, now they sent the bill to a collection agency which are harassing by calling me and telling me that if i dont pay they will send the account to collection and damage my credit no fair at all i dont gon na take the pandemic as an excuse but i was in a position of putting food on my table and pay rent with the money i was receiving from XXXX or pay arrogant XXXX in full i need help i dont want this collection agency ruin my credit that im fixing and making progress over an unfair practices of money hunger XXXX i need help please im fixing my credit this very important to me and now i have to deal with this credit agency maned CREDENCE trying to get me back with my credit progress
09/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74105	Web
This is concerning the debt which we dont owe. With XXXX XXXX XXXX XXXX Bundle with XXXX XXXX, our contract with XXXX XXXX XXXX was over in XX/XX/2018. All the bills was paid in full, call the XXXX XXXX XXXX agent and clear everything. It was with XXXX XXXX we had two years contract and upon signing with the company we were told if we moved away from the location where they were providing service, to another location and if XXXX XXXX XXXX XXXX bundle has no coverage then there should be no early termination fee. We moved to XXXX XXXX from XXXX on XX/XX/2018, and we called the company to transfer our XXXX XXXX XXXX XXXX bundle to our new location, but they dont have coverage in our location, for that they promise us there is no termination fee and we owe {$0.00}. But after few months we received several letters from Credence Resource management LLC collection company saying that we owe {$400.00}. So I call XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/2018. I spoke to XXXX XXXX XXXX agent XXXX at XXXX, she is from Bundle billing department for XXXX XXXX XXXX XXXX, She has checked everything and she told me her supervisor will be writing to the collection company to recall this debt of {$400.00}. The charges was for equipment and early termination fee, I have return the equipment both to XXXX XXXX XXXX and XXXX XXXX. I have both the receipt, that was shipped out on XX/XX/2018 from the XXXX XXXX here in XXXX XXXX XXXX, I have given agent XXXX both the Reference number. I will attach both the receipts for proof. Also the last statement from XXXX XXXX which shows the {$0.00} Balance in our account.Agent XXXX told me we will not be receiving any more letters from the collection company, that all is taken care of, but we still get letters from the collection company.
06/10/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29678	Web
Credence Resource Management LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX I have not received any goods or services from Credence Resource Management LLC, and I do not know how Credence Resource Management LLC received my private information. Upon checking my credit reports Credence Resource Management LLC flagged my credit on XX/XX/2022 with unverified collection activity. Credence Resource Management LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$100.00} owed to them. I did not authorize Credence Resource Management LLC to use my email address or social security number to damage my credit files. Credence Resource Management LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Credence Resource Management LLC . I am not a party to any agreements that Credence Resource Management LLC may or may not have with XXXX XXXX XXXX I am not responsible for Credence Resource Management LLCs purchase / transfer from XXXX XXXX XXXX I have not agreed to pay/tender anything to Credence Resource Management LLC . Credence Resource Management LLCs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. Please be advised that neither Credence Resource Management LLC or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist
01/16/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37363	Web
I was XXXX XXXX XXXX XXXX XXXX. XXXX was on direct debit through debit card. XXXX was lost and had to be replaced. Forgot that this bill was being paid through the card so it defaulted. XXXX was only about 10 days late and they suspended my service Without any notice written, email, or phone call. This was XX/XX/2022. We had not been late on a payment in 15 years due to the direct debit and I was incensed that they suspended my service after only 10 days so I called them and canceled my account. This was XX/XX/2022 I should have only been responsible for prorated amount that was past due and not the entire bill since it is paid in advance. Also they charged me for the entire next month even though I had canceled the service weeks earlier. They tried to collect this and I objected obviously. They turned over to Creedence collection agency They also tried to charge me an extra {$40.00} fee for non return of equipment which was returned and verified. I can provide documentation supporting my argument. XXXX XXXX XXXX turned me over to collection ( Creedence ) and I Formally disputed the charges through written document but they still continue to harass by making repeated phone calls which is illegal. They also Put mark on my wife 's credit since the debit card was in her name. I Provided them with evidence supporting my argument but never got a response as I assume they just don't care. I have attached bank statements that show continued withdrawal till XX/XX/2022. I have attached files that show the charges AFTER I canceled service XX/XX/XXXX. There is a bill shown from them that shows ADJUSTMENTS to charges on that same date and a screenshot of XX/XX/XXXX phone call from me to verify. They then proceeded to charge me again for services in XXXX. Thanks.
03/09/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07003	Web
THERE WAS NO OPTION THAT CLOSELY RELATED TO MY ISSUE. I CALLED CREDENCE TO DISPUTE THIS ITEM AS I HAD DISPUTED IT THRU XXXX XXXX ONCE AND IT WAS REMOVED FROM MY CREDIT AND THEN RE-APPEARED. THIS ITEM WAS FROM A PROMOTION TO SWITCH FROM XXXX TO XXXX. I DID WHAT I WAS SUPPOSED TO AND XXXX NEVER PAID XXXX. I DONT FEEL LIKE I SHOULD HAVE TO THIS IMPACT ME NEGATIVELY WHEN XXXX DID NOT DO WHAT THEY WERE SUPPOSED TO DO. I SPOKE WITH CREDENCE WHO SAID I SUPPOSEDLY RECEIVED A GIFT CARD TO PAY XXXX. I NEVER RECEIVED A GIFT CARD. IF SOMEONE IS WILLING TO INVESTIGATE IM SURE YOU CAN DETERMINE THAT ANY GIFT CARD THAT WAS SUPPOSEDLY SENT TO ME WAS NEVER USED ( THEY SHOULD HAVE THE CARD NUMBER ON FILE ) OR IF THE CARD WAS USED, THEN FURTHER INVESTIGATION WOULD SHOW THAT IT WAS NOT USED BY ME OR ANYONE THAT I KNOW. I OBTAINED PERMISSION FROM THE CREDENCE REP TO RECORD THE CALL. I WAS ASSURED COUNTLESS TIMES OVER THE COURSE OF OUR CALL THAT IF I SETTLE THE DEBT FOR LESS THE ITEM WOULD BE DELETED FROM MY CREDIT AND THAT I WOULD NOT REPORT AS " SETTLED FOR LESS '' OR ANYTHING TO THAT EFFECT. OF COURSE I GET A NOTIFICATION TODAY THAT SAYS THERE IS NEGATIVE ACTIVITY ON MY CREDIT AND THEY HAVE REPORTED IT AS " LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE '' I CALLED THEM TO ALLOW THEM THE OPPORTUNITY TO CORRECT THIS AND THEY REFUSED. AGAIN I HAVE THE INTITIAL CONVERSATION RECORDED AND CAN PROVIDE THAT IF YOU WOULD LIKE. I WANT TO MENTION AGAIN THAT I OBTAINED THE REPRESENTATIVES PERMISSION TO RECORD THE CALL. PLEASE PROCEED WITH AN INVESTIGATION BECAUSE IF I HAD NOT BEEN LIED TO I WOULD HAVE PAID THE BALANCE IN FULL WHICH IM SURE THEY WOULD HAVE WANTED. I CAN NOT AFFORD TO HAVE NEGATIVE ITEMS ON MY CREDIT AND THEY LIED TO OBTAIN A PAYMENT. UNETHICAL SHADY BUSINESS PRACTICES
04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27610	Web
XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$5900.00} Credence Resource Management ( opened XXXX ) {$1800.00} XXXX XXXX ( opened XX/XX/XXXX ) {$1000.00} In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions. Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XXXX. HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
01/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77095	Web
I was told that I had 30 days to return my Cell phone that I purchased from XXXX XXXX XXXX. I work remotely, and shortly after purchasing the phone I realized I do not have XXXX XXXX XXXX service in my home. The signal was so terrible that I had to go in my backyard to have business meetings. I called XXXX XXXX XXXX and told them about the problem. They informed me since it was not an issue that they could fix ; that they would cancel my contract and send me a prepaid label to return the equipment. I did not think there was any problem until several months later when I received a collection bill for the full price of the phone THAT I NO LONGER HAD in my possession. So I feel robbed by this company. Not only did they take a brand new {$1000.00} cell phone back from me, they are also billing me for the equipment. I have contacted them several times and was told that I was over the 14 day return policy by a few days when I returned the equipment. I was not told this when the representative agreed to mail me the return label. If I was going to be held responsible for the bill, I should at least have the phone that I could resale to someone who can use the XXXX XXXX XXXX XXXX to cut my costs. However, this was never a thought as the company agreed to cancel the contract, and they accepted the phone back with the prepaid label provided. I feel this is fraud for them to accept a new phone back, that they get to make a profit on again and charge me as the consumer the {$1000.00} for a phone I don't even have. I have the text chat from my 3rd call to the company, and the return policy that shows online that there is a 30 day cancellation policy. I told the the representative what was posted online, and they just told me the information was incorrect.
03/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33579	Web
During my annual review of my credit report, I notice per XXXX a collection from Credence Resource Management , LLC on behalf of XXXX XXXX for {$740.00}. I contacted Credence Resource Management at XXXX on XX/XX/XXXX on a recorded line, per my conversation with the initial rep and a person claiming to be a manager, I asked to verify the total amount and when and to where did they send me any communication regarding this account. The came back with an address that is not associated with me, nor could not provide a true history of the account balance. I wanted to resolve this matter as quickly as possible and I asked for a settlement amount as I do not agree with the balance of {$740.00} as I have maintain all invoices during the last year of service and the bill for service was not {$740.00}. They came back with a figure of roughly {$470.00} which is still double the amount. I asked the manager to please see me an invoice or documentation stating the settlement offer in an email which he stated he would do, however, I have not received any other communication. Since, I did not receive proper notification from the debt collector regarding the : 1 ) The amount owed 2 ) Name of Creditor and 3 ) Consumer rights I submitted a despite letter to Credence Resource Management , LLC on XX/XX/XXXX to XXXX. I provided a detail timeline of the invoice and the correct amount I owed this company along with a settlement offer and supporting documentation but the company respond on XX/XX/XXXX ( less than one week ) they have confirmed the debt with the creditor. I feel both Credence Resource Management and XXXX XXXX are in violation of state and federal law regarding debt collection. Upon requested of evidence supporting debt, none have been provided.
09/29/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30125	Web
This company ( Credence ) has continually harrassed me by calling my phone number daily ( M-F ) sometimes twice daily. I finally asked them to take my number off the list because I am not the person they are trying to reach. I only received this number because I changed my original phone number. Therefore I am certain they are searching for the person who previously held it. As of now they continue to harrass me. They have even resorted to changing area code from which they are calling. They have called on : XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX pm XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX : XXXX XXXX XX/XX/XXXX from XXXX at XXXX : XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX : XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX from XXXX at XXXX XXXX
02/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94551	Web
I was with the phone company XXXX four years before I decide to make the switch to XXXX. I made sure all my service bills were paid and I completely paid off the device I got from XXXX. After this, XXXX still comes bothering me about a random equipment charge that they say I owe which is {$310.00} in total. I immediately call XXXX and explain to them that I never received this equipment that they claim I owe them. I stated that I have never discussed that I need any such equipment. XXXX claim they would do an investigation I never got back to me. In XX/XX/2023 received a collection account totaling in the amount of XXXX XXXX This was highly alarming due to the fact that I have NO derogatory marks on my credit report. I then checked " XXXX XXXX '' and seen that this collection account was from a company called " XXXX XXXX XXXX XXXX ''. I then proceeded to send them a validation letter asking for any proof that I asked for this equipment, proof that I ever received this equipment, or any proof that I've ever signed any document stating that I wanted this equipment. This company then sent me a response letter saying that the charges are valid without verifying anything. In my validation letter I also explained to them that I would go to the consumer financial protection bureau if they did not properly investigate this!! THEY FAILED to properly investigate the issue and did not remove the negative collection account!! This should be illegal and it is wrong, just because I switched phone carriers does not mean I should be squeezed for every dollar, or falsely accused of owing money for something random. This company has hurt my credit score and this collection account shall immediately be removed due to them falsely accusing me!
08/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web
Reason for this dispute is a Unknown account from CREDENCE RESOURCE MANAGE # XXXX. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well a complain under FDCPA 809. Validation of debts ... ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
11/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 99206	Web	Older American, Servicemember
I closed my account with XXXX in XX/XX/XXXX. In XX/XX/XXXX, someone within XXXX reactivated my account with out my authorization or any notice to me. My previous account had been set up with automatic payments via my debit card. Consequently, {$600.00} was paid to XXXX. I contacted the company and was told that the matter had been referred to their fraud department and law enforcement. However, the charges were never refunded to me. I contacted VISA and provided date by date records of my communication and copies of the bills. VISA reversed the charges. Thus, I was made whole and I considered the matter resolved. Within two weeks of the charges being reversed by VISA, I received a past due notice from XXXX and notice the matter was going to be turned over to collections. I called again and talked to multiple people. Eventually I received a short written notice from XXXX dispute section advising me they considered my account overdue. It was clear from the letter that they had merely looked at the financial record of my account and since VISA had reversed the charges, I now owed them money, i.e., no indication at all they had considered that the initial action of reopening the account was not my responsibility. I soon received a written notification from Credence Collections that they were attempting to collect this debt and that I had 30 days in which to dispute the claim. I submitted all of the supporting documentation I had sent to VISA along with dates and copies of documents of what had transpired since then. Within two weeks, I received notice from Credence that XXXX considered the debt valid and within days, I received my first collections call from Credence. Any day I expect the matter to hit my credit report.
09/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30342	Web
I have disputed and BOTH CREDENCE RESOURCE MANAGEMENT IS REPORTING FALSE INFORMATION TO MY CREDIT REPORT AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report
04/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 945XX	Web	Servicemember
I had an alleged Debt with XXXX XXXX for an XXXX that was showing up on my XXXX credit report. I sent XXXX XXXX a debt validation letter by certified Mail on XX/XX/XXXX. I have attached copy of certified receipt. XXXX never responded and the debt was deleted off of my XXXX Credit Report ( I have attached the letter of deletion from XXXX ). I was thinkng I have resolved this problem. On XX/XX/XXXX I received a letter from Credence Collection about of that same XXXX debt I do not owe and that was deleted off of my XXXX Credit Report. We followed the same procedure and sent Credence a validation letter onXX/XX/XXXX they received my dispute letter on XX/XX/XXXX ( I have attached paperwork and certified receipt ). I never received any validation of this debt from them, then On XX/XX/XXXXthis dept reported on my XXXX Credit report. They are not following the law under the FDCPA voilating my right under the FDCDA the right to dispute this debt. Credence never responded with any validation of proof to this debt. They never responded with any documents to prove this debt was a verifiable debt.Credence placed this debt on my XXXX credit report on XX/XX/XXXX. Credence stated if I do not notify their office within 30 days after receiving this notice that I dispute the validity of this debt, or any portion thereof this office this office will assume this debt is valid. I did by law what is my right sent them a validation letter. Credence is in blatant voilation of the FDCDA. The fact that this debt was disputed and removed from my XXXX credit report. Sold to Credence and they still have not validated this debt with me and is using my credit report to pay a debt I do not owe. Please Please Please help me in this Matter.
03/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 99301	Web
Friday XX/XX/XXXX I had paid Credence for my direct tv that is in collections, they are the last bill/mail I could find about it. Saturday XX/XX/XXXX {$290.00} was withdrawn from my husband 's XXXX account for the payment. Yesterday Monday XXXX I found out that Credence is not in holding of my direct tv collections but XXXX XXXX XXXX is. So I called Credence to see if they could send my money back to me so I could get it to the right people. Credence said they have no record of the payment. So I called XXXX at XXXX XXXX, we are trying to refinance our house and part of it is paying the collections off. XXXX suggested to wait til Tuesday XX/XX/XXXX ( today ) to called XXXX XXXX to see if Credence sent the payment to them possibly. So I called Enhanced Recovery as suggested. The lady at XXXX XXXX told me nothing was sent to them but they are the ones holding the collections. She also told me that Credence shouldn't have taken the money out when they are not in holding of this collection account let alone me being able to even access the website for payment. She recommended calling Credence back to find out why they still withdrew the money. After i got off the phone with XXXX XXXX I called Credence to find out the information. The lady at credence said again they have no record of payment or it being with drawn from my husband 's hapo account even though I have a saved pdf of the account showing Credence withdrew the {$290.00} from the account as well as the receipt from making the payment. Credence is withdrawing money not within their holdings and claiming no records of such withdrawing 's or payments being made. I need that money back so I can get to the right company holding my direct tv collections.
07/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43231	Web
Suddenly received an email of " final notice '' in XXXX XXXXfrom XXXX XXXX XXXX! Wondering what it was for, I called the customer Service and she said it was adjustment from combining my wireless and internet service! I decided to pay the {$37.00} right there and then! A few days ago, I received a correspondence from Credence, a collection company that I owed XXXX XXXX XXXX {$37.00}, AND MUST MAKE ARRANGEMENTS TO PAY! The letter was dated XX/XX/XXXX for the bill I paid on XX/XX/XXXX! I called to let the Collection company know it was an error that I did not owe XXXX any more and that, the amount indicated was paid back on XX/XX/XXXX! The guy at Credence, XXXX XXXX, was of no help! I decided to call XXXX XXXX XXXX. I spoke with XXXX, but he too could not help to locate the payment but indicated that I had XXXX balance as of today on my account. I decided to chat with XXXX in their chat service because it takes a whole day to speak with a live person. XXXX did say it was a " pending amount ''! I said how could a pending amount yet to be paid be sent to Collection! He could not help either! I combined my wireless account and mobile accounts into one withXXXX on XX/XX/XXXX at their billing department! I also spoke with XXXX on XX/XX/XXXX about further issues with the account! XXXX was able to successfully combine the accounts and provided me one account #! XXXX XXXX XXXX is charging me to pay again the account I already paid which was acknowledged in an email sent to me! The collection company indicated it was for XXXX XXXX XXXX XXXX XXXX! I haven't had TV service with XXXX XXXX XXXX since XXXX! Iseem to spend my days off calling XXXX XXXX XXXX for one problem or the other! Thank you. XXXX XXXX XXXX
12/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70769	Web
End of XX/XX/XXXX, I moved to a new house and discontinued services with XXXX. Returned equipment and paid bill. Few months later I found out I had a derogatory hit on my credit report saying I owed {$450.00} for not returning equipment. I was never notified in writing and found out through credit monitoring. I had mail forwarding for a while, but by the time this noticed received it had ended. I then contacted XXXX and disputed with collections agency XXXX. It was removed from my account. Then convergent added to my credit report in XX/XX/XXXX with open date of XXXX. No letter or other notification of collections. I fought with them for a few months since I wasnt notified to dispute and finally was removed from my report. Then XX/XX/XXXX, another hit on my report, but now with credence rm. no letter or notice. Spoke to credence multiple times the past week and they said its company policy to send notice to address on file from XXXX. I asked even if its been 6 years and I discontinued service with XXXX for new address, which currently has XXXX XXXX? Each time they add this collections to my report it always appears to be a new hit and I lose XXXX points on credit. I dont even get a notice its going to happen to try and prevent from being hit. Ive felt with XXXX and 3 different collections agencies and keep getting harrassed. Spoke with supervisor with credence and he didnt listen to anything I was saying and lied about being the only collections agency to request info. Told me they cant help I changed my address and that they couldnt update the incorrect info provided to credit agencies. And said the only way to resolve was to submit payment. Im not paying .1 to them for something I returned.
02/08/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KY 42101	Web
According to the Fair Credit Section 609 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through the physical verification of the original consumer contraction all and any account you post and credit report. I am demanding validation made pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act along with the corresponding local and state laws. Note that I am requesting validation that is competent evidence bearing my signature showing that I have ever had an obligation to pay you. Please also be aware that any negative mark found on my credit report from your company or any company that represent for debt that I do not owe is a violation of the FCRA FDCPA therefore, if you can not validate the debt, you must remove. Pending the outcome of my investigation of any evidence you submit you are instructed to take no action that could be detrimental to my credit report. Failure to respond within 30 days of receipt of this letter may result in legal action against your company or XXXX dollars in damage per violation for : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Sec 807-808 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Sec 623 ) Please be aware that depending upon your response, I may be detailing any potential issue with your company via online public press, including any documentation of any small claim action. I am also sending a copy of my complaint to the Consumer Finance Inspection Bureau. Credence Resource Management XXXX XXXX XXXX XXXX XXXX Debt XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
01/31/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 147XX	Web
I was contacted by credence saying that I owed them XXXX for an XXXX bill. I told them I could do a payment plan and they were trying to get me to pay a lump sum- this was in XXXX. I told them I would call back in XXXX when I could make the 1st payment since they were so adamant on a lump sum. I forgot I had already given them my bank information. When I got paid in XXXX I called on the XXXX and scheduled a payment arrangement for {$70.00} that day and {$100.00} on the XXXX of every month until XXXX. No one informed me that they had already charged my card that day for {$100.00} and proceeding to charge me again. I realized what happened after getting off the phone with them and checking my bank account. When I called back they informed me I had one payment arrangement scheduled for the XXXX of every month and 1 for the XXXX I told them they needed to refund my {$100.00} and cancel one of the payment arrangements. They said they sent me a notice in the mail but I did not receive this notice until the XXXX of XXXX. Which is way after they debit my account. Further the notice was dated only 2 days before they withdrew the money which means it was not sent out the day it was printed. They said I wouldnt get my money back until 22 business days after it was processed. I told them that was unacceptable and they said I should just leave it as an extra payment or payment for XXXX. I told them that could not happen because they were leaving me without funds. They said no later than 22 days. Yesterday I called back to see if the refund process had begun and they told me 15 days before the refund process begins and 22 days before I even see any result. They are holding my money hostage. Help!
02/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30297	Web
I have been disputing with Credence Resource Management against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that Credence Resource Management collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.
11/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NH 031XX	Web
I received a letter from Credence Resource Management saying their client, XXXX XXXX XXXX, had purchased my account. This was for a medical bill from an accident that happened in XXXX 2014. I had quite a few bills from this accident that I had to work to get re-submitted and paid by insurance and I believed I had dealt with all of them. This bill was for {$990.00}. After calling, they told me they could not re-submit my bill to insurance as too much time had elapsed. When I pressed that this was not my responsibility and there must be a mistake, I was put on hold for XXXX minutes. When I talked to the representative again, she indicated there had been a mistake and that I only owed {$70.00}. I asked why I owed this amount and after a lengthy explanation ( none of which made any sense ) I told her I was concerned this was a scam. She asked me if I wanted to speak with a supervisor and put me on hold. Very quickly someone else got on the phone and informed me that I did n't owe any money and apologized for the inconvenience. I do n't know how these people got my medical information, but it seems like a clear scam where they were trying to get me to send them {$990.00} by claiming my insurance did n't cover a medical bill and trying to hold me responsible. This company SHOULD NOT be allowed to keep doing this to unsuspecting US citizens ( I did a search of Credence Resource Management and all of their employees on XXXX are based out of XXXX, XXXX ). This company is either blatantly scamming people or hacking and stealing personal information about medical bills and then sending fake bills. This is not right and I hope someone can stop this from happening to other people.
02/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94605	Web
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
02/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 17109	Web
XXXX 's debt collection agency calls nonstop every single day. They don't leave messages at all. They call my house phone and my cell phone repeatedly. I spoke with this debt collection agency about my bill on XX/XX/18 and told them that I will pay the bill when I get the money. I told them I would pay the bill early XX/XX/XXXX. The calls are as follows : Cell Phone : ( XXXX ) XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called once XX/XX/18 - called twice XX/XX/18 - called twice XX/XX/18 - called twice House Phone : XX/XX/18 - called once = 3 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called once = 2 times total that day XX/XX/18 - called twice = 4 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called twice = 3 times total that day XX/XX/18 - called twice = 2 times total that day XX/XX/18 - called once = 1 time that day ( can't believe it ) XX/XX/18 - called once = 2 times total that day XX/XX/18 - called once = 1 time that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called twice = 4 times that day XX/XX/18 - called three times = 5 times that day ( I spoke with them this day about paying my bill when I got the money. The supervisor on the phone continued to ask me to leave credit card information for payment arrangement after I told him, probably like 6 times that I would call them back to make the payment. After speaking with them, I got another call from them at XXXX XXXX on my cell phone )
03/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85206	Web
XXXX I received a notice from XXXX that Credence Resource Management , LLC added a collection account to my report in the amount of {$1800.00} stating Collection Account Open XX/XX/XXXX. I have NEVER heard from this collection agency prior to this being added on to my XXXX report on XXXX. I emailed the company on XXXX asking for proof of this collection along with a settlement letter. On XX/XX/XXXX I received an email to use my zip to view the letter. My zip code did not match, I emailed back and informed them of this on XXXX. On XX/XX/XXXX, they resent the letter dated XX/XX/XXXX to use my 1st name for the password. The mailing address for me on this letter is not valid and has not been valid since XXXX of XXXX the letter is only labeled as : " VERIFICATION OF BALANCE ''. This letter does not contain any form as how I can dispute this collection. The Notice of Debt must contain a statement advising me of my rights under the ( FCPA ), including a statement that I have the right to dispute the debt within 30 days of receiving the letter. This letter does not contain the following : The date of the last statement or invoice provided to the consumer by the creditor. The charge-off date. The date of the last payment applied to the debt. The date of the transaction that gave rise to the debt. The notice labeled " VERIFICATION OF BALANCE '' does not prove this debt and the letter does not provide the following information as a way to dispute : This is not my debt. The amount is wrong. Other- they must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute :
04/10/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX XXXXX	Web
To Whom It May Concern : REF : Intent to file suit : violation of the FCRA and the FDCPA I have sent XXXX previous letters to you, all via the CFPB portal to ensure proper delivery ( see all previous complaints filed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that this accounts information is invalidated and that you violated the Fair Debt Collections Practices Act by ignoring my requests to investigate this account. My previous letters all sent via the CFPB portal stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County District Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and the FDCPA and intend to pursue them to the maximum. CREDENCE RESOURCES : PLEASE BE ADVISED THAT I WILL NOW ONLY ALLOW YOU 3 BUSINESS DAYS FROM THE DATE OF YOUR RECEIPT TO REMOVE THIS INVALIDATED ACCOUNTS INFORMATION FROM MY PERSONAL CREDIT REPORTS! IN THE EVENT OF CONTINUED NON COMPLIANCE WITH THE LAWS SET FORTH, YOU WILL LEAVE ME NO OTHER ALTERNATIVE BUT TO FILE MY LAW SUIT AGAINST YOU FOR CONTINUING TO KNOWINGLY AND DIRECTLY VIOLATE THE LAWS! I AM NOW ALLOWING YOU 1 MORE OPPORTUNITY TO REMOVE THIS ILLEGALLY ACCOUNTS INFORMATION FROM ALL XXXX OF MY PERSONAL CREDIT REPORTS ( XXXX, XXXX, AND XXXX ) I anticipate your response. Sincerely, XXXX
07/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77035	Web
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely, Credence did not send me anything thereof with my signature therefore I asked that this debt be ruled not valid.
05/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70122	Web
I sent the following correspondence to credence on XX/XX/XXXX : Dear : Credence Resource Management On XX/XX/XXXX I noticed this debt on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Louisiana Fair Debt Collection Statute RS 9:3562. Please forward the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA require that you honor this request. Sincerely, XXXX XXXX On XX/XX/XXXX they let me that they had received my complaint and would investigate. On XX/XX/XXXX I requested the results of the inquiry in writing with additional calls on XX/XX/XXXX and XX/XX/XXXX with no response. The company then responded on XX/XX/XXXX indicating they were still investigating. I then called the same day and received no clarity.
05/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22407	Web
Credence Resource Management XXXX has placed a collections account with XXXXXXXX XXXX XXXX on my credit report which is false. I called Credence on Friday, at this point I had no idea what the collections was for or regarding. XX/XX/2023 because they had placed an account with XXXX XXXX on my credit report I explained to Credence representative that I have never had an account with XXXX XXXX, they stated it was from XXXX XXXX, which I also have not had. I asked about correspondence and why I have not received phone call or a bill and they stated they emailed me in XXXX, which, if they did it wasn't on my email. They stated they received the account in XXXXXXXX XXXX XXXX, sent an email in XXXX and placed it n collections on XX/XX/2023. After continuously going back and forth with the supervisor on Friday evening, who was trying to do everything he could to get payment or a small payment and a payment plan he kept telling me if I made a payment it would be off my credit report in 14 days. I knew this was untrue and ended the conversation. I called XXXX XXXX today, XX/XX/2023, to inquire about the collections. The representative took my information, and him and a supervisor looked at history and current accounts and verified I owed nothing and there was no account under my name at all in there records. I now have a collections on my credit report for {$520.00} that has caused my credit score to drop XXXX points in the midst of trying to find a home by XX/XX/XXXX and they check my credit score for approval. Please advise me of any steps I need to take from here and how to remove this from my credit report. Thank you.
02/12/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OR 97068	Web
I got a phone call from XXXX out of XXXX, CA. I used to live in XXXX CA and XXXX is XXXX minutes away. I moved to XXXX XXXX, XXXX in XXXX of XXXX and have been living here since. I recieved their first call on XX/XX/XXXX at XXXX I picked up the phone no answer, they hung up on me. I got a 2nd call at XXXX same day. I picked up and said hello repeatedly before a man with a XXXX accent started talking to me saying he was contacting me from Credence Resource Management. I asked what this was regarding and he asked if i was the parent of XXXX or XXXX XXXX, whom is my XXXX year old son. I said yes, I am, what is this regarding. He continued to say we need to verify his date of birth. I said, i dont even know who you are and your calling me out of the blue to verify my sons birthday, what is this regarding? He proceeded to say that its regarding an Ambulance ride. I said, that happened a while back ago and this is the 1st time im hearing of this. What is this really regarding? He didnt state why he just kept asking for my sons birthdate. I said, NO, I have no idea who you are and nor do i trust you with so many scam phone calls happening today, if this is something really important send me a letter and I hung up. Upon researching the name of the company, it appears to be a legitimate colletion agency from Texas, but I should have any debt because no one has ever tried to collect from me for an amblulance ride when i had health insurance. I think some scammer is using the companies name as a cover and somehow found out that I had an ambulance ride with my son XXXX some time ago and trying to extort me for money.
12/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 80923	Web	Servicemember
My daughter, who turned XXXX on XX/XX/XXXX, had a medical issue in XX/XX/XXXX and used a wheelchair service belonging to XXXX XXXX XXXX ( XXXX ), an ambulance company. Several months later, I her father, received a bill for about {$450.00} for that wheelchair use. I contacted their customer service and notified them that I was not responsible for the debt and why. They took my information and said they would investigate. About a month later I received another bill from them, and I contacted them again and explained the situation to a different customer service rep. I DEMANDED that they send me proof of the debt, knowing they would have nothing since I was not even there the night my daughter entered the hospital to sign any sort of paperwork whatsoever. They assured me the issue would be sent to their advanced investigation team. About two months later I began to receive calls from a " Credence Resource Management , LLC '' a debt collection agency on behalf of XXXX. I explained to them on my one and only phone call the situation and that if they wanted to get wrapped up in the suit I now intended to file against XXXX, to keep attempting to collect this debt. They requested that I send an email to them explaining the situation- which I did - and their response was that they would cease attempting to contact me regarding the debt. I know the FCRA requires them to stop calling if requested, but it doesn't necessarily mean they will stop attempting to collect on the debt or foolishly begin to damage my credit. If they do, I will be reporting on them as well and initiating a suit against them for damages.
03/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90043	Web
On XX/XX/2019, i received a notification from XXXX and XXXX that a debt collection had been reported to my account. This debt showed for the amount of {$970.00}. The debt collector appeared as Credence Resource Management. After telling them i had no idea of what debt they spoke of, they mentioned that it was an attempt to collect a debt and that they had already reported me to credit bureaus. I told them i had not received any debt information and that it was against the law to report a debt without serving a 30 day notice. They did not care and still went ahead to continue asking me for money. On XX/XX/XXXX, i received a letter dated to XX/XX/2019 in which they still did not give me the opportunity to dispute the account. Now this letter states a date in which an account was opened ( XX/XX/2019 ) Soon after reading the letter, i called XXXX and spoke to a rep named XXXX XXXX ID number is XXXX who reaffirmed that there was no account under my name, social or even the account number i was providing. This is leading me to believe that Credence Resource Management is fraudalently opening accounts and also not abiding by the law before they report consumers. The XXXX rep adviced that i report Credence Resource Management to their fraud department for which i did. In no way, does Credence Resource Management ever explain the debt or break down this debt. Naither portion of their mentioned debt ever coincides. One rep tells me the account is from XX/XX/XXXX, the XXXX final bill states XX/XX/2019. Credence respurce management and XX/XX/XXXX seem to be working together to open a fraudalent account.
12/12/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 46151	Web
Company : Credence Resource Management This company contacts me from various numbers and blocks their identify when they call. I have noticed they use a pattern when they call me so I 've been able to add them to a block list, but they are relentless. I have spoke to the company and they were going to set me up on a deferment due to loss of job ; however, they never completed this process and now will not provide me with that ability. They call me from the following numbers and never identify themselves or leave messages ; XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX ( Asked rep to send me copy of debt ), XXXX XXXX ( Same Rep called back just to bother me because I hung up on them for not identifying themselves to me. They stated they will put me in the system to get more phone calls since I 'm not wanting to pay my debt in a timely way. ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX ( Spoke with their Rep and told them about loss of job and they stated they would make notes and set me up on a deferment, but they never did ), XX/XX/XXXX - XXXX XXXX
04/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60172	Web
I want to file a complaint with Credence Resource management for deliberately trying to reage a debt which is against the law! This is a collection agency that now owns an account for my old account XXXX XXXX XXXX.It was first reported late in XXXX by XXXX XXXX XXXX . It was eventually turned over to a collection agency in XXXX. In XXXX XXXX, i had filed for XXXX XXXX Bankruptcy which i had dismissed in XXXX. No-one other than my attorney received any payments from me from the bankruptcy. This is no reason to re age a debt to another 7 years! The original date of first delinquency must always carry over from the original creditor no matter who owns the debt. They put it on my credit report as a new charge off account which is not legal! This cost me 20 points on my credit report! This is against my rights under the fair credit reporting act! Also, they never sent me anything in writing on this debt which is required before adding it to my credit report which is also a violation of my rights! I have 30 days to review it and a right to dispute this information before it goes on my report. They violated my rights! This account must be deleted due to discrepancies and by not filing the law! I have enclosed all of the original bills from XXXX XXXX XXXX as proof of the original date of delinquency! Also, this bill has been in dispute for some time. I had went round and round with XXXX XXXX XXXX about the charges and unless they offer me a settlement, i am not willing to pay it. The bill is showing allot more than what i owe!!! Credence Resource management Account # XXXX XXXX XXXX XXXX Account # XXXX
07/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94541	Web
Received a collection bill from Credence Management LLC stating they collecting on behalf of XXXX XXXX XXXX. These collections from Credence Management LLC was on behalf of : Creditor : XXXX XXXX XXXX Creditor Account Number : XXXX Credence Reference ID : XXXX This bill is for an XXXX over 2 years ago ( XXXX 2014 ). I have lived in my current addresses for years and I never received an XXXX bill. I contacted my insurance and they stated all XXXX cost share/co pays paid by me is {$0.00} and any and all payments have been paid to by insurance company with an outstanding balance of {$0.00}. Multiple attempts were made by my insurance company to contact both Credence Management LLC and XXXX XXXX XXXX, but both companies refer to the other. Both companies did not give given sufficient information, or correct information or cause to my insurance. My insurance is confused and she never dealt with this type of side-stepping before. I also tried to call the phone number listed XXXX, but this number is transferred to an offshore location ( XXXX ). I could not get a clear picture of what was going on from the person and they transferred to his management. After waiting for an extended period of time, I hung up. I sent a certified letters ( to XXXX Credence Management LLC locations - XXXX, XXXX and XXXX, XXXX ) ), per their instruction, stating I am writing to dispute the validity of this debt or any portion thereof and request a copy of this debt or judgement. There is something strange/fishy going on here. I feel they are trying to phish for information and/or receive money that I do not owe.
10/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT 06095	Web	Older American
Early XXXX, I terminated my phone contract with XXXX, and switch to XXXX. A month after the split I received a call about the remainder balance around {$300.00}. which I charged it to a CC. On XX/XX/XXXX received another bill from XXXX saying there's another charge for {$310.00}, but wouldn't explain the charges, or why would they send me two different bills after the cancellation, except that I needed to pay it. I refused to pay the second bill because it seemed the same bill. On XX/XX/XXXX, I received a bill for {$310.00} from a collection agency, XXXX ( still have a copy ) Client Account # XXXX XXXX Account # XXXX with a full settlement amount of {$190.00}. I explained to them I needed the break down in order for me to see the charges and will be more than happy to take care of it. But they never followed up. After that, another collection agency bought the balance by the name of ( XXXX ), XXXX XXXX XXXX XXXX, for the same amount {$310.00} or full payment of {$190.00}. Then Credence Excellence beyond belief, with the suggestion of settling the debt for {$150.00}. The problem is their bill came in 2 years ago, now the new bill has a XXXX account on it, and its showing on the credit report as a new debt. I did contact them to give me an explanation as to the date change, but they insist it's a new bill. Asked to speak to a Supervisor or a manager, each time with the same answer, I will be receiving a call, but never did. As you will see in the attached documents, XXXX had two different accounts # from the XXXX. One was paid the other one wasn't because of the double billing.
01/22/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	ID 83835	Web
XX/XX/2021 at XXXX XXXX PST XXXX Credence Resource Management in regards to debt from XXXX XXXX XXXX. I contacted this company to discuss the validity of the debt and my options to clear it up. I spoke with a Supervisor named XXXX XXXX. We discussed options of repayment. I have lost my job due to COVID and that is why this is in collections. I asked for a XXXX dollar monthly payment arrangement. XXXX XXXX stated, there was a timeframe to clear this account up and that he would only be able to accept an arrangement of four installments of XXXX within the timeframe I had left. When I inquired on that timeframe he could not provide a dare and stated I needed to pay it as soon as possible to avoid the account from being " taken back. '' Furthermore, that the reason it was so urgent was that any money I put towards the account could be forfeit should it get taken back, and I would owe more money. I had to end the conversation as I didn't have the funds to make a XXXX payment. I did some research and found that the empty threats he was making were illegal. I contact the agency back on XX/XX/2021 at XXXX XXXX. I spoke with XXXX XXXX who put me through to his Supervisor XXXX XXXX. I explained what happened and the illegal tactics used. XXXX, acknowledge the illegal tactics and stated the XXXX XXXX was just trying to settle the account soon. He also explained that they have 180 days to settle it before XXXX XXXX XXXX can reclaim the debt. I requested a validity letter to be sent out and that I wanted the call pulled from XX/XX/2021 and that I will be reporting their company to the FTC.
09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 381XX	Web
I signed up for XXXX XXXX XXXX home security when I upgraded my phone. The XXXX representatives said the system would no more intrusive than my current home security system. However, it was. The installation technician wanted to mount a shoe-box-size box on my living room wall. I told him that was unacceptable and did not want the service. The XXXX tech would not take the equipment back with him, saying I was required to mail the equipment back in the provided box. I told him I was not comfortable with that but he refused to take the equipment. He called his supervisor who told me all I had to do was return the package to the United States Post Office. So I did that. I took the box with the equipment re-packed to a United States Post Office. They accepted the pre-paid package, printed a receipt for me and I thought that was it. Instead, I received a bill for more than {$1700.00} from XXXX a month later. They claim they did not receive the equipment. I told them I had the receipt, including the tracking number. They looked it up and noted that the USPS did indeed receive the package and returned it. However, they could n't find it in their system. So they kept sending me a bill. I kept calling back and explaining the situation to a different representative every time. Every time, they found the tracking number and saw that the USPS has delivered it. They said they would make a note on my account. A month later, I would get another bill. Two days ago they turned it over to a collection agency. Now I am trying to resolve this with the collection agency. There 's no end in sight.
03/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91737	Web
XXXX XXXX Credence : XXXX XXXX : XXXX XXXX in XXXX XXXX, CA provided me an ambulatory ride on XX/XX/XXXX to the emergency room. During that ride, ambulance staff did not request any form of identification or insurance. In hospital care, I provided my insurance information, which included full coverage of medical transportation. XXXX did not contact me during anytime between XX/XX/XXXX - present about the charge before submitting the bill to debt collections. On XX/XX/XXXX, I received a phone call from XXXX about a bill in debt collections for {$3500.00}. On the same day, I called XXXX about the charge and they told me that they sent me a bill to the location they picked me up, which was a student address. I was no longer living at the address at that time. After that call, I called my insurance and they reported that they never received a bill or claim for an ambulance ride either. At no point did XXXX attempt to contact the hospital or me to get this information. On XX/XX/XXXX, I called XXXX with my insurance regarding the bill and inquired if they can submit a claim to the insurance. They said that they can not submit the bill due to " timely filing '', and they will need my insurance to send a " timely filing waiver form '' and can not guarantee that they will bill my insurance. They also told me that this request will also take XXXX days to process with no guaranteed outcomes. To this date, I have not received a single document about any charge. I have requested XXXX and XXXX to send information to my home address on XX/XX/XXXX and XX/XX/XXXX, respectively.
01/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33065	Web
I received an alert from XXXX XXXX XXXX XXXX XXXX that there was a collection debt on my XXXX account {$680.00} on XX/XX/2022. I immediately disputed it with the credit Bureau XXXX on this same date. I also wrote and sent a certified dispute letter to the collection agency where the dispute came from on XX/XX/2022 asking for an accurate validation of the debt this agency stated I owe and their right to collect this debt from me. I received a bill from identifying my name and that this agency states that they are in receipt of verifying the referenced account I inquired about. The account was not verified correctly as requested. Credence Resource Management has enclosed to me a XXXX XXXX dated in for a bill period of XXXX XXXX- XXXX XXXX with an account number and amount of the bill in question with and address that I never has lived at. I currently have an account with XXXX so my personal information must have been used to obtain an account in my name. Credence took advantage of this matter and is now trying to collect this amount from me without a proper validation. I believe I have been a victim of identity theft for a charge I did not authorized in my name and the address on the XXXX XXXX is not on my XXXX credit file. There are no signatures stating I made this account valid for collections with this agency. This request is being made in pursuant to the Fair Credit Billing Act Amendments to the Truth in Lending Act. 15 U. S C 1666-1666b, 12 C.F.R, 226.13. I'm requesting for this to be made fair and remove from my credit report because it is damaging to my credit.
07/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 79907	Web
I received a notification on my XX/XX/XXXX about my credit score, that it had dropped down. I checked my score and credit and it said I was placed on collection from a tax collector company named Credence Resource Management LLC. I spoke to them and they said I had a balance due of {$1600.00}. They told me it was from XXXX XXXX XXXX XXXX XXXX. I told them I have never had XXXX XXXX XXXX XXXX XXXX Ive been with XXXX for many years now. I contacted XXXX XXXX XXXX XXXX XXXX and they indicated I had never had an account with them and they had not sent any bills to a collectors agency. I spoke to XXXX XXXX XXXX about I having XXXX XXXX many years ago but the account was closed and I owed XXXX balance. They checked the account and I Don't owe them anything. Ive alerted XXXX XXXX XXXX XXXX about the possible fraud and they placed my account under possible fraud case. Im waiting on them to reply in a few days with whats the next step. Credence Resource Management said I had to filled out a fraud package with them and sent it to XXXX XXXX XXXX. With the address provided from them on the packet, I saw there is no XXXX XXXX XXXX fraud agency in the area. I blocked them on my email and flagged the email so i have it as evidence. As well I have never received any calls or emails from XXXX XXXX XXXX or XXXX on any bills I owed. Im very responsible with paying my bills on time. I was working hard on keeping my credit score high and now im a victim and lost many points on my credit score. I already froze my credit with all three credit accounts. im so upset about this please help!
02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98034	Web
Back in XXXX, I was down of luck guy in my early XXXX. while I was XXXX XXXX in the XXXX where I came across a business who does spiritual life counselling. Now me being nave guy back then, I was like 'Hmmm this sounds cool maybe ill get this a shot. '' So I called the number on the door and few minutes later a short lady named " XXXX '' came behind the parking lot. " XXXX '' was being too friendly than usual and referring to me as " son. '' I went to her sessions after work and talked about my life thinking she's legit while shelling hundreds and hundreds of dollars for her services thinking I have nothing but the benefit of the doubt with " XXXX ''. Things started getting suspicious slowly but surely. She was relocating from her XXXX office to XXXX and frequently disappearing from XXXX to XXXX XXXX where she has close family very often. In XX/XX/, I've reunited with her where she was pulling that act that she's my mom. I went along with it but things went south fast. She put XXXX XXXX XXXX account under my name thinking she's got the funds to paid for it and it'll help boost my credit score. During XXXX wasn't good year for me. " XXXX '' kept gaslighting and swindling more money for her services during that time thinking my life will improve. I've became increasingly irritated and realizing this isn't adding up. So around XXXX of XXXX, I started to get collection notices for XXXX XXXX XXXX bill, utility bill, etc. which she didn't pay a dime over. Also " XXXX '' got arrested in XXXX, Wa over another identity crime and haven't heard or seen her since XX/XX/2018.
10/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33441	Web
CREDENCE RESOURCE MANAGE This company was added as the debt collector after XXXX XXXX XXXX never made reasonable attempts to notify me of the pending debt. XXXX XXXX XXXX not only allowed the federal government to illegally wiretap me when they had no reason to believe I had ever committed a crime, they allowed them to live listen to my calls, monitor XXXX XXXX activity and allow third party - non-U.S. government contractors with ties to foreign governments- to do the same with impunity. XXXX XXXX XXXX The only entities that benefited from my relationship with them was XXXX XXXX XXXX and the federal government. I was never given the opportunity to settle or ask XXXX XXXX XXXX to investigate these substantiated claims that even XXXX XXXX acknowledged the federal government broke their own policies to illegally view my bank account activity without a warrant or reason to believe a crime was being committed. XXXX XXXX XXXX is allowing the government to use them and their creditor as a weapon and intimidation tactic to dissuade people who dont fit a certain background / race to work for the federal government. This debt was recently added on XX/XX/XXXX - just days after I applied for jobs with the federal government and it is calculated ( provable ) attempt to deter me from pursuit of jobs within the government because of my own political beliefs and XXXX of my skin. They have gone after companies I work for recently as well as associates and should be investigated in the same fashion they investigated me and treated me like a criminal with no probable cause.
03/29/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91754	Web
I received numerous robocalls and telephone calls on my cell phone from XXXX XXXX XXXX and its collection agency Credence Resource Management LLC for {$78.00}. I had switched internet service to XXXX and terminated this account as of XX/XX/XXXX, but they still demanded payment for XXXX service for two cycles from XX/XX/XXXX through XX/XX/XXXX, after their service had been terminated. XXXX XXXX XXXX has an answering service which will not respond with a live operator unless the amount is paid. I refused to pay the amount and XXXX XXXX XXXX made a number of robo-calls on a daily basis during work hours. XXXX XXXX XXXX eventually called through a live operator, and I told him that the amount is disputed ( despite the fact that they had already received their leased equipment back ). They next submitted their claim to Credence Resource Management LLC whose employee called me on my cell phone during work hours, threatening to sue and blackball my credit unless it is paid. Again, I told this person also that this amount is in dispute. Notwithstanding, Credence sent me a letter of collections demanding payment. This is a small amount and it is much easier for me to just pay it. But I am so incensed by XXXX XXXX XXXX and the threatening tone of Credence that I felt it was necessary to point this out to CFPB and to the public. When I went to the XXXX XXXX to send back the leased equipment to XXXX XXXX XXXX, there was a line of people all waiting to do the same, and they had gone through similar experience of XXXX XXXX XXXX 's wilful disregard for consumer rights.
12/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80127	Web
I attempted to close a XXXX account in mid XXXX XXXX. XXXX claims that I should pay an early cancellation penalty because, they say, I signed a 2 year contract that had not expired. On multiple occasions, I have asked them to produce a copy of this signed contract and they, to date, XXXX months later, have been unable to provide me with any proof. They do say, however, that I should trust them and that there is in fact a contract. They also claim that they have sent letters and/or emails offering proof of the validity of the debt ( I assume a signed contract, but they have been unable to tell me what is in the letter ), but I have received nothing from them. On XXXX XXXX, XXXX, I received a collection letter from XXXX, a collection agency acting on behalf of XXXX, requesting payment. I informed them that the debt was disputed and, in compliance with the XXXX XXXX, they sent a letter acknowledging the dispute and have ceased collection activities. I spoke with XXXX again today trying to obtain proof of the validity of the debt and they told me that there was no one to talk to about this and just wait for some letter to show up that will offer some undefined form of proof. This is consuming my time trying to deal with this and causing me some distress. It seems like if a company says that I owe them money, they should be able to provide some proof of that, but, when it comes to XXXX, that apparently is not the case. In the mean time, they are negatively impacting my credit. I would appreciate your assistance in resolving this issue quickly.
01/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90017	Web
No record of debt paid from previous agency. Lied, told me contacting the business directly to pay would lead me straight back to them. I called to get to the bottom of why a debt I paid a previous collection agency wasn't reported. Because of the age of the debt and a relocation, I don't have much to work with in terms of receipts/validation. I was told I was on a recorded line, I informed them I was also recording the line with my attorney and got transferred to a supervisor. After discussing options, the man I spoke with told me that if I contacted XXXX customer service to address the payment directly that my account was no longer handled by them and that XXXX would lead me back to Credence for payment. I see in their replies they review calls and provide their own account of what happened, but since I have my own recording of the call I'm happy to provide a direct and complete transcript ( with audio ) if need be. Prior to calling Credence today, I called XXXX and they offered to take my payment. On the same call with Credence, he pulled up my XXXX call log. I asked if he could see the notes and see where XXXX offered to take my payment directly, he said yes. I then told him that his indication that XXXX would direct me back to Credence to pay the debt was misleading and a lie. He tried to lie to me about XXXX being able to receive payment to coerce me into paying Credence. As a creditor, using misleading tactics is a complete violation. Combine that with the fact that they're trying to collect a debt I already paid once. This occurred on XX/XX/2020.
01/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 22193	Web
XX/XX/2015-Checked in one of XXXX hospital 's XXXX XXXX XXXX for XXXX. Was there for about 45 minutes before release. My XXXX was taken three times, XXXX XXXX and XXXX was done, they tried getting me to do an XXXX but I refused. Upon leaving I asked for my bill, they insisted on sending it to my house. I begged the receptionist to at least collect my XXXX % and she did collect {$49.00}. During the course of the next two weeks I received several bills from XXXX hospital, XXXX XXXX Hospital and XXXX XXXX Care all the bills were for the same amount {$1.00}, XXXX. I call the number on the bills and they all led me to XXXX hospital. I provided them with my Insurance Information, XXXX paid them a portion and I paid my remaining portion and it was over with. Exactly 1 year later now, I received this notice from a collection agency, it appears that someone got a Judgment against me for the said amount and sold my information to this collection agency without my being aware of any of this. According to the collection agency this information is already on my credit report. Please help me. My Information was sold to XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and the one who is now harassing me - Credence Resource Management LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone : XXXX. They also have a XXXX XXXX. address : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX. I do not know any of these people and have never done any business with them. If this his is how XXXX Hospital handles patients private and confidential information it really is a disgrace.
06/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22901	Web
I had service once before with XXXX XXXX and the home i had moved to they was unable to connect my service. so i suspended my service all together. I then noticed months later that they were still taking the money off of my credit card. When i called them back in XXXX or early XXXX to resolve the issue and have them put the money back on my credit card. They refused to do so and still wanted to take money off of my credit card. so i then had to get my bank involved to get my money back from this company. So then they falsely put me in collection and when i filled and complaint against XXXX XXXX with XXXX they stated that XXXX XXXX was correct but put a statement on my credit. I have documents from XXXX XXXX as well as proof that this account was removed from my credit report in XXXX with the XXXX XXXX XXXX XXXX on XXXX XXXX. Then i have noticed on my credit report Credence Resource Manage, Credence Resource Manage XXXX, MI XXXX. File # XXXX was put back on my credit report. They are trying to charge me for the same account that was removed off my credit report. This is not my bill I have not received any type of documentation stating this was my bill and going on my credit report. When i did have my money pulled back from my bank they sent me a bill for {$210.00} that i did not owe them. But then they put {$350.00} on my credit report that was removed in XXXX. My bank also canceled my credit card i had on file with them because they was taking my money illegally. Also when i contacted you about XXXX if you look on my credit report it was remove twice.
07/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33707	Web
This relates to complaint XXXX for CRM creditors attempting to collect a debt on behalf of XXXX XXXX starting their collection on XX/XX/2022 taking 59 days to respond only to defer me to XXXX XXXX who never contacted me nor had anything to do with me until today XX/XX/2022. The first complaint is that their verification letter cites a XXXX XXXX who never saw me nor was I admitted under or discharged by anyone. The nurses kicked me out as I had to protest against their attempt to Baker Act me despite being cleared earlier by a psychologist still having an hour long video including the police response to catching them lying about me seeing the psychologist. They never properly discharged me or notified me of any debt until months after when CRM sent a final notice as their only notice to me. I then went to verify this as it was perposterous I was always sent a letter from XXXX XXXX XXXXXXXX. After 59 days I was told to send my insurance to XXXX XXXX who I do not know and have no information about. I require everything in writting as I do not do well on the phone and XXXX XXXX appears to have no company information online outside of their multiple addresses. The verification letter claims they operate out of XXXX but according to all online sources I've seen that is not true as they only operate out of " XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX that has only one practice medical office located in XXXX XXXX FL '' I do not know how they managed to get any and all of this information without it being illegally traded as I was never properly discharged.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
On XX/XX/2022 I submitted complaint # XXXX. The intention is not to submit a duplicate complaint for the same issue but to highlight the fraudulent and deceptive business practices as I stated in my initial complaint against XXXX XXXX XXXX. In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that is not mine. I explained to XXXX over many calls that my mobile service for the last 6 years has been through XXXX and with XXXXXXXX XXXX prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that with XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the product or billing info of the XXXX & XXXX account. But XXXX XXXX XXXX sent the account to collections anyway with Credence Resource Management LLC. XXXX XXXX XXXX response after I complained to the CFPB, was to send me the attached form within to be completed online so they can investigate my complaint. The problem is that the web address for the complaint they reference in the letter does not exist at XXXX I have attached the letter and the XXXX search that shows no world wide web site listing for the web address noted. I am tired of the games these companies are able to play while corrupting my on time payment history with an account that does not belong to me. I want the account deleted immediately. It is a fraudulent billing, they have given a fraudulent web address to respond too, because they practice fraudulent procedures. I want this account deleted immediately!
03/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15701	Web
I had XXXX XXXX installed at my house. The tech that came to install said I would not have a problem even with the trees that were in my front yard. He installed the satellite on my front porch roof right where the tree is. He ran the box in my living room and didnt have enough wire to run it to my TV and just left it hooked up in the middle of my living room floor. From the time it was installed, it kept saying requiring satellite signal please wait a moment. I set up about 5 or 6 tech appointments to get it fixed ( which out of 2 appointments they never showed up and I missed work ) but it still never worked. All this time, I was paying the monthly charge. At this point, I was so frustrated, I told them that I was done missing work for them to come out and do nothing getting it to work right and I told them to come and pick up their equipment. I set up an appointment and they came and picked it up. Now they are trying to get me to pay a {$530.00} early termination fee. I called multiple times to XXXX XXXX and finally someone in billing said it was taken off my account. Then I see on my credit report that Credence Resource Management was sending me a bill for that amount and called them. I explained to them the issues I had with XXXX XXXX and they said that I still owed the money. At this point I was fed up. I called XXXX XXXX multiple times again and they notated my account each time I called and so did Credence Resource Managment. Neither one of those companies will see a dime from me. I paid for service for 4-5 months with no service.
06/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	WA 983XX	Web
I 'm not sure what the call was regarding. I received a call from Credence Resource Management this morning. The caller did n't identify the company she was calling from and when she began to ask identifying information ( asking me to confirm my address ) I asked what company she was calling from. She then identified the company. She said they have an account in my name and that she was calling to give me that information. I told her I 'd never heard of Credence Resource Management. She repeated I have an account with them and that she was calling to give me that information. I asked how I could have an account with a company I 've never heard of. There was a pause and then, sounding exasperated, she said goodbye and hung up. It was only when I did a XXXX search I 've discovered it is, apparently, a collection agency. I have no idea what they could be trying to collect on, I filed bankruptcy last year and it was discharged in XXXX. The caller was not being clear at all about the purpose of the call so it sounded like a scam. I 've selected the " Debt was discharged in bankruptcy '' option since I have a discharged bankruptcy, but I moved just over two months ago and while packing my desk stumbled across a small medical bill that had fallen behind a drawer. It was over a year old and was n't included in my bankruptcy since I had no idea it was still pending so I immediately paid it. So it could be that the issue is " Debt was paid ''. But those are the only options. I do n't have any debt now, and I 'm doing my best to keep it that way.
03/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91355	Web
I found a collection on my credit reports from this company for a cell phone bill. I knew nothing about it before. Since it was identity theft ( I not only filed a police report, I found the person responsible and gave her name to the Sheriff 's Department - with pictures and proof ), I contacted the credit reporting agencies to inform them. Per the law, they are required to contact me before placing anything negative on my credit. They did not do so. They put negative information on my credit reports, causing my score to go down. When I contacted them, I was told that they used the information given to them by XXXX, which was incorrect and did not pursue anything further on their own. They are also required by law to report only true information. Since they used an incorrect address ( it was an intersection ) I never received notice that there was a collection. This went on even after they received the letter they claim they sent back since it was not a deliverable address, so they reported information they knew not to be true. I have lived at the same address for 7 years and had they looked for my proper information after receiving the mail back, I could have informed them of the identity theft. They have violated numerous laws and refuse to take responsibility for it. I filed a small claims case and their attorney all but ignored me, only to bump it up to District court. He also did not fulfill the mandated meet and confer requirements before filing a motion, but I will report that to the California bar and the presiding judge.
05/21/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60175	Web	Older American
I have received numerous calls from Credence Resource Management in their attempt to locate someone other than myself and an individual/ individuals that I have no knowledge of. This caller does not leave a message when i monitor my calls. When I do answer and ask who is calling they hang up or speak unclearly .When I ask them to repeat who they wish to speak to they hang up. These calls are repeated multiple times a day. The calls number between 4 and 5 times per day. I researched the company by using the phone number they called me from and that is how I found out the name of the company. At no time did any individual from this company identify themselves, the company name or the nature of the call. This is harassment. I owe no one any money. I pay my bills on time. I contacted the company on XX/XX/2022 and spoke to XXXX XXXX and she was very slow to connect me with a supervisor. While on the line she took note of my phone number. I was connected with a supervisor named XXXX XXXX who said he would remove my phone number from the list. I informed him I have had use of my phone number for 25 years and whom ever they are looking for I have no knowledge of. As of today. XX/XX/XXXX I have not received another phone call. This company never identified themselves in all the phone calls they made to my phone number. I had to do research to find out who all the multitude of phone numbers belong to. I never want to be called repeatedly, hung up on and have a caller never once identify themselves, the company or the nature of the call.
04/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80023	Web
We did a pay to delete to a collections company ( Credence Resource Management ) in regards to our XXXX account. We made sure to make the agreement as we were paying the bill in full ( {$360.00} ) on XX/XX/2020. We were told we would receive a deletion letter for our mortgage lender as soon as we made the payment. It is now XX/XX/2020 and we have NOT received the deletion letter and the account has NOT been deleted from the credit report. It shows paid in full, but HASNT been deleted, as promised. We were told that it would be electronically deleted as soon as the debt was paid. We have made repeated phone calls ( at least 3 calls, every single day ) and spent hours on the phone with both XXXX and Credence Resource management and have been told every time that we would receive the deletion email within an hour or this afternoon or by the end of the day. At that point we ask to speak to a supervisor or manager to expedite the process and each time weve been hung up on. This has happened several dozen times. Credence Resource Management has had the most disrespectful representatives and theyve been nothing but extremely rude and unhelpful. Ive been cut off each time Ive tried to explain our situation. The XXXX representatives have promised to help, transferred us back and forth, put us on hold for hours at a time, and ultimately resolved nothing. By making the payment and the agreement being a pay to delete we assumed they would be immediately deleting the account from the credit report, which we were told they would do.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11787	Web
In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. Account : XXXX XXXX # XXXX, Account : credence resource mana # XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX
10/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I checked my XXXX credit report and i see that the company CREDENCE RESOURCE MANA, is reporting a debt collection for the amount of {$2000.00}, however I dont remember having entered any type of contract with CREDENCE RESOURCE MANA or any agent thereof. With that i am requesting, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you and any and all documentary evidence pursuant to 15 USC 44, that includes all documents, papers, correspondence, books of account, and financial and corporate records. Pending the outcome of my investigation of any evidence that you submit, you are instructed to cease and desist any and every further action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company via my local venue and you would have to travel and defend yourself. I would be seeking actual damages or minimum {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the FDCPA including but not at all limited to section 807-8 and each violation of the FCRA including but not limiting section 623-b, whichever is greater.
05/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30152	Web
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Email Not Available ( mailed to address ) Credence XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Sent Via Email ( XXXX, XXXX, XXXX ) To whom it may concern : Credence first attempted to collect this paid debt by letter dated XX/XX/XXXX. On XX/XX/XXXX, I responded to their collection notice by sharing a summary of the situation, sharing copies of relevant documents -- bills submitted by XXXX XXXX XXXX XXXX ( XXXX ) and copies of the checks cashed by XXXX -- for the amount they sought to collect. Credence acknowledged receipt of this information and I never heard back from Credence and considered the matter closed. On XX/XX/XXXX, XXXX attempted to collect the paid debt again. I attached all information to support everything represented in my complaint. I am asking the CFPB to investigate this matter and obtain answers from Credence and XXXX to the following questions : What did Credence do with the information I provided them via my XX/XX/XXXX email that was acknowledged by Credence on XX/XX/XXXX? How did XXXX receive my personal medical and financial information and conclude that it had a right to collect a previously paid debt? What is Credence and XXXX going to do to prevent future attempts to collect my paid debt? I am also asking the CFPB to explain my rights given the harm they have caused me as a result of their abusive consumer collection practices, especially XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
09/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78154	Web	Older American, Servicemember
I had been a XXXX XXXX customer for over 10 years with a scheduled automatic payment plan set. Therefore never missing a payment. Once XXXX XXXX XXXX purchased XXXX XXXX they begin taking the automatic payments and applying it all to their account. I will upload the log that shows I tried numerous times to resolve the issue with both XXXX XXXX XXXX and XXXX XXXX. Both acknowledged that I was correct but stated it was the others company responsibility to take corrective action. After going back and forth with them I decided to close the account. I do not owe this amount. My Internet service was only {$39.00} a month. Besides it is impossible for that bill to be {$670.00} when that portion was only {$39.00} monthly. And the bill was current when I closed the account. I am caught in the middle of two giants. Both sides kept stating that they will look into this matter and concluding that I was right yet it always resulted back to them pointing the finger at the other for having the responsibility to correct how the funds were allocated. And each month I was flagged as being past due. I tried to get this removed from my credit report but was unsuccessful. Credence Resource Manage refuses to delete it. I am contacting CFPB for help to get this removed from my credit report. I am a responsible Veteran who is also a responsible consumer. I upload sheets of paper that I maintained customer service reps names, dates, and outcomes. It shows how I was repeatedly hang up on and lied to saying they will fix it but never did.
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21206	Web
Dear XXXX I am writing to dispute the following information that appears on my XXXX consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to Credence Resource Management, was added to my XXXX credit report. On XX/XX/XXXX I requested varification, from Credence Resource Management , LLC, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Credence Resource Management on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from Credence Resource Management dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by XXXX and requested the method of account verification. On XX/XX/XXXX I received a letter from XXXX which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. Credence Resource Management has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and Credence Resource Management LLC, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report immediately.
05/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	ID 83646	Web
XXXX has sold a debt collection account for an alleged {$120.00} outstanding balance owing from a XX/XX/XXXX cancellation of a XXXX account for my son, but for whom I was the accountholder of record. XXXX, their successors and assigns, absolutely refuse to verify that this is a legitimate debt. XXXX refused to talk to me when I inquired about the debt, since it had been sold to XXXX XXXX XXXX of XXXX, AL. XXXX reported this alleged outstanding debt to the 3 credit reporting agencies, significantly damaging my credit score. I attempted to contact XXXX regarding this debt, they also refused to discuss it, since they had re-sold it to the XXXX XXXX XXXX XXXX XXXX XXXX, also of XXXX, AL. I advised them that I wanted confirmation of the debt from XXXX, which they failed to provide before reselling this alleged debt yet again to Credence Resource Management of XXXX, TX, who also reported it a 2nd time to the 3 credit reporting agencies in XX/XX/XXXX, dropping my credit score yet again. I notified Credence that I was challenging the debt, and provided credit card statements showing payments to XXXX in XX/XX/XXXX and XX/XX/XXXX that should have cleared the outstanding balance. They advised they would contact XXXX for verification of the debt, which to date has not been received. In my opinion, XXXX is in wilful violation of the Fair Debt Collection Practices Act. They are engaged in disreputable credit collection practices in violation of the Act and willfully refuse to provide confirmation of the debt or address it.
02/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60409	Web
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with CREDENCE RESOURCE MANAGEMENT. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CREDENCE RESOURCE MANAGEMENT can not and will not ever produce a contract between me XXXX XXXX and CREDENCE RESOURCE MANAGEMENT because that contract does not exist. As a private consumer and natural flesh and blood woman I have been violated by this organization.
01/13/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95670	Web
XXXX XXXX Opened an XXXX XX/XX/XXXX XXXX cell phone acct to add to my internet service with XXXX XXXX The promotion offered was 3 free phones, 4th a promotional price of {$700.00} and 5th in exchange for my Iphone ( from previous service provider ) and rewards card in the amount of {$600.00} to go towards the {$700.00} promotional cell. My monthly cell phone service fee was to be {$120.00} a month for all cell service. From XXXX to XX/XX/2021 ( when i closed acct due to no correction of acct ), I continuously called about a bill i had received every month to pay {$500.00}. For 8 months i had received a bill for {$500.00} in which no one could help fix the error. I called the XXXX Sales Consultant that opened my acct, XXXX XXXX, and he said he would fix it. I never got the acct corrected after paying $ XXXX every month ( i was told they would disconnect my service if i didn't pay it ). I closed the acct and then i received a bill for {$3200.00}. This quickly went into collection ruining my good credit. I spoke to credit co and disputed this. XXXX never responded and i advised the credit co XXXX was in violation of the collection practices act and it was well over the 30 days and was in fact more than 90 days. The credit Co then responded by saying they would be ceasing all communication and i would need to contact XXXX directly. I would like this resolved and taken off my credit report. I have all receipts, names and invoices i submitted in the dispute. Please help as this has affected my perfect credit.
09/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33426	Web
Dear Sir /Madam Re falsification of Information by XXXX XXXX XXXX and transfer of The Said False Information To debt collection company Credence Resource management base at XXXX XXXX XXXX XXXX XXXX Texas Zip code XXXX who had call me From a XXXX to my Telephone Line XXXX repeatedly asking several interrogating questions without giving me reasonable time to address their false claim and statement repeated and uttered over eight times supervisor for the company was over aggressive even when i told him i have not received any services from XXXX XXXX XXXX from XX/XX/2021 when I engaged the company with an intent to contract them as service provider after they collected payment of XXXX XXXX & XXXX XXXX Dollars and XXXX cents { XXXX } XX/XX/2021 for gadgets and service that they said they would provided and did not deliver on the date and time agreed upon i call several time there customer service department to have the service cancelled which they told me they did. the confirmation number i cant provided the immediately but there records that must save for seven years should be available for reference. these calls were made between XX/XX/XXXX and XXXX when I have to call my bank to dispute the initial charge which was paid back on XXXXAs a result of this false claim i am respectfully asking for an investigation for this false claim of payment of XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents which i am not owing and was never gotten any service to this address .Submitted for your immediate attention.
05/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Two weeks ago, family members began telling me that they were receiving odd messages on their home answering machines concerning me. Some of them were threatening legal action and demanding a return call and many answered calls continued even though this company was told that I could not be reached at their numbers. These are the first of many collection violations under the FDCPA, FCRA, and Texas Finance Code. There are even FTC violations occurring as well. My family members have saved and given me every single voicemail that was left by this agency and one particularly resourceful person was able to record a threatening telephone conversation between themselves and an agent of this company. This company made claims of a civil case being processed against me, however, a good friend works in the city office and assured me this is not the case. This is a common harassment technique used by unethical debt collectors. Yet again, another violation of numerous debt collection governing agency laws. I looked up the contact information for this company and sent them a cease and desist notice and a debt validation request, as I was unaware of what this company wanted me with. These letters were sent by certified mail and delivered on XX/XX/2018. This company has persisted with collections and has now even reported to XXXX and XXXX credit bureaus without validating the debt, which is now yet another violation to add to a long list of actions that are for liable for damages under numerous governing agencies.
12/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60089	Web
XX/XX/2022 I ordered XXXX XXXX XXXX internet installation service at my service address. XX/XX/202XXXX XXXX XXXX XXXX promised installation but their installation crew never showed up XX/XX/20XXXX XXXX XXXX XXXX customer service informed their crew will be available XX/XX/2022. I immediately canceled service - service cancellation confirmation number XXXX was generated by XXXX XXXX XXXX for an account that gets activated XXXX XXXX. They added notes to this confirmation number since the account was being cancelled without getting activated ( please note : XX/XX/XXXX to XX/XX/XXXX the account was not active ) Account cancellation related survey requested by XXXX XXXX XXXX on XX/XX/2022. Equipment was returned unused. Since no crew showed up to install the service, the service never started. XXXX XXXX XXXX has since XXXX the online account and their customer service never gets any answers regarding this matter. In XX/XX/2022, I started getting incessant calls from a number in XXXX, eventually when I picked up it was Credence Resource Management calling to collect an XXXX XXXX XXXX XXXX claim for debt for services ( *that never got installed and never used ). This was promptly disputed over email. I am getting contacted regularly by credence over email and phone that I still owe them the money for services that I never received and I need to again dispute the claim. How do I stop XXXX XXXX XXXX XXXX Credence from XXXX XXXX into paying the money for the services that were never started?
08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78251	Web
To Whom It May Concern, I mailed a certified letter to Credence Resource Management on XX/XX/2020 disputing the collection account for a XXXX XXXX account in the amount of {$320.00}. By the way, I do not ever recall having a XXXX XXXX account. I received a response letter from Credence Resource Management dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. This account was then bought by XXXX XXXX XXXX agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to XXXX XXXXXXXX on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by XXXX XXXX Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from XXXX XXXX they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim. This complaint is in regards to XXXX XXXX XXXX as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS XXXX XXXX XXXX ABLE TO VALIDATE THE DEBT?
03/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 735XX	Web	Servicemember
XXXX XXXX sold an alleged debt not owed by person shown 'responsible for debt ' of {$440.00} generated in XX/XX/XXXX to a company called XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. The alleged debt was posted to the account with a falsified date of XX/XX/XXXX. The debt was disputed and shown to be in error and reported to the FTC. XXXX and XXXX were contacted with cease and desist letters notifying them of Fair Credit Reporting Act, 15 U.S. Code 1681c, and the Oklahoma statute of limitations for debt collection which has shown the alleged owed debt is time barred ( 1295 ( 1 ), and can not legally be posted to the referenced credit report. The falsified debt was removed from account, and XXXX and XXXX stopped contacting for payment. XXXX and XXXX then sold the false debt to another company, Credence Resource Manage, XXXX XXXX XXXX, XXXX, MI XXXX, which posted a false date of XX/XX/XXXX of account debt opened. They have attempted collection of a debt which is over 8 years and three months old, and posted an incorrect and falsified date to a credit report, which is a direct violation of federal and state laws. This is the second time dealing with this issue, and it continues to be a problem with multiple companies selling off a debt not owed and ruining my credit history, showing me to have bad credit for a debt which isn't owed and doesn't even fall within the legal timeframe for debt collection Since this is the second complaint against XXXX for the same alleged debt, I'm considering suing.
01/23/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 288XX	Web
I started receiving calls from XXXX on XX/XX/20. The CID states simply that it is a toll free call. They never leave a message. I do not answer unknown calls but I do screen so I can answer if it's something or someone who needs my attention. After several calls I blocked this number. They continue to call but at least my phone doesn't ring and I ignore them. An online search of several web sites revealed this to be a call from Credence Resources Management in XXXX, TX. Some people have described them as rude and aggressive and demanding personal information such as addresses, birth dates and credit card numbers. One person said they were told they could pay with a XXXX XXXX gift card. If that's true, then it's definitely a scam. I have had other calls I'm sure were spoofed numbers, although I can't prove it because I didn't answer, but they occurred with the same pattern of calling. One was from a wireless caller in XXXX XXXX, TX ( XXXX ) occurring at the same time as previous calls. No message left. This morning they tried a new tactic. At XXXX XXXX the phone rang. The screen simply said " unavailable ''. I screened the call and at the end of the voicemail greeting a robotic female voice said " good-bye '' before the recording started. The screen then alerted me that I had 1 missed call. To erase that notification I pressed the CID button on my phone and this 866 number was revealed. This means this was a robocall. I have never even heard of this company much less done business with them.
10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48603	Web
My XXXX fell behind in XXXX and the service was suspended. They called me telling me that they would cancel all my remaining back charges if I paid a portion of my bill. I specifically said I do not want the TV reinstated, I just wanted to settle the debt. I paid it and they canceled the balance and reinstated the TV service. So I called again and they told me they had no record of the agreement we had and I would have to cancel again and pay for the month. Extremely irritated with the lying, and wanting to be done with this company I just paid my balance to XXXX and told them to send me a box to ship the equipment back to them. In XXXX I had not received the box yet so I called them to see why it had not come, the following week I received a new bill for {$52.00}. I contacted them to see what the charges were and they had no answer. There is no description on the bill. My account has been closed so I can no longer see my older bills. I have called multiple times and spent many hours on hold waiting to have them send me my bills or give me a detailed explanation of what the charges are for. They have said they would send the old bills twice now and have not. They have sent the charges to collections and will not provide the reasoning for the charges. I have no choice but to assume they are fraudulent as they will not provide an explanation and I have a documented XXXX balance. I do not want to just pay it as they have now lied 3 times about charges and this shows no sign of stopping.
01/06/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	GA 30058	Web	Servicemember
The company is CREDENCE, the letter head address is bogus. It is a company in Texas, but difficult to understand foreign speakers. I have tried to send notification in writing and received a return to sender. However, since XX/XX/XXXX I have made payments to this same address and the payments are accepted. The above number is a fax number. They charge late fees and the balance grows.Current balance is XXXX with XXXX in interest for a total {$1000.00}. i pay them XXXX mo It is a medical bill from an ambulance provider for my child .The balance does not go down but continues to increase. They send correspondance every 60 days or so. I have talked to several represenatives who tell me that the late charges and the calls will continue, if I do n't pay then what they demand. I have several bills from this incidence and I pay them regularly what I can afford, but they want twice the amount. I ca n't afford what they want. I tried to write them to get a payment plan and my letter was returned. Recently I had one of them to tell me to have my daughter fax them a letter stating that they can talk to me about the bill. They demand my daughter 's cell phone number, she is a XXXX and will not be able to pay them. She do not have a job and therefore can not pay them. They call from different numbers, to include XXXX, XXXX,XXXX, XXXX and sometimes local numbers They call three times a day on weekends. promptly at XXXX to XXXX. I have advised them that this is harassment, but the calls continue.
09/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85283	Web
Received a letter from XXXX XXXX XXXX stating that I had debt to them. Investigated the credit reporting agencies and found that there were false phone numbers and a false address in my accounts, and collections reports from Credence Resource Mana ( not XXXX XXXX ). The false address I saw was in my reports was in XXXX XXXX, Texas. XXXX did not show me my phone numbers and only reported three addresses, two were actual former addresses in AZ and the other one my current one. I called XXXX as they are listed as a debt on XXXX, but based upon my social security number, they said that they had closed my account and that I would have to deal with the current owner of the debt. Based on they're knowing my social security number, despite me never being a customer, it is reasonable to conclude that my social security number is compromised. I am on a family plan with XXXX XXXX XXXX, and that account is and has been in good standing with {$0.00} owed. Credit Resource Mana claims that there is a debt to XXXX XXXX XXXX for which they are collecting. Lastly Credit Resource Mana is collecting over {$3000.00} for XXXX XXXX There is another collection from XXXX XXXX XXXX XXXX They are looking for {$270.00} for an apartment called XXXX XXXX XXXX. I looked apartment up and called them, leaving a message to notify them of the likely fraud perpetrated. I will try to file a police report in the city where the apartment is located in Texas as most of the activity seems to have addresses in Texas.
08/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98056	Web	Older American
XXXX sold a phone and service representing it was XXXX two years ago. It was not XXXX. Numerous XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other sources reported on this scam. In fact the XXXX XXXX XXXX XXXX sold me was a XXXX phone that would not work on XXXX networks. I paid a monthly fee to be able to upgrade to new technology with XXXX monthly and was told this would mean I would receive a new phone every year for no additional charges. That also was a lie. This too is well documented on technology sites and magazines. I complained to XXXX. Nothing. I eventually terminated my XXXX service and moved to XXXX that provided XXXX. I purchased another XXXX XXXX XXXX, costing {$1900.00} cash, again. I continued to advise XXXX I disputed their claim for the price of the fraudulent spec phone. They would not accept a return of the phone. I received calls, repeatedly, from Credence Resource Management ( a collection agency ) on behalf of XXXX. I explained the dispute. Eventually, several months ago a supervisor there, XXXX XXXX, asked for a letter explaining my dispute, which I sent him. He then told me the negative report would be removed from my credit report. And it was for several months. Then it appeared again. When I talked to XXXX XXXX he said it was in error and he was looking into the problem. He subsequently said he was consulting with his " back office '' but that they had not responded to him about what to do. This has been going on for a number of weeks.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 389XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : Credence Resource Management , LLC, Account Number : XXXX Credence Reference ID : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also this company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nevada-FID, New Mexico, North Dakota , Oregon , Rhode Island & Wyoming . Which is verified on https : //nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1134094. This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. Remove this account immediately!! Sincerely, XXXX XXXX
08/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19608	Web	Servicemember
The debt collector Credence XXXX head been harassing me since XX/XX/XXXX on a {$20.00} debt that was paid last year. The medical bill was from XXXX of XXXX, Pa. The first service rep I talked to asked to be on a 3 way call to talk to XXXX about the charge. XXXX told both of us that this charge was paid back in XXXX. Service rep apologize to both of us and said he would clear the charge on his end I decided to call back and find out about this charge possibly being on my credit report and if it was to have Credence take it off. This rep said they could not clear this charge unless I called XXXX to have them send paperwork. I told Credence I just cleared this up with another rep there to look at her notes on the account. She refused to go any further unless I called XXXX. I asked to be connected to the rep I talked to and she refused. I remind her that her company is refusing to do the very thing I was asked to do by the service rep of your company and you are asking me to do your job because your company failed to communicate correctly with XXXX. She flat out said I had to call. I said your rep said the 3 way phone call and failed to do his job. I warned her that I do not wish to receive another phone call from Credence. I also told her to clear this account on her end and takes off any and all reported marks on any of my credit reports. She denied service. They have been harassing me over a {$20.00} bill since XX/XX/XXXX with a phone call about every day since.
09/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91304	Web	Servicemember
Ive sent letters to XXXX XXXX XXXX and Credence Resource Management ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at XXXX and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX, XXXX, and XXXX asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.
05/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66762	Web
In early XXXX of XXXX, I canceled my cell service with XXXX after having several problems with their service agents incorrectly charging my account. After several calls, they shut off my service, but failed to close my account, opting to keep my account open, until the first day of the next billing cycle, and then charged me for the entire next billing cycle. ATT had my phone number and email address, but failed to update their records about a change of address in XXXX after several contacts made to update their information. They opened a collection account in XXXX of XXXX, after zero attempts to contact about the alleged debt. The collection agency, Credence Resource Management, also made zero attempts to contact me. After seeing the account on a credit monitoring website in early XXXX, I contacted them and asked them about the account, and to send a verification letter regarding the debt. I then sent a follow up email requesting information about the debt, specifically asking about rights and procedures to challenge the debt, the address of the original creditor, and any and all available statements. I was not provided with any information for several months, and then only partial information was provided, but including my right to dispute. After several attempts to collect this information and an eventual threat to report this information to the proper authorities, Credence contacted me informing me that they would cease all communications with me.
07/18/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AZ 85340	Web
I had a medical bill from XXXX XXXX / XXXX XXXX XXXX for XXXX. Enough I was making monthly payment, XXXX XXXX / XXXX XXXX still sent my account to a collection agency. My account was referred to XXXX. I continued to make monthly payments and paid off the account in XXXX, 2016. All payments were made to XXXX. I actually over paid by {$14.00} at which time I called XXXX regarding my credit on XXXX XXXX, 2016. I was informed by XXXX that I did have a credit and I would receive a refund in the amount of {$14.00}. My refund was processing and I should receive my refund by XXXX XXXX, 2016. I did not received my refund. I called XXXX to inquire about the refund and I was informed that my account was transferred to Credence Resource Management and given the phone number. I could not get an answer from XXXX as to why my account was transferred or on my refund. I called Credence regarding my refund. I was informed that Credence had to research further and to call back. I waited a week to call. When I called back, I was informed that no research was done regarding the refund and more time was needed. Again, I waited about a week. When I called back, I spoke to manager " XXXX '' and although there was credit on my account, Credence needed to research and contact the " customer ''. As of today, still nothing has been done. XXXX and Credence both verified that I am do a refund. I am being refused my money back. XXXX XXXX XXXX / XXXX XXXX ; accnt # XXXX / Credence XXXX
08/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32547	Web	Servicemember
XXXX my cell service provider I have been with since XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX they began asserting that I owed an amount of {$600.00} for services not paid for/not transferred to from different service plans when the 4 phone lines, the equipment and previous amounts owed at that time. I am a XXXX XXXX XXXX XXXX veteran retired military now but was XXXX during when these issues began. For nearly 9 years I have wrestled with XXXX and their revolving debt collectors slandering my credit rating with their erroneous collection information and fraudulent amounts owed and with XXXX to remove the information. After XXXX County Sheriff 's department investigated this matter they found that XXXX nor their debt collector XXXX XXXX could prove or substantiate the charges. XXXX XXXX then removed the information from my credit report. XXXX in unprofessional business practices and outright fraud hired another/sold to another collections agent the account and the process of attempted to clear my credit continues to rotate to another collections company as the current one is investigated and then found at error clears the fraudulent information from my report. I am under contract to purchase a XXXX equipped home for the XXXX I incurred in military war service. The actions done to me by XXXX, XXXX XXXX and currently Credence Resource Management is in the process of causing my home financing to increase drastically in interest rate or fail altogether.
07/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44903	Web
This is an obvious scam, in concert with other scam artists. I submitted a complaint on XX/XX/20 about XXXX XXXX putting a fraudulent collection put on my XXXX credit report for {$1200.00}. Complaint # XXXX. I maintained that XXXX XXXX a false address for me and posted fraudulent collection account after I had informed them via telephone ( them calling me ) that it was not my debt, I did not have an XXXX XXXX XXXX account, and that I was not behind in ANY bill to ANYONE, and to stop calling me. They stopped calling, then entered this bogus info on my credit report. I enlisted the aid of CFPB and the collection was withdrawn. They also manipulated XXXX XXXX rules to make it more difficult for me to remove incorrect info from my report. In their resolution letter, they provided a bogus phone # for XXXX XXXX XXXX, and said that they requested deletion from credit reporting. Then they apparently sold the fake debt or transferred it to their crooked cronies at Credence Resource Management, who then entered a fraudulent collection account on my XXXX report on XX/XX/20 in the amount of {$1200.00}. Since the dollar amounts are one dollar different, does that mean nobody will realize their scam? When are we in the USA going to actually STOP these scammers, instead of coddling them and giving them a slap on the wrist as long as they say nice things? XXXX XXXX XXXX is closing a credit card account based partly on this negative entry on my XXXX report.
12/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 838XX	Web	Older American
Moved from XXXX to XXXX with XXXX on XX/XX/XXXX. Started new XXXX service XX/XX/XXXX unbundled due to lack of availability of XXXX phone and internet service. Account # stayed the same but I was being charged for extra XXXX and not receiving my bills on line. On XX/XX/XXXX I called XXXX and they stated they could not help me I had to call XXXX and speak with a representative and provided me with the phone number. I spoke with XXXX and they cleared up my account. Apparently I was being charged for XX/XX/XXXX under my XXXX account # XXXX and my XXXX account XXXX. XXXX credited my account the {$130.00} from my XXXX account number XXXX. In XX/XX/XXXX I received a bill for the {$130.00} and assumed it was an over lap in mailing. In XX/XX/XXXX I received another bill from XXXX for {$130.00} and called XXXX in an attempt to resolve the issue. I made several different phone calls and received the same answer : the billing dates were not duplicated. I finally called a number in DC ( i think ) that was sudence ppose to handle XXXX billing complaints. After several attempts to try and get her to see the overlap in dates, she finally agreed and stated I would be sent out a new bill. I waited for the new bill and what arrived was a letter from a collection agency, XXXX XXXX, account # XXXX.I have filed two separate disputes with copies of my bills and have received and email in both cases from Credence stating " XXXX states the charges are correct. ''
01/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 351XX	Web
I was a customer of XXXX for many years. Upon completion of my last renewal period I decided that I no longer wished to have their service. I had completed my last 24month commitment by a year and " per my contract '' I paid in full the remainder of the month in which I cancelled. XXXX began sending me bills for an additional {$100.00} for an additional month that my contract did not require. I contacted XXXX on numerous occasions to explain this and their response was that since the XXXX XXXX XXXX buyout their policy had changed and I now owed this additional amount. My w/XXXX contract had no such clause and I refused to pay it. After many more calls to XXXX I finally talked to a gentleman that seemed to understand and assured my that he would get it " taken care of '' and I need not worry about it anymore. After several months I started receiving collection calls from a third party requesting payment for this debt that was not owed. I again spent many more hours trying to straighten this out but they were not interested in the fact that this debt was not owed in the first place. I have not had a late payment on anything in over 20yrs and these people apparently have the right to send my credit to the sewer over a debt that is not owed??? Something needs to be done about this. It is not always the consumer that is fraudulent. Add XXXX XXXX XXXX to the criminal list ... ... Am I supposed to hire a lawyer over a {$100.00} fake debt????
02/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web	Servicemember
Last summer, I found out by attempting to set up internet services with XXXX XXXX XXXX in a new apartment that someone had set up a fraudulent account under my social security number with XXXX XXXX XXXX ( but with wrong accompanying information such as birthday ) to secure XXXX XXXX services at XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX - account number XXXX. I have never lived in the state of Louisiana, purchased XXXX XXXX services, or authorized anyone in the state of Louisiana to purchase anything on my behalf. I worked through the fraud process with XXXX XXXX XXXX last summer, culminating in sending a letter to what I thought was a collections agency that they implied over the phone would close the process. I'm currently buying a house, and through the mortgage application process have discovered that despite the process last summer, XXXX ( separate from XXXX XXXX XXXX I guess ), sent the same collections debt ( {$610.00} ) tied to the fraudulent account above to a collections agency, Creedence collections, in XXXX and it went into collections in XXXX. This is now driving up my mortgage rate more than a percentage point ( several hundred dollars a month for the next 30 years ). The lender I'm working with is saying all they need is a letter from the collections agency stating that once the charge is confirmed as fraud, it will be removed, or to complete the process in 10 days. The collections agency is refusing to do either.
09/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 641XX	Web	Servicemember
I received a collection bill from Credence excellence beyond belief XX/XX/2015 on behalf of XXXX XXXX XXXX. I called Credence because I had never heard of either and wanted to know what this was about. Upon speaking to agent I was informed this was a medical debit for a XXXX XXXX visit for XXXX XXXX XXXX. I informed them I did n't know this person and he kept asking if he was my child. I told the person no and asked how they got my name and address and how could someone go to hospital and use name without I.D . He also informed me this bill was acquired at XXXX XXXX and they could not give me anymore information since I was not the person seen in hospital because of HIPA laws. I told him I had never received a bill from Research and found it laughable that they would quote HIPA and wanted me to pay a bill. After going round and round he finally apologized when I told him I would contact XXXX XXXX and said no further contact would be made. Well yesterday I get another bill for same thing but a yellow slip accompanied the bill stating they made a mistake with first settlement offer and this was a corrected XXXX and told me to disregard letter dated XXXX XXXX, 2015. These people are crooks and a joke. I contacted Research Medical the next day after I spoke with Credence and was told by a person in billing that they never heard of Credence nor XXXX and that they have a list of collection agencies they use, and that there is no debt I owe.
04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48021	Web
I decided to switch fromXXXX to another carrier. In order to do that and keep my same phones, it was required to pay off remaining balance which were the cost of the phones and monthly phone bill. Two payments were provide to complete this before they would unlock the phones to allow the new carrier to activate them. The first payment was for {$440.00} paid on XX/XX/2022 at XXXX XXXX. The phones still wouldn't activate which lead me to call back to be told there was still a balance that needed to be paid and the second payment was {$180.00} on XX/XX/2022 paid at XXXX XXXX. I talked to three people who advised that all balances were now paid and the account was successful closed and phones will now be able to be unlocked for the new carrier. All of a sudden I receive a XXXX point decrease across all three credit reporting for collections from XXXX XXXX to collect {$460.00} for the cost of the phones! Ultimately they deleted and the law office closed the account after proof was sent and now sent to another company, Credence Resource Management for the same amount. I have spoken with XXXX XXXX again who stated they opened investigation because they can only find the {$180.00} payment and will call me in 5 days and that was over 30 days ago. I called the collection company and they keep saying pay. I was in the middle of buying a house and this stopped me causing devastation to my family! I want this DELETED for all three reports NOW!
09/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38141	Web
On XX/XX/2020, I sent a letter certified mail receipt return to Credence Resource Management after receiving my credit report. They are reporting I owe for a debt that I have no knowledge of. I never received any mail from Credence prior to reporting this information on my credit report. After thoroughly investigating, I found Credence not to have a license to collect debt in the State of Tennessee. I found this information on The Tennessee Department of Commerce & Insurance and spoke with a representative with the State of Tennessee who confirmed the information was correct and accurate. I took a screen shot and included it in the letter I sent certified mail receipt return to Credence. I informed them that they are illegally trying to collect on a debt in the State of Tennessee because they are not licensed in the state. I asked them to immediately remove the item from my credit report and cease attempting to collect on the debt. Credence response was the creditor verified that the charges on the account was valid without providing validity of the debt. They failed to address the fact that they are not licensed in the State of Tennessee and they continue to report the unverified information on my credit report. It is damaging and a defamation of character. I informed them in my initial letter that I would file a complaint with the CFPB, the Attorney General 's Office, and the XXXX depending on their response and the outcome.
10/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web	Servicemember
On XX/XX/2020, I paid the settlement amount arranged of {$430.00} ( the original amount was {$670.00} ) with the collection agency XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX XXXX for my account. I also received a letter after the settlement was paid. This week XXXX XXXX alerted me of a new derogatory debt on my XXXX report. In XX/XX/2020, XXXX XXXX XXXX XXXX hired a second collection agency, Credence Resource Management, to collect the " balance '' from the original amount. The balance of the original amount is {$230.00}. This is unfair and illegal because this is the same account I previously settled with XXXX. This is the reason I am filing this complaint. On XX/XX/2020 at XXXX PM I spoke with XXXX to ask why did XXXX XXXX XXXX XXXX put another collection on my credit report to collect the balance for what has already been addressed and settled. I informed her that I have a settlement letter from XXXX dated XX/XX/2020. She did not care about it. Her response was, " You have a pending remaining balance. '' She repeated that several times like a robot and had no intention to remove this balance from my cancelled account and/or to request the credit company remove this from my credit report. This is illegal and unacceptable. I want that collection off of my credit report. I have worked hard to pay off my debts and I no longer owe XXXX XXXX XXXX XXXX a debt. They are trying to force me to pay or else hurt my credit.
12/21/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NV 89030	Web
Tuesday XX/XX/2021 Credence Resource Management contacted me. I have received a call before super nice person. I am XXXX and she put a hardship on it for 30days. Today I get a call tell him I'm still XXXX also explain to him the small details of the acct. He explained that I had 2 choice either take responsibility for the account or file a police report. A few times I said " that's a super hard thing to do and it's not something I can just decide '' he kept telling me I had that two choices and I asked if I had to make that decision right now he said yes. I told him I couldn't he kept trying to force me to I told him I wasnt able to adequately make that decision right now he then proceeded to ask me if I was under the influence and that I sounded just fine. He just talked over me and didn't let me speak. I told him again I could not make that decision right now and that at this point he was harassing me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is also information I am not required to give him. He said in the beginning of the call that the information collected would be used to collect debt. He was trying to squeeze decisions I could not make for the benefit of the collection agency. His harassment was to strictly benefit the debt collector. He is not of authority to force me to make decisions in regards to my life.
11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32822	Web
On XX/XX/ XXXX I sent a debt validation letter to CREDENCE RM XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that CREDENCE RM have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy. Re : Account # XXXX Please remove it from my credit report. I respectfully request to be provided proof of this alleged item, specifically the contract with me and your company CREDENCE RM, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all consumer reporting agencies who have received a copy within the last six months, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX XXXX Zero out the balance on this account Deletion from all consumer reports. Best Regards XXXX XXXX XXXX
12/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75040	Web
Avout 2 years ago i settled a debt with XXXX XXXX. A conpany named Creedance resource mgmt called me the next day as i was to pay and told us that XXXX had switched their company i should pay to. the amount was close to $ 7k. I thought it was odd but i ended up ignoring them and paying with the correct company A month later i started unexpicably losing a lot of money. Those guys calledme acouple more times about ridiculous debts and asking how mich fo i want to pay? I told them nothing is what i want to pay. The miney kept didappearing throufh what i now kniw were doubked transactions. was told by one debtor that i had called the previous day but i had not. we list so much money we went into foreclosure and we sold the house. after micing things got even worse and i would receive calls from people but they did not say they were CRM. We were bring hackef as well. however when i would return the call CRM answered. i threatened to sue and one of their team w assured me they were not hacking ir stealing from me. i had a little evidence and an assumption but not enough. Now almost a year later they start showing up on XXXX. False debts that i dint owe and people taking out credit in my name. This company needs to be investigated immediately. they are currently threarening us kn our own home and shining infrared lasers into it. sounds crazy but u swear its true. we ar moving we fo not feel safe. please investigate this company
02/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ XXXXX	Web	Servicemember
Some company by the name CREDENCE RESOURCE MANAGE who was previously positing on my account as XXXX XXXX put a collections from XXXX XXXX I have never had an communication with the company in writing or on the phone. I have never received any notifications of collection0s or debt or right to dispute. They are selling my information to multiple companies and placing collections repetitively on my credit report every few months that I am constantly disputing. I also do not owe anything to XXXX XXXX. I have had another cable in my for years I have had T-Mobile as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of this company or received any bills from XXXX XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs and XXXX
04/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55423	Web
I received a phone call from XXXX XXXX about a past due bill of {$230.00} on a account that should have been closed XX/XX/XXXX. I was told a phone was purchased in XXXX. XX/XX/XXXX sometime in XX/XX/XXXX and I explained it was fraud, I was not living in XXXX. at the time and lived in XXXX. I asked for them to explain how a phone could be purchased on a closed account and produce my signature or authorization they could not. The phone wasn't even being used with the number XXXX that was in question. I never received a bill and I was not contacted again. I moved back to XXXX. in XX/XX/XXXX and XXXX. was noted as owed dept. I went to the police station and made a police report and sent it to XXXX. XX/XX/XXXX. It was removed from my report. XX/XX/XXXX I received my report and Credence Resource Management posted a owed dept to all credit bureaus {$230.00}. I contacted them, told them this same thing they said a authorized user made the purchase and I told them that is impossible because I didn't live in XXXX. at the time the phone was purchased. I called XXXX XXXX and they said they would investigate. I told them it has been investigated, I sent a report and mailed it AGAIN to XXXX XXXX. I was told I would receive a call back and have not. I got a credit report XX/XX/XXXX and they reported it again. At this point I feel harassed and I have taken the necessary steps to prove this is fraud. I don't want to deal with this anymore.
03/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 432XX	Web
To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGEMENT LLC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGEMENT LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGEMENT LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGEMENT LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGEMENT LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGEMENT LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
08/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	HI 967XX	Web	Servicemember
Around the XX/XX/2022 time frame, I switched my cellular carrier from XXXX to XXXX XXXX, which is a re-seller for XXXX services as this change lowered my service costs. Consumer cellular said that they would take care of the steps needed to make the change and cancel my XXXX account. Some time passed and I was still getting bills from XXXX and after numerous conversations with XXXX, I found out they were still billing us for our XXXX watches. We finally got that settled and made sure that any remaining charges were paid and based on XXXX inquires to XXXX, our balance was XXXX. Sometime during this lengthy transition a collection bill for {$420.00} shows up claiming I owe XXXX more money. First off, I always had my payments on auto-pay and I never had late payments a, nd bills that showed up from XXXX during this process, I either paid or contacted XXXX to take care of it. Sometime in XXXX, this company, Creedence Resource Management filed a collection notice saying I owe {$420.00} to XXXX which now, has taken my hard earned credit score of XXXX down to XXXX for noting that I have done. I have repeatedly contacted XXXX and verified I owe them noting and I have no idea where this is coming from. I do know that someone is responsible for initiating this and I expect this to be corrected and removed from my credit reports. I am prepared to take legal action against this company for falsely filing a negative credit notice.
11/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78759	Web
I was a victin of identiry theft were my XXXX Account was used to order multiple devices and new numbers. Despite my efforts to work it out with the company, we were unable to come to an agreement. I had 4 phones but only was paying for 2 because of a buy one get onefree promotion. I also had an unlimited data plan. Regardless of my 19 year history, XXXX hanged my plan without .y permission, denied doing it and charged me XXXX XXXX XXXX $ and XXXX $ last summer ( 2017 ) and they never removed the lines that had been added without my consent or knowledge. I left then XXXX of this year and went to XXXX. I received a final bill and paid XXXX $ for my final payment. 3 months later, XXXX sent my account to collections withiut notifiying me and did so with their television subsidiary ( XXXX XXXX for XXXX $ ). The tv charges were removed because i never received services but my final bill had changed from XXXX $ to {$3900.00}. The cell phone services were just for me and my duaghter who doesnt even use it really ( shes XXXX ). They have neglected their responsibilities and abused their power in a system set in their favor. I have proof of my payment and the final amount being incorrect, the termination fees and 2 phones could not be more the XXXX $ ( i paid 1 year already and they owe me credit from the mistakes they never rectified ). They have ruined my credit and made finding a home for my kid and myself impossible.
12/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38138	Web
XX/XX/2019 Called & Cancelled all cable & internet services effective immediately & requested removal from auto payments. Returned all equipment & have receipt. XX/XX/2019 Continued to be charged for services thru XX/XX/2019 & checking account was auto debited another {$240.00}. When I called, they advised that cable was " scheduled '' to be cancelled, but internet was not & nothing could be done about amount debited. There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX on billing and cancelling- After multiple calls and hours of waiting, rude customer service agents, some nice customer service agents who explained they hear this all day, & promises of calls back, finally received from statement showing {$190.00} was removed & {$0.00} due. Then received bills again from XXXX XXXX XXXX for same service & same amount due again {$190.00} No amount of phone calls could fix this. Service was cancelled & we paid an additional moth. We have an invoice clearly showing {$0.00} due and still was sent to collections for amount by XXXX XXXX XXXX XXXX {$190.00} There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX & they are double billing. I disputed this and they sent back only XXXX XXXX XXXX statements and disregarding the XXXX statement which is for SAME account and shows {$0.00} due after multiple phone calls and being transferred to all different departments within the 3 company names.
06/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89145	Web
Credence Resource Management, Account # XXXX represents a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XXXX and it appeared on my credit file as XXXX in XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report in XXXX of XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, this information was challenged and subsequently deleted as it is a re-aged account. Now, the information is once again showing on my XXXX credit file report # XXXX under the collection agency, Credence Resource Management with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. Credence Resource Management is reporting a re-aged account to my credit file which is a direct viloation of the FCRa. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XXXX rather than the first date of delinquency in XXXX.
04/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93065	Web
On XX/XX/2020, I received a collection letter from Credence Resource Management LLC, alleging that I owe a debt that they are trying to recover for {$1200.00} and stating that creditor has authorized their office to accept a payment in the amount of {$450.00} to resolve the debt. The letter indicated XXXX XXXX XXXX XXXX was original creditor. I wrote a letter to them dated XX/XX/XXXX which I certified mailed them and in which they received on XX/XX/XXXX ( within 30 days after I received their letter ). I indicated to them that I NEVER had XXXX XXXX XXXX as my provider EVER in my entire life and I asked to send me some verification of debt in any form such as contract or application or statement allegedly relayed to the debt or signed receipt. To this date they have not provided me any validation of in any form and neither they responded to my certified letter that they received on XX/XX/XXXX. I sent another certified letter on XX/XX/XXXX, seeking explanation of this fraudulent account and they didn't respond back but they immediately reported this fraudulent account to all to all 3 credit agencies and substantially impacted my credit. I find their act as intentional and abusive because they had the letter from me asking for verification and they knew that I never owed any money to the creditor because I never had any dealings with creditor but they reported me to credit agencies to damage my credit report.
10/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63108	Web
XXXX XXXX XXXX is a wireless provider I opened an account with in XX/XX/XXXX which is account # XXXX Later I noticed that XXXX XXXX XXXX reported my newly esta.0blished account to the credit bureaus saying that I owed {$860.00} by adding on a balance from an old account over 6 years ago. XXXX XXXX XXXX XXXX can not get monies from an old account and place or transfer it to another account in question. Credence Resource Management a collection agency was their collector. Therefore, the debt was cancelled and there is " NO CONTRACT '' The debt was sold and XXXX XXXX XXXX XXXX wrote debt of {$860.00} off on their taxes years ago. I told the credit bureaus that but to this date it is still unresolved. That old account can not be merged into a new account of mines and then state to continue on credit bureau report until XX/XX/XXXX. When in fact that old account supposed to been removed some time ago. Especially after 7 years. The account being reported is a different one with different account number ( partial # XXXX ) and saying it was opened in XX/XX/XXXX ; When in fact it was not it was over 6 years ago. So how can XXXX XXXX XXXX just merge new account information with an old account to impact a person credit report negatively according to the law. this is a XXXX company as well and the 2 year rule is outdated. I am requesting that this negative & falsified and manipulative information be remove.
02/12/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95382	Web
I purchased services with a third party dealer for XXXX XXXX and XXXX XXXX XXXX services in XX/XX/XXXX. They came to install at our apartment complex. Shortly after the services were installed, we began to have problems with reception and services. This lasted almost 2 years. We requested tech to come out and fix it but they could not climb up on our roof due to company policies. A representative told us they were not allowed to send techs on the roof to install satellites and wondered how we got one on our roof. The third party dealer did the installation but XXXX XXXX could not help us improve reception because we were not getting service most of the time. A representative agreed to waive our cancellation fee due to the severity of miscommunication, neglect and lack of customer service we received in prior to XX/XX/XXXX. I received a statement from XXXX XXXX XXXX in XX/XX/XXXX showing my balance paid in full at {$0.00}. After a year, Credence Resource Management began to harass me with calls all day and passed XXXX that I needed to pay a bill of {$220.00}. I disputed with both XXXX and XXXX but the debt collector produced a fraudulent statement that did not allow me to take the fraudulent debt off my account. I am requesting this be removed from my credit report and that XXXX XXXX XXXX, XXXX XXXX and Credence Resource Management be reprimanded for bringing false debts against me and for harassment.
05/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20110	Web
I received notice that I owed a collections balance of {$830.00} from Credence Resource Manage. I do not have any knowledge of having any debt to my name. I've been building up my credit this past year and I've done a good job with keeping up with payments so that I can achieve my high score. I was devastated when I got this notice being as though I am not aware of this account. I called the debt collectors to get more information because at that point I realized somebody must have got access to my ssc. During that time of said service from XXXX XXXX I never owned a TV nor did I even have my own room. I was sleeping in the living room with other family So theres no logical reason that I would even get cable service especially with no job no income & pregnant with my first child. I believe I have clues on how someone could get access to my info because I transferred from states & had my mail coming to my family members house there is no other way of anybody getting it to my knowledge. The collections agency notified me there is four numbers connected to this XXXX XXXX account which is strange. I'm not sure about how tv service is but when I had XXXXXXXX XXXX I used my email to sign up. The collection agency says there was none on file for that account which I know isn't mine because I use my email for everything I sign up for etc.. Please help me figure out how to dispute this account from my name.
05/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Older American
XXXX XXXX XXXX Retail Store stated XXXX XXXX XXXX was offering a " FREE PHONE '' with opening a line of new service.. Consumer did in good faith purchase such a service, received the " FREE PHONE ''. When at home, The XXXX XXXX XXXX Retail Store 's receipt, stated the phone brand and $ XXXX! Consumer went back to XXXX XXXX XXXX Retail store & returned this illegal " FREE PHONE ''. if I was going to be charged for a " FREE PHONE '' then I will get a phone I wanted. This XXXX XXXX XXXX Retail Store sold me a different model of the XXXX XXXX. Took that back ; until I received what I wanted. The Sales Tax during these exchanges ( approximately $ XXXX ) was NOT RETURNED to Consumer. Consumer Filed the 1st FCC Informal Consumer Complaint- was later part of 2019. Other FCC Complaints followed- FCC determined Discussion was finished and prepare for FCC Court , in Washington DC . ( This Consumer is XXXX ; low income based upon XXXX Benefits. ) However, people can request Court permission to represent themselves as a " prose '' via wire and mail. I just realized the XXXX XXXX XXXX Office of the President did not follow through with XXXX XXXX XXXX 's promise statements from XXXX Credit Damages continually add up. Please Excuse me for not obeying the 2nd stated CFPB Restriction about personal information ; due to extensive rework to documents, that are included in the following Attachments below.
12/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37918	Web	Servicemember
I have been harassed for multiple years by different companies claiming to have a debt originating from my XXXX XXXX contract that was finished and paid in full. I do not owe anything to XXXX XXXX. They overcharged me and added items to my bill without my consent to have these channels added. Upon the finality of my contract of 2 years with them I requested in writing, email, and verbally that they terminate my services. They tried to continue charging me despite my extreme attempts to terminate their services upon completion of my contract with them. They have tried to sell " debt '' to several companies since 2017. I have successfully disputed these companies at the basic level by completing disputed with the bureau they were reported to. This current company " credence resource management '' has claimed that they verified the debt with the originator. Since the originator illegally created the charges they are not valid and were never owed. I do not owe anything to XXXX XXXX and quite frankly I am fed up with being harassed by companies for petty amounts of fake debt that ends up creating a negative impact on my credit. I am considering legal action if this harassment does not stop. I have verified that these debts are illegal charges and I should not have to waste my time and energy everytime they sell it to some company hoping to profit off of illegal/fraudulent debt collection processes.
01/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 641XX	Web
I switched phone services on from XXXX XXXX XXXX to XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to cancel my services. I received an invoice from XXXX XXXX XXXX for the full monthly total and called XXXX XXXX XXXX on XX/XX/XXXX and spoke with both XXXX and XXXX and someone was to call me back. Nobody called me back to discuss. I called again on XX/XX/XXXX and had another conversation for 1 hour and 7 minutes. I first spoke with XXXX at XXXX XXXX XXXX for 29 mixtures until she transferred me to the " combined filing specialist '' XXXX. Ticket # XXXX, Badge # XXXX and XXXX agreed with my assessment that I did not owe the amount indicated but a manager would have to call me back. Nobody called me. I know I owe something for the service from XXXX but XXXX XXXX XXXX keeps trying to charge me for the full month. I am not under contract. XXXX XXXX XXXX will also not honor my initial cancellation request on XX/XX/XXXX because they said they have no record. However, I have proof that my service changed, as I have explained to them. I can not control what XXXX XXXX XXXX records when I call them. I am happy to pay what I owe but I am not paying what I do not owe. XXXX XXXX XXXX has now told me twice that someone would call me back to discuss and nobody has and instead they turn me over to a collection agency, Credence Resource Management, without trying to resolve or fix their errors.
07/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 782XX	Web
I have owed XXXX XXXX XXXX for over 4 years a bill that was just recently bought by a different collection agency, Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are now reporting this as a brand new debt and not reporting the age of the debt. They did the same thing last month with a XXXX XXXX collection account that we ended up paying XXXX XXXX. This is a completely unethical practice. They should be reporting the debt from when it occurred, not as brand new debt. The effect this has had on my credit has been huge. For the second time in two months our house closing has been denied just because of this company. This company has brought down my credit score over 50 points each month when the mortgage loan company goes to check to begin closing processes. We have now lost the house. When we called regarding the XXXX XXXX bill, they at no time indicated they had another account for XXXX XXXX XXXX. They are rude, can't speak in a manner that you can understand, and are not helpful at all. They still haven't reported that XXXX XXXX has been paid in full even though they confirmed payment with XXXX XXXX while I was on the phone. Reading the reviews and on-line information, they should be forced to correct their reprehensible collection and reporting practices. We want this company to be truthful and report correctly. They are negatively affecting peoples lives.
07/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33511	Web
1. Found out about this in XXXX, XXXX due to applying for a mortgage loan and this collection was on my credit. It was listed as from XXXX XXXX XXXX XXXX for {$330.00}. I immediately called the company and talked to collections who said they had an account in my name but could not help me unless I had an account number. 2. I let the property go that I wanted to purchase and asked the lender for more information. They sent my credit scores which had dropped by 100 points. 3. I then contacted the credit reporting agencies and disputed the charge assuming it would go away. 4. I received a notice saying it was valid. Now I haven't had a phone with XXXX XXXX XXXX since XXXX. When I cancelled my service with them I was not under contract for 11 months and it took them two months to stop the service. I already had another phone and service with XXXX XXXX. 5. I was able to receive the account number through the credit reporting agency. 6. I just got off the phone with XXXX XXXX XXXX collections and in order to find the account I needed a pin. They said they had to email to me at the email on file and reset the pin. This is a tactic to update the last contact to reflect this as a current account and reflect this date on my credit making it look like a current collection that I do not owe them. Their dirty business practices are illegal. I do not owe this and this has caused me trouble.
10/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19720	Web	Servicemember
I have a Collections on my credit report dated XX/XX/XXXX form Credence Resource Management account # XXXX in the amount of {$4900.00} from XXXX. On XX/XX/XXXX I completed a police report for Identity Theft to the XXXX XXXX Police Department Case Number XXXX. I called XXXX and gave the police report case number regarding account XXXX in the amount of {$4900.00}. The account was opened from XX/XX/XXXX to XX/XX/XXXX from the address XXXX XXXX XXXX. I then filled out the Fraud Affidavit that was sent to me and mailed and faxed it back to XXXX in XX/XX/XXXX. It was removed from my credit report ; only to return on XX/XX/XXXX from another Collection Agency. I have been a loyal XXXX XXXX XXXX customer since XXXX. I have never ever lived at this address. I have been a home owner living at the same address for 17 years. I have never owned a business or have been a business partner with anyone. When I spoke to XXXX XXXX, the Supervisor at Credence Resource Management, he stated he couldn't do anything but take my information and send out another packet for me to fill out and send back in. This could take up to 30 days. The only way he received my information is from XXXX for a delinquent phone bill. This was supposed to be resolved. It is not. It keep reoccurring. I was also advised by Mr. XXXX that XXXX has forwarded/sold this to three other Collection Agencies before his Agency got it.
09/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19027	Web
I have attached my correspondence with XXXX XXXX XXXX including a Priority Mail letter which included the police report, FTC Fraud Affidavit, photo of the identity thief and other materials. I was a clear victim of identity theft. The thief attempted to open XXXX accounts ( including the one with XXXX XXXX XXXX ) and successfully opened XXXX of them. Every other company has quickly closed my account and removed any adverse reporting. Only XXXX XXXX XXXX continues to harass me. I wrote to XXXX by email and stated that : I have also attached the " Termination Notice '' which she received recently. This is rather ridiculous since XXXX XXXX XXXX terminated the right to use the phones in question when I initially contacted your fraud division by phone XX/XX/XXXX. Nevertheless, I am asking that you respond to this email to confirm the following:1. You will note that the account was opened fraudulently as a result of identity theft ; 2. You agree not to report any adverse or negative items to the credit bureaus ; and3. You cease all future collection efforts. The FTC has advised me that if this is reported to the credit bureaus or if a third party collection is undertaken, you will be in violation of Federal law, and I will proceed accordingly. Despite this, the account has now been referred to a third party collection agency. I attached the demand. A letter was also sent to them.
09/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91910	Web
I'm filing the following complaint on behalf of my elderly mother/patient with who is a XXXX XXXX XXXX against provider : XXXX XXXX XXXX XXXX XXXX Service : Ambulance Service for XXXX XX/XX/XXXX. Complaint regarding provider not properly billing copay cross claim and erroneously sending copay to collection agency. When XXXX sent initial statement for copay {$200.00} on XX/XX/XXXX. I contacted XXXX customer service dept. on XX/XX/XXXX at XXXX and spoke to a representative and provided XXXX XXXX CA XXXX XXXX ID XXXX number informing provider that my elderly mother had XXXX XXXX to cover copays , coinsurance and deductibles, in addition to her primary insurance XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I was inform to allow 30-45 days for claim processing. On XX/XX/XXXX, I sent an email to provider XXXX at ( XXXX ) to follow up on billing issue since XXXX continued to send monthly billing statements. XXXX XXXX customer service dept. responded on XX/XX/XXXX, stating account was updated and info forwarded to billing dept. for processing and to allow 30-45 days. XXXX failed to take the appropriate action to bill and/or never submitted the claim to the XXXX and instead sent the account to collections and violated the federal law that prohibits XXXX provides from billing XXXX Qualified XXXX Beneficiary program recipient for any XXXX Cost-Sharing copays, XXXX and deductibles
05/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 292XX	Web	Servicemember
Around XXXX XX/XX/2021, I called XXXX XXXX XXXX to change my phone number, because i got a new phone. A customer service person, instead of changing my number to my new number, this person gave me a different number in which I didn't want. I kept repeating myself to him that all I wanted to do was to change my contact number. We got disconnected, so I called them back and talked to another customer service agent, I explained to her what happened. So she helped me out and cancelled that number and put it my new number, so that way I can use my XXXX XXXX XXXX app to pay my cable bill. when I looked at my XXXX XXXX XXXX XXXX I discovered that someone had used my account to order a XXXX XXXX phone and that new number that the other agent gave me in which I didn't want was still there. I called XXXX & XXXX back and they once again removed that number and sent me to the fraud department. I canceled both cell phone and cable with XXXX XXXX XXXX, but I paid off my cable bill. I have never missed a payment and I refuse to pay for the wireless service for a number that I never had. Can you please help me in this situation. Its unfair for me when out of almost 20 years in the military and being in debt because of my XXXX, I had finally build my credit into the XXXX. Because of XXXX XXXX XXXX now my credit went down a lot. Please help me. Thank you. XXXX & XXXX Incident number XXXX
06/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32773	Web
While trying to apply for refinancing our home with my husband, we discovered there was an account that had a large debt : {$3000.00} w ith Credence Resource Management, w ith the account being opened XX/XX/XXXX . I discovered it by signing up with XXXX XXXX . XXXX is the company reporting it. We called the debt collector to find out what the original charge was for. When verifying my name and la st 4 of my Social, he repeated back to me an incorrect address. The address he had on file is in another state from the one I have resided in for the last 28 years. He stated that it was for XXXX in XX/XX/XXXX and the account closed about 1 year later. I have never applied for anything with XXXX or XXXX XXXX XXXX . We told them we would try to resolve the matter ourselves and hung up. I attempted to obtain my one free annual credit report from XXXX , so I actually had a solid report on file. I was unable to proceed as they were " Unable to Confirm Identity '' with the information I gave. Going through the initial process, some of the questions that were asked about my identity gave questionnaire selections for the out of state address in XXXX , GA. I have not and do not live in XXXX , GA. I would like to know how I can get this fictitious debt cleared off of my credit report and what steps I need to take if someone used my Social Security number. Thank you.
09/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35216	Web
I cancelled my XXXX service on or about XXXX XXXX, 2016. I returned all XXXX equipment per their instructions via a return from my local XXXX in XXXX XXXX, AL. Then, I received a letter from XXXX dated XXXX XXXX, 2016. It said I owed {$170.00}. It did not mention anywhere in the letter what this was for or why I owed the debt. I called XXXX because I have records that I paid my final bill. I was told that it was due to equipment that was not returned. I asked what specific equipment was not returned and then the department call transfers started. Nobody could tell me what specific item was not returned. On XXXX/XXXX/16 I was assured that a charge for " un returned '' equipment in the amount of {$170.00} would be credited and corrected on my account. Yesterday, XXXX XXXX, 2016 I received a call from the collection agency. The XXXX representive that I spoke to on XXXX/XXXX/16 for 33 minutes ( i have a record of the call date time and duration on my phone that I can provide ) ID number XXXX XXXX XXXX assured me the charges would be corrected because XXXX had clearly made an error and did not log in one piece of the total of XXXX receivers, XXXX TV remotes an internet hub and an internet router. This correction needs to be fixed. I have opened an complaint with consumerfinance.cov ( CFPB ). XXXX needs to step up and correct this HUGE mistake before more damage is done.
01/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43227	Web
To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGE has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
07/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OR 97203	Web
Early XX/XX/XXXX ' I noticed a delinquent amount of {$1800.00} on my credit report from company Credence Resource Management. the only reference I could locate was " XXXX XXXX XXXX '', this doesn't align with anything I have a record of. I disputed this charge via credit agencies XXXX and XXXX and I also sent a certified letter to Credence on XX/XX/XXXX requesting further information about this debt as I never received a notification ( mail or phone ) from them. I have confirmation that they received the certified letter on XX/XX/XXXX requesting further details, but no further information was provided. On XX/XX/XXXX I called Credence at XXXX and talked to a representative requesting further information. I confirmed with the rep they did not have any of my contact information for this debt ( mailing address/ phone number/email ) and the only thing they could tell me was the charge is associated with an account opened with XXXX on XX/XX/XXXX. I do not now or have ever had an account with XXXX, yet they insisted it was my account even though they provided nothing that ties me to the account. I requested they provide in writing all the information they have associated with this, but as of yet nothing has arrived. Not sure what more I can do to get this cleared. I have put a lock on my credit in case this is associated identity theft. Any help is greatly appreciated.
03/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90603	Web
There is currently an opened debt collection account on my credit report. I submitted a complaint on XX/XX/2022 in regards to this debt which was under XXXX XXXXXXXX XXXX for XXXX XXXX, amount of {$320.00}. I do not know who this company is, someone stole my identity to open this account. I see this debt was removed however, now it has appeared back onto my credit report under CREDENCE RESOURCE in the amount of {$340.00} ; original creator is XXXX XXXX, report indicates opened as of XX/XX/2022 ( the previous debt for XXXX XXXX was opened on XX/XX/2022. Please assist in removing this account permanently as this account does not belong to me. Also, I see someone is using all my personal information at an address XXXX XXXX XXXX XXXX XXXX, KS XXXX. I have never lived in any other state, only XXXX ; born and raised here, never moved out of XXXX, I have no association outside of XXXX. I have also received a fake STATE CONTROLLER piece of mail indicating I am owed some funds from an employer ( unclaimed property ) this is false. I have attached the letter and the envelope I received. Please see the address at the bottom of the letter which indicates the XXXX, KS address. Again, someone is using my personal information to open accounts and trying to steal money. I never responded to this STATE CONTROLLER letter. I have also attached another copy of the XXXX XXXX debt.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 339XX	Web
There is too much unacquires on my credit report. Fraud from following companies XXXX. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Tel # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
01/22/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 33181	Web
I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. XXXX XXXX XXXX XXXX stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with XXXX XXXX XXXX XXXX to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the " Key Vaca Physicians '' debt which I thought I had settle earlier that month. XXXX XXXX told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.
02/16/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48154	Web
" Credence Resource Management '' has called my cell phone 47 TIMES since XX/XX/XXXX. It is always an XXXX person trying to collect a debt from me. I have never heard of these people and I am extremely irate. They called me this morning at XXXX XXXX while I was getting ready for work, and I told the man, " You need to stop calling this phone number. I will report you to the federal government if you do not stop calling me. '' I hung up before he could respond. They called again on the same day at XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX and XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX Do you see how annoying this is?
09/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 956XX	Web
Receiving repeated phone calls about a debt I do not recognize or owe. The person calling refused to identify themselves and was trying to solicit personal information and continued to communicate after asking for written correspondence and refusing to acknowledge the debt. Issue has been resolved and despite there being no debt owed, collector insists on calling and speaking over in what I deem an aggressive and markedly threatening tone. This type of harassment is unacceptable and unwarranted. Did not feel comfortable continuing the call and ended it when person on the other end of the line continued to raise their voice and keep talking while asking questions about a debt I do not owe or recognize. Asked for written correspondence after refusing to acknowledge or validate the debt and person continued to speak over and ask questions loudly. Felt extremely threatened -- a stranger calling asking questions about personal information and refusing to identify themselves lest those questions be answered then proceeding to talk loudly about a debt one does recognize or acknowledge then continuing to speak at a more rapid pace despite a request to end the call with said stranger or request written correspondence is quite overwhelming. Felt the direction of the call was getting increasingly obscene and truly unaware of who this person is or was.
03/18/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 210XX	Web
Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX In XXXX, we received a letter ( dated XX/XX/20 ) from a collection company demanding payment- referencing a disputed debt to XXXX XXXX XXXX XXXX We then reconciled this company name with numerous missed calls on our phones from this same entity. On one such call, a muffled message was left that failed to identify the caller as a collection company. In addition, the broken English used was incomprehensible. At the time, we were deeply concerned that scammers had obtained personal information and were attempting to access accounts. Needless to say, this created a significant amount of XXXX and XXXX on our part that led to needless XXXX and XXXX. FDCPA section 805 ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. We have also received numerous contacts early in the XXXX that are also likely violations.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credence Resource Management for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given CREDENCE RESOURCE MANAGEMENT ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from CREDENCE RESOURCE MANAGEMENT about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDENCE RESOURCE MANAGEMENT can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDENCE RESOURCE MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and CREDENCE RESOURCE MANAGEMENT will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
04/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33069	Web
I noticed an XXXX XXXXcredence acct on my credit report i requested to validate because I never had XXXX XXXX services. They sent me improper validation. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30342	Web
Fraud has been committed on my Consumer Report which violates the FCRA and FDCPA. CREDENCE RESOURCE MANAGEMENT , LLC is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required purchase agreement Evidence that you are a licenseded debt collector Chain of Title Proof your are license to collect a United states debt and enjoy it *A requested copy of your XXXX XXXX XXXX XXXX XXXX XXXX XXXX . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all Communications activities and have the tradeline line deleted from my Consumer Report. Also see attached letter
07/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76052	Web	Servicemember
XXXX {$3100.00} XX/XX/XXXX did nothing XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX removed from credit Credence Resource Managment {$3100.00} XX/XX/XXXX reinserted into credit blew me off even though they acknowlage fraud XXXX in XXXX of XXXX a XXXX account was opend up in my name in XXXX Florida XXXX I also had several credit cards and my XXXX XXXX accout stolen as well. I can only guess this was a result of the XXXX data breach. In XXXX of XXXX I was moved to XXXX XXXX Texas. I learned of all this frauad pieces at a time as it came through, and all was delt with except XXXX XXXX. They have been nothing short of imposibile to work with. they do not have a fraud department I can contact and once its in collections they will do nothing to help. I have sent the credit bureas all the information including police reports, lease agreements pay stubs showing I was at work in Texas the day it was opened. XXXX XXXX XXXX XXXX help the debt it was removed XX/XX/XXXX report number XXXX now XXXX XXXX has sold the debt again to Credance resource managment on XX/XX/XXXX I was alerted to this and again I am having to dispute this. report number XXXX This is coming as I am trying to buy a house an could impact my ability to do so. I have proved left and right it was identity theft. this is becoming a case of harrasment to me please help.
02/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98003	Web
Received credit file notification of a collection account in association from XXXX XXXX XXXX in association with XXXX for an account at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had never resided at that address nor had I ever done business with XXXX. I own a home at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX and only XXXX is available in my area. I never received any type of contact in the mail or otherwise about this issue until it was on my credit report. I since disputed this for being a fraudulent account and the account was removed as a result of the dispute. Then two months later, I found that now Credence Resource Management that now in XXXX Credence Resource Management has reported a collection for the same amount by XXXX. I also, still have not received a written notification. Information that appears too associated with the said account is the same that has been successfully disputed as fraud. I have mailed a notice and have not heard back but it is again not mine. I am not the only XXXX XXXX, my father and uncle are also XXXX XXXX, though they do not live in XXXX. But there is also a XXXX XXXX of XXXX, WA that is close to XXXX as well. Either way, I have filed an identity theft claim in XX/XX/2019 because of fraudulent accounts and again I reaffirm that this account has nothing to do me, XXXX XXXX XXXX of XXXX XXXX, WA XXXX.
08/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Older American
Credence Resources Management thank you for your input but I requested verification from XXXX XXXX XXXX But sense you did it your documentation with signatures seem to be a joke { CFPB please blow these signatures up you will see that they are not the same myself nor my wife write like that. { If this is a contract Where it the SSI number, { My drivers license, or for that matter any thing } these documents is not a contract. so Credence Res how about a validation from you this account XXXX XXXX XXXX you supplied verification, { now validation } { 1 } who you spoke to name and contact information, what was said } both } parties, { any associates you may have spoke to, there name and contact information, times and dates, any coworkers you may have talked to about this account their names and contact information what was said both parties, { the original creditors } address and contact information Credence verified means make sure or demonstrate that { something is true or justified } LAW swears to or support { a statement by affidavit } VALIDATION means the action of checking or proving the validity or accuracy of something CFPB I have a right to is information { reviewing this made up signature documents that are not contract is a crime } you should have the information at hand because you verified right 30 days by law to respond
08/03/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92805	Web
Calls started on XX/XX/2020. Phone number is XXXX. I answered one call. The man spoke English very badly, I understood very little, but from his speech it became clear that I allegedly owed XXXX XXXX XXXX {$120.00}. I replied that I did not and did not have any debts to this company. I am a client of this telecom operator and I solve all questions in the office of this company. I asked not to call me again, said that it was a mistake and I should not pay anything. after that the calls continued 2-3 times a day. I blocked the number. after which they began to call me from another number - XXXX XXXX and continue to call to this day. also, on XX/XX/XXXX, I received a letter to my current address. the sender is indicated in the letter. Credence Resource Management LLC at XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX tel XXXX. This letter also states that I owe XXXX XXXX XXXX {$120.00}. I was at the XXXX XXXX XXXX office and showed them this letter. The manager checked my details. this debt is possibly tied to my first XXXX XXXX XXXX account at my first US address. I have not lived at that address for more than 1.5 years and have long since closed the account that had only home internet. I have no debts on that account. I ask you to understand why I receive these calls and letters, although I have no debts and problems with XXXX XXXX XXXX
10/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 361XX	Web
I received a copy of my credit report in XX/XX/2018. I noticed that Credence Resource Management had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Credence ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Credence to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Credence has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, time and verifiable information. Per return receipt ( see attached ), Credence received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Credence is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
10/31/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97211	Web
On Saturday, XX/XX/2020 at XXXX, a third party collector called me, reaching me on my cellular smart watch. The collector asked to speak with my father by name. I searched for and found my father, whom spoke to while I held my arm up so he could communicate through my smartwatch. She identified as collector at that point, and I let her know she was in violation of the fair debt collection practices act by reaching me on my smartwatch to collect from another party. It is my belief that she was aware this is not his phone number, and made this call with the intention to harrass and humiliate him by contacting another party whom did not have any interest in his debt. Furthermore, she contacted me on a cellular line, for which I am charged monthly to receive calls, which I also understand to be a violation of section 808 of the fair debt collection practices act. She also did not notify me upon calling me, that she was calling to collect a debt, unlawfully concealing the nature of the call. While I understand a collector would not want to release that information to a third party, I would counter that a collector should not, in that case, contact a third party. Had she identified herself as a collector at the beginning of the call, I would have simply asked her to reach her client at their own phone number and not my phone number.
09/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38501	Web
Credence, This is your formal notice that the account in question is a result of identity theft, and I have also submitted a formal complaint via the CFPB portal. I would request that you immediately do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. Provide proof that it was removed from my report as-well I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Best Regards ; XXXX XXXX Mobile Number : XXXX
08/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32771	Web	Servicemember
I went to emergency room in XXXX for treatment and I had insurance. Left hospital after treatment. Years later XXXX started getting letter and phone calls from collection agency about hospital bill from an emergency room doctor bill from XXXX XXXX XXXX XXXX XXXX, they supplied the emergency room doctor and turned it over to a collection agency called Credence out of XXXX Texas. XXXX of the collection agents did a XXXX way call with my insurance company and the collection agent learned that the emergency room doctor group forgot to fill with insurance company so they did at that time like 18 months later. Of course insurance denied it since it was over the year allowed by law and my insurance company sent me a letter that they denied the claim since it was not filed within 365 days of service and said neither they, the insurance nor I were liable for the bill by law. I faxed all paperwork to credence the collection company. Now in XXXX another collection company called XXXX XXXX XXXX has it called me and sent a letter. I called the original emergency room doctor group they wont pull the claim away from the new collection agency. So it keeps being passed to collection agencies when will this stop. No one is liable for this debt. The new collection agency is rude and threatened to out it on my credit. When will this go away!
05/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17602	Web
I mailed a dispute letter to three collection bureaus about this debt and collection agency on XX/XX/19 by certified mail. The debt came back as validated. I then reached out to the collection company directly by mail stating this is a duplicate account as the debt is also being collected by another vendor. I asked them to research it, provide proof this debt is mine, prove it is valid, and prove they have the legal authority to collect. This letter was mailed by certified mail on XX/XX/19. I received a letter on XX/XX/19 stating that my dispute is closed and XXXX XXXX XXXX said my dispute was " invalid ''. No additional information or proof the debt is mine or they are the correct collection agency was included. I called their toll free number at XXXX on XX/XX/19. I again explained two collection agencies were trying to collect the same debt and I needed some proof of who to pay. I spoke with a Mr. XXXX XXXX who failed to provide me any data. He refused to send me anything saying they were authorized to collect the debt or that the debt was even mine. I asked if I paid the other vendor will they stop collecting and he refused to answer. As I consumer I deserve to have proof the debt is legitimate and which collection agency I should be paying. He did not let me speak or leave a message for his supervisor, Mr. XXXX XXXX.
11/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19152	Web
On XXXX XXXX, " XXXX XXXX '' called my wife 's phone from a disguised number which later would n't work when I attempted to call back to verify my complaint was being handled at that company which I believe is against the law to spoof numbers ( XXXX ) at XXXX and started to try to collect a debt for an XXXX bill I 've disputed several times as identity theft and never told me my mini miranda rights until several minutes into the call. After I advised him this was under dispute for identity theft he still tried to collect the debt by insisting on giving me the alleged balance due. I was n't disputing the balance, but rather the debt itself. I then asked for a manager and got " XXXX XXXX ''. He refused to acknowledge the bad training and the illegal contact and was determined to justify his rep trying to collect the debt after being told of the dispute. I asked several times for his manager ( 5 times ) before he placed me on a long hold for his manager " XXXX XXXX ''. XXXX XXXX did n't mini miranda me, but his manager XXXX XXXX did. This company made this experience very frustrating and extended as the call took dozens of minutes, disrupting my whole night with my family. XXXX XXXX XXXX was aware of my identity theft claim, but rather than work with me, they keep working to have new agencies collect this fraudulent debt.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions and corrections. Thank you,
02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MT 59105	Web	Servicemember
To start : The company Credence Resource Management LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, contacted me about my grandfather 's " medical bill. '' I told them that I was his POA and that he has passed away and because of his passing I do not have the authority to pay them until I am appointed personal representative. I informed them that their client is welcome to provide the information that they have so that way I can place them on the list of Creditors for XXXX XXXX ( XXXX XX/XX/XXXX ). I also at this time requested all details from Credence Resource Management LLC. No information has been provided. They have failed to send the 5-day letter that would contain information about the bill and in their emails, they also are missing their " mini-Miranda '' warning ( informing me of who they are and so on ). I have emailed them again on XX/XX/XXXX @ XXXX mountain time requesting again any information that they have. on Saturday XX/XX/XXXX they responded that they have received my message and that it would be logged. It is now the XXXX and no information has been provided by them. I have also noted that they have reported my grandfather 's debt to my credit report, and it needs to be removed. I have attempted in goodfaith to resolve the matter with them and have received no information from them.
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 389XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1692 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692. ( B ) 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 USC 1692. ( B ) 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also your company only has a license to collect debt in 11 states. Those states are : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Remove this account immediately!! Sincerely, XXXX XXXX
01/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80920	Web
Credence Resource Management LLC has sent me letters stating that they are illegally trying to collect on a debt that can not be verified per law. I have asked repeatedly that they either provide proper documentation or stop collection practices. They sent me a letter again with nothing more than a Bill page from XXXX. This does not meet FDCRA practices and it is violates section 609 of the FCRA as original documentation to support the account must be provided. No contract with signature showing this is mine has been provided. When calling the original creditor they have verified that the social security number on the account is not even mine. Credence Resource is attempting to try to hurt me financially without just cause. They refuse to stop contacting me as I have informed them in writing either supply what I have asked or remove the account and move on. As of today an official complaint has been filed with the State Attorney Generals office in Texas. I am now asking that the CFPB investigate their illegal collection practices. Remember the law is very straight forward on Collection Practices. I have repeatedly asked for the original contract that they must have on file and they refuse my request or simply ignore it. This debt is not mine, I am not going to pay it and yet they keep harassing me over this.
11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 125XX	Web
I received numerous phone calls from a number that kept hanging up, to both my home and my cell number. I finally got the person to speak. They are a collection agency, and had the wrong address, and wrong name, and were attempting to collect a debt, which was not mine. They assured me that they would not call again. I then received a notice from XXXX credit report that my credit score went from XXXX to XXXX, and that I had a collection against my account through Credence Resource Management. XXXX filed a Fraud alert and told me to contact the collection agency and the Federal Trade Commission. I did contact the collection agency, and they are sending fraud documents to me. They have an address in XXXX NY that is not mine. My ex-husband 's sister lives in XXXX NY and she has the same first name as I do. When I was married to her brother, we had the exact same name, but that was over 15 years ago. The collection agency stated that the person who they had the collection against used my social security number. I had an almost perfect credit score, and now it's ruined. I take care of my son who has XXXX XXXX. My life is very sad and very busy. This is the last thing I needed. I was told to file a report here as well. In the future, is there a company I can trust to pay for fraud protection? I now trust no one.
01/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75013	Web
This company, Credence Resource Management has been questioned and challenged due to the opening and validity of the debt. The credit line item does not directly reflect what type of debt that it is. The company has never communicated what specifically they are collecting and why. I have challenged this using consumer protection laws to demand proper verification of the collection account, as I am also a victim of identity theft. I have the burden of needing to monitor my credit profiles on a consistent basis because of this. The account was investigated, and the company was not able to verify the debt on my XXXX XXXX credit profile, and has been permanently deleted as of XX/XX/2020. Credence Resource Management has irresponsibly re-submitted this unverified account as a " new collection account '' on my XXXX and XXXX credit profiles as of XX/XX/2020. I believe that this company operates under very unethical practices and defaming tactics just for money. Any company that will try to damage a credit profile of a person that they have yet to fully identify as the account owner should be investigated and fined for their illegal activities. I am requesting that the CFBP properly investigate Credence Resource Management for their erroneous financial practices that effect myself and other consumers.
03/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33069	Web
I received notice in the mail by a Credence XXXX XXXX XXXX that I owed them {$2400.00} showing account number XXXX and creditor number XXXX This is a fraud account this is not mine. I already contacted the creditor and fraud was placed and investigated under my name. I have been with XXXX for the past 3 years so there is no way I owe XXXX XXXX XXXX as this is showing up on my credit stating it was opened XX/XX/2022 which again is fraud I am with XXXX. I submitted an identity theft report and contacted local authorities along with XXXX XXXX XXXX to have this investigated and removed. Credence did not send notice that they were placing this on my credit 5 days before like stated in FCRA meaning they violated my consumer rights along with XXXX XXXX XXXX not sending me notice either. When I called them I told them this is a fraud case and they ignored me and went ahead and still placed this on my credit report. I am purchasing a home this month and this caused a BIG issue with my lender. I am upset and irritated of the irresponsibility of this company and how they failed to notify me of this account before adding it to my credit when the account does not belong to me. Attached please find my identity theft report along with identification and the letter I received in the mail by the company above.
05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24153	Web
According to the FCRA account # XXXX CREDENCE RESOURCE MA Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
12/05/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92277	Web	Older American
I have been receiving two hangup calls a day for many months from XXXX, and I discovered by XXXX the number that it belongs to Credence Resource Management of XXXX, TX, office number XXXX. I have never answered any of these calls - I always let them go to my voice mail, and the caller always hangs up without leaving a message. I also found MANY complaints about the same thing online from others who have been receiving and answering these calls from this number, some of whom describe misleading and abusive collection attempts for, ostensibly, XXXX XXXX XXXX. Many of these comments state that the persons receiving the calls once had XXXX XXXX XXXX accounts but no longer do, or are paid in full. My only connection with XXXX XXXX XXXX is through a company they own, XXXX XXXX, but I am paid in full. I am fed up with receiving these calls and I want them to stop! I suspect that Credence Resource Management thinks my phone number belongs to someone else, but I've had this landline for about 12 years. You would think that a collection company would at least call the correct number, or be more professional and leave a message instead of harassing people with hangup calls. This, to me, is bad and possibly illegal practice. Anything you can do to stop this harassment would be greatly appreciated.
10/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33614	Web
I received a letter at the end of XX/XX/XXXX from a debt collection agency informing me that I owed {$1300.00} for infusion services provided by XXXX XXXX XXXX. For several years they had provided the infusion of my XXXX XXXX XXXX. The medication was provided by the manufacturer 's assistance program and medicare. I paid the remaining balance when billed monthly for the nurse/infusion. I stopped using them about a year ago and went to another provider. I never received any more bills or any indication that I owed other amounts until the collection agency sent me this bill. The noted services that I alledgedly owe for have different account numbers on each charge and there is no date of service listed. I attempted to call XXXX and talk to someone and they continually hung up on me and then told me they were transferring me to someone else. Finally after multiple phone calls they said they could not talk to me because it was in collections. As you will see on the attached letter from Credence, they offerred me the chance to settle this claim for {$1000.00} which I feel is attempted extortion. I replied with the attached letter and sent it by certified mail on XX/XX/XXXX. I feel that I do not owe this money and believe it is some sort of scam to scare me by threatening my XXXXedit score.
01/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web
This is my fourth time making a request about the same debt. I was a victim of ID theft. Upon checking my credit. I realized for the 4th time. XXXX XXXX XXXX has sent an account to collections in my name. I just turned XXXX and I have already had to deal with XXXX other collections companies about this very same debt. Each time, the collection has been removed. From what I can tell this account was opened when I was XXXX and not yet had begun to use or even know anything about credit. I expect this information to removed immediately from my credit file. It appears that XXXX XXXX XXXX continues to sell or send this account to multi collections companies because I have been hindered and demised I plan to file suit XX/XX/2020. This account is not mine. I stated it over an over again but this has been such a hindrance I can no longer continue to go about it resolving it in this manner. For the record. I have never had any contact or communications with Credence Resource Management. Not by mail, or telephone fax or any form of communication. The item just out of nowhere appeared on my credit profile. with a note in the Activity Field " XXXX XXXX '' Again, This item doesn't not belong to me. Because of the hassle. I will file suit this month and will include and party involve in this claim.
12/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34787	Web
My complaint is regarding a company known as Credence Resource Management. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit files. This is not my account and i want it removed from my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credit files permanently. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 767XX	Web
I have been using XXXX XXXX XXXX for many years for my wireless service and internet in the past at previous home. I was recently trying to add internet service to a new apartment I will be moving into soon. XXXX XXXX XXXX told me I couldnt get that service because there is an unpaid balance of {$400.00} for a XXXX XXXX XXXX XXXX tv bundle that Ive never had. After speaking to multiple representatives, I discovered that someone created an account in their name but under my social security number and they did give me that account number. Because they have an unpaid balance that has now went to collections, Im taking a hit on my credit because they used my social security number without my knowledge or permission. I have spoken to XXXX XXXX XXXX fraud department and they told me its not considered fraud since its my social security number even though I did not give permission for this person to use it nor did I know until I tried to add a service and couldnt. XXXX XXXX XXXX has continually transferred me to numbers that do not work and refuse to help me or remove the {$400.00} from my name and Im concerned with what else this person could do with my social number. XXXX XXXX XXXX has told me they cant do anything since its already in collections and that account has now been closed.
01/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 641XX	Web
I had phone service with XXXX years and years ago. I worked at a company that I did not get service with for the whole time I was there. I wrote to them and advised them that they were not filling their part of the agreement/contract and if I could not get service at my job. I had XXXX other accounts in which I tried to utilize at the job and to my avail they did not have signal either. At that time my contract with XXXX became null and void. I advised that I could have a family emergency or anything that could transpire while I was away from my family and could not be contacted on any of the phones I tried there at the office. XXXX agreed to discontinue my contract with any fees included to be removed considering I had been a previous customer for about 7 years. It was n't a personal decision they could just satisfy my need. They have since taken off the fees and what was owed added them back taken them off and then added them back again. When they add information back to my credit report it is always in a different amount. It went from {$780.00} to {$640.00} and now {$390.00} has been added back to my credit report. I do n't understand how they agreed to have any charges credited from back in 2011 and now every time I lookup there is a different amount being added to my credit.
03/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30122	Web
I received an alert from XXXX about a collection acount. I never received any notification from the collection agency that the account was assigned to them or that it was being reported. XXXX XXXX XXXX never sent me anything to advise that I was being referred to a collection agency. I never received any correspondence from XXXX XXXX XXXX or from the collection agency. I just saw this account listed on my XXXX credit report without any opportunity to pay the account before it went into collections. The balance is only XXXX from a final bill that I never received and the other XXXX is from equipment that is in my storage unit. My unit that I was living in was sold and I had to suddenly move. I had mail forwarded and there was no correspondence from anyone about this account. I lost my job and couldn't make the final bill payment and spoke with XXXX XXXX XXXX and advised them of this but they never indicated the account was being sent to a collection agency. I have the equipment and advised XXXX XXXX XXXX that I am returning it via XXXX. I spoke with a rep from the collection agency and advised them that I was only going to pay the original creditor and the represetative stated that I had to pay them and that even if I paid, they would not remove the account from my credit.
01/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20770	Web
XX/XX/XXXX and everyday since this day I am receiving calls from Credence Resource Management in Michigan about an debt that didn't belong to me that has already been disputed with another collection company back in XX/XX/XXXX for the same creditor ( XXXX ) for {$5300.00} I informed them that this debt was due to identity theft and I thought this was resolved back in XXXX XXXX XXXX. I also informed them that I had a complaint filed with CFBP for this creditor with another company and it was resolved. they for one are calling me on a sunday which i believe they have no right to do also they informed me that they will not be filing a dispute on my behalf and that i can settle for XXXX and pay them XXXX a month until this is paid. I am a victim of identity theft and I will not be paying for any debt that doesn't belong to me. I also asked them to provide documentation to show proof of my signature they weren't willing to do that. I have already filed a complaint about this debt and I will need to get this cleared up immediately. I informed Credence Resource Management that I was going to file a complaint against them form consistent calling and not willing to file a dispute on my behalf. XXXX was the supervisor that I spoke to on several occasions about this debt.
12/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 710XX	Web
On XX/XX/2021 I received an alert that I had a collection on my XXXX credit report ( XXXX point drop ). This was a surprise to me, I don't owe anything outstanding, nor have I received any correspondence from anyone stating that I do. The collection was from Credence Resource Management, stating that I allegedly owe {$690.00} to XXXX XXXX. I'm not a XXXX nor am I strapped for cash. I am also very Credit conscious, as noted by my score and payment history. The biggest surprise was that this was placed on my credit report, never receiving any communication from XXXX or Credence. According to the FDCPA, as well as the FCRA, my consumer rights protect me from unfair and illegal collection and reporting practices. Now my rights have been stripped. An account like this appeared on my report last year, I called XXXX, they had no record of a balance and the account was disputed and removed for being non-valid. To make matters worse, I have not had an account with XXXX for almost five years, now this company has filed this alleged collection as new resulting in a larger drop in my credit score. This is a bullying tactic and unfair trade practices not done in good faith. I want my credit restored, and my rights back to resolve this matter within the scope of the law.
11/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY XXXXX	Web
I was contacted by the company credence RM regarding an XXXX account that we had a balance for coat of phones themselves and had switched providers. We agreed to a settlement amount that was taken from our bank account in XXXX of 2020. This was set up in two separate payment we received receipts and was with XXXX mobile. We did not dispute account or amount. After a few months now in XXXX of 2020 we received a new debt notification from the same company in a phone call wanting to collect for " XXXX wire '' I explained this was already paid and this was no longer an active debt. She said this was for a landline phone in which we have never had. I asked for a validation of debt letter and she said we needed to pay and they never got payment from us on anything. She would not listen to my request asking for proof. She would only respond with if you paid give me the receipt and account number after I did she said no that was a cell phone account this is a wire account which I believe is just wireless cut off. They have refused to dispute or to acknowledge payment of a previous account multiple times and will not send us proof of the debt before we pay. We were in the process of purchasing a home and now have a debt on credit that I can get no information on.
05/25/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95377	Web	Older American
I had internet and TV service with XXXX with a 24 month contract due to expire around XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX to terminate the contract early and was informed that I could but would be charged a termination fee of {$10.00} per month for the remaining months for a total of {$70.00}. I paid the {$70.00} for the TV service and the amount due for the internet in XX/XX/XXXX. I received no further response from them. My internet account was canceled when I ended the internet service that was only on an already expired 12 month contract. Around XX/XX/XXXX an account notification dated XX/XX/XXXX from Credence to collect a debt in the amount of {$230.00} stating that XXXX had placed that amount with them for collection. I responded by letter dated XX/XX/XXXX disputing the debt and requested documents verifying the debt attaching a copy of the bill I received from XXXX on XX/XX/XXXX. Credence refused to send any documentation explaining the charges, instead responded that they investigated the dispute and verified that the charges to my account were valid. They reported the debt to the credit reporting agencies on or about XX/XX/XXXX and refuse to remove it. If I receive explanation showing the the charges were correct, I have no problem paying.
12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 453XX	Web	Older American, Servicemember
We ( XXXX & XXXX XXXX ) have had service from XXXX for over six years. In XXXX, XXXX XXXX XXXX bought out XXXX, and we continued service with them. In XXXX, we decided to change service to XXXX, notifying XXXX XXXX XXXX that we were doing so.The contract states that a termination fee is assessed if service is discontinued in less than one year. XXXX XXXX XXXX sent us a bill for XXXX noting termination fee. We responded with a note indicating this was not a valid invoice, because we had their service for more than six years, and it did not apply. XXXX XXXX XXXX responded by turning the bill over to a collection agency, Credence Resource Management. To avoid any further harrassment or possible intimidation, we relented and paid the XXXX, and wanted to forget the whole thing. Credence responded to this by sending another bill for XXXX and an additional bill for XXXX, with no explanation. Since then we noted that the original check to XXXX has been processed by our bank, but we beleive that XXXX XXXX XXXX is fraudulently engaging in this similar activity with any of their customers who decide to discontinue service.We are also notifying our OHIO attorney general of this activity, and we are going to pay the additional XXXX to avoid any further harrassment.i
04/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35405	Web
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
03/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75024	Web
I am in need of help by the CFPB to resolve this matter as I believe my voice as a consumer is not big enough to resolve this matter even though I have tried lengthy processes to get this resolved since XXXX. XXXX XXXX placed a {$280.00} collection on my credit report for an address I have NEVER lived at. This internet/tv account was fraudulently opened. Moreover, it is now XXXX and is past the statute of limitations. That aside, this account is fraudulent and was not opened by me. I have attached an FTC fraud report as well as the police report number is noted. I also was a victim of the XXXX data breach as well as the XXXX data breach. Additionally, I was informed by the IRS that my SSN may have fraudulently used to pursue employment. I am a victim of ID Theft and I have filed multiple complaints to remove this but to no avail. I have filed a case number with the XXXX XXXX portal : Report Key : XXXX I have spoken with Credence Resource Management ( XXXX ) who is currently reporting this collection on my credit report. And they were unable to remove this despite them aknowledging the fact that I firmly am disputing this as fraudulent. Moreover, I am a resident of XXXX and XXXX I have never lived in XXXX where this account was fraudulently opened.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CT XXXXX	Web
I have had many issues with XXXX and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to XXXX has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my XXXX credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is Credence Resource Management for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with XXXX due to their constant credit profile roadblock tactics.
07/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78660	Web	Older American
In XXXX, I received an invoice from the XXXX XXXX XXXX XXXX in the amount of {$590.00} for cable TV services provided. Because I have not requested such a service, I called the company to find out what was due to that charge and I was told that I could not make the claim by phone, that I should go to an agency. I did so and I was given several invoices at the Agency in which I could notice that the person requesting the service used my name " XXXX XXXX '' with address in XXXX XXXX XXXX XXXX XXXX XXXX. On the above, I would like to clarify the following. Since I arrived in XXXX, I purchased a telephone line with XXXX XXXX XXXX personally but then charged the account of my daughter XXXX XXXX, who is in charge of the payment. I do not fail to say that I do not use any other XXXX XXXX XXXX service for three reasons : the first because I do not have the economic capacity to pay for cable television, second because the Mobile Homes residential where I live requires XXXX services and they do not allow one to use the services of other companies and third, I have XXXX years of residing in XXXX, Texas, I do not Therefore, I request to investigate who was the person who requested such a service using a name equal to mine and to clean my name to those who apply.
12/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 00610	Web
The company CREDENCE RESOURCE MANAGE with address XXXX XXXX XXXX, XXXX, MI XXXX USA placed in my credit report a collection for a XXXX on XX/XX/2019, but it appeared in my XXXX account on XX/XX/2019. I tried to find Credence Resource Management Website to write them by email but apparently they don't have one. On XX/XX/2019, I contacted Credence Resource at phone number XXXX and spoke with XXXX XXXX. I gave my name, address, phone number and last 4 digits of muy SS number to validate my identity but he requested my full SS number. I told the customer representative to validate my information and identity with the information I gave him but, he continued asking for my full SS number which I refused. I contacted XXXX XXXX at XXXX and spoke with XXXX XXXX to verify if I have a due balance with the company and upon verification, he notifies me that my balance as of today XX/XX/2019, is XXXX. Also, I asked XXXX XXXX from XXXX XXXX if his company has also the name XXXX XXXX which he responded that their name is only XXXX. Searching the Web for Credence Resource Management at forums I found that Credence Report Management is a scam company using the tactic of money collection. There are many complaints about this fake company calling for debt collection.
11/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 394XX	Web	Servicemember
Today, I received a notification that a new collection had been added to my credit report. I have just had this collection removed from my credit report under a different company, XXXX XXXX XXXX ( Complaint # XXXX ), and before that from another company, XXXX XXXX XXXX XXXX XXXX ( Complaint # XXXX )! Both of the complaints resulted in a deletion, and I have attached the documentation from the company verifying these deletions. Now, it is showing back up under Credence Resource Management, even though each time companies report it, they can not verify the information. I will be including Credence Resource Management in this complaint and a separate one for a debt collection violation. As for the current situation, 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), requires the companies that furnish the data to verify the debt when it is reinserted, which did not happen in either of the previous cases. Likewise, 611 ( 5 ) ( B ) ( ii ) - ( iii ) require the credit reporting agency provide a notice letting me, the consumer, know of this reinsertion. Two other companies have provided letters deleting the debt due to the inability to validate. However, this did not occur in the previous case, and likely is not going to occur now.
12/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75240	Web
XXXX XXXX XXXX continues to sale a collections account in the amount of {$2400.00} that does not belong to me To date, they have sold a passed my information to 5 companies. I am not the owner of this account. I do not have nor have I ever had an account with XXXX XXXX XXXX or its affiliates. Each time I dispute this matter, months later it reoccurs as a problem. On XX/XX/XXXX I will follow suit. This issue has taken up a lot of my time and energy and I refuse to suffer from this matter and further. Currently, the company reporting this inaccurate, false, denominational information to my credit is a company called Credence Resource Management. This information was reported to my credit account on XX/XX/2020. Each time the account is removed only to resurface 5 to 6 months later. I have never received any collection documents, phone calls or any form of communication from XXXX XXXX XXXX or its affiliates other than the account being placed on my credit. I would like this information published immediately so that the people whom are suffering from the false and inaccurate and negative information these companies are allowed to publish on their personal credit. I will use whatever resources available to me via the allow to pursue this issue.
05/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 705XX	Web
Credence Resource Management is trying to collect a debt " on behalf '' of XXXX XXXX from me. This alleged debt is over five years old, so it doesn't look familiar to me. I am not claiming that this alleged debt is fraud or identity theft. I informed Credence Resource Management that I will pay the debt if it is rightfully mine and to validate the debt by sending me the original contract between me and XXXX XXXX with my original signature on it. I also asked that Credence Resource Management confirm that they have legal right to collect on this alleged debt. Credence Resource Management has not sent any documentation with my signature on it nor have they sent me proof that they have legal right to collect on this alleged debt. I have requested this information from Credence Resource Management on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have not validated this debt. I have also requested that this alleged debt be validated by XXXX and XXXX twice. I was told by XXXX that the collection agency does not have to provide any information to them and all that is required by the collection agency is their signature stating that what they are reporting is accurate and true. This debt has not been properly validated.
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 78209	Web
On XX/XX/2020, I received a collection letter from Credence Resource Management , LLC. After requesting a validation of debt on XX/XX/2020, they provided me with an account summary in a letter dated XX/XX/XXXX. I responded in writing, dated XX/XX/2020 and indicated that this was not an acknowledgement nor acceptance or ownership of this debt nor any promise to pay. They responded via email dated XX/XX/XXXX and replied they were in receipt and marked my account as dispute. On XX/XX/2020 they emailed me a response indicating the charges on my account were valid. On XX/XX/XXXX, Credence Resource Management , LLC added a derogatory mark on my XXXX Credit Report. Please note that this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection and there was no written form of communication, nor did they furnish a contract ( signed ) or signature for this accused debt. A bill without a signature does not validate the debt and any individual can send a bill indicating I have ownership. According to the FCRA, Credence Resource Management , LLC has violated my rights as a consumer and I'm requesting legal action to resolve this by removing this errant account immediately.
05/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ME 041XX	Web
Caller would not identify where they were from. I asked several times and told the gentleman that if he would not identify where or what he was calling about, I would not speak with him. He finally said that he was calling to collect a debt from XXXX XXXX XXXX. I asked him to send me a bill and that I would take care of it. He said that he had sent one in XXXX and continued to tell me that since I was on the phone I should pay him now. The beginning of the call was uncomfortable to begin with. I do not trust giving someone that refused to identify himself in the beginning any money over the phone. We went back and forth several times and I was cordial and firm asking him to please send a bill so I could take care of it. He threatened to add it to my credit report. I am not denying that I owe a debt, I just asked the gentleman, if he is with XXXX XXXX XXXX, to send me a bill and I would pay it. I take responsibility, but I do not feel like I deserve to be threatened and harrassed. Unfortunately, I was diagnosed with XXXX XXXX in XXXX and was in the midst of an XXXX XXXX regimen that lasted until this month. That is no excuse, but this debt obviously slipped through the cracks. I just don't believe that I deserve to be treated this way.
07/24/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34205	Web
On XX/XX/2021, I entered into a settlement agreement with Credence to settle an XXXX XXXX XXXX XXXX debt by 50 %. The agreement consisted of 6 monthly payments of {$210.00} to auto draft. After 5 consecutive payments, the 6th was scheduled to draft on XX/XX/2021. After contacting Credence, speaking with XXXX, a manager with them, he advised me that yes we had an agreement and that I have fulfilled the agreement as promise, however he could not take my final payment and XXXX the account as settled in full, due to them not handling my account any longer. This company entered into a written and verbal agreement to settle the debt but then lied to me about settling the debt in full. Upon asking for a refund on the payments they kept, they instructed me to call XXXX XXXX XXXX even though my payments were made to them. After calling XXXX XXXX XXXX, they ensured me that they were not aware of any arrangements made on their behalf by Credence and could not assist me, only if I would pay the debt in full. No settlements would be offered by XXXX XXXX XXXX. Credence took advantage of me by promising an early settlement but could not honor it and kept the payments I had paid them and/or any income paid from other sources, such as XXXX XXXX XXXX.
10/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
I signed up for XXXX in XX/XX/XXXX. I decided to cancel in XX/XX/XXXX. After I cancelled I began to receive demands from XXXX to pay a {$190.00} early cancellation fee. I never agreed to any commitment at all! I was with XXXX for 11 years! What more commitment do they want? I called customer service and was on the phone for almost an hour trying to get this resolved. Unfortunately, the representatives they use are overseas and not very helpful. They told me that I had agreed to a 2 year deal to get a discount, and they couldn't help me. I NEVER agreed verbally or in writing. I asked them to provide me with a phone recording or my signature. They could not do either. Finally, they suggested that I send an email to customer service. I did that. About a week later, I got a response telling me to call!!! So on the phone they tell me to email, and on the email they tell me to call. I then went in to an XXXX store for help. The manager said he would take care of it, and apparently never did. Now I just found out that XXXX put a derogatory entry in my credit report! This is OUTRAGEOUS! I have no idea who to speak with. Everybody that answers the phone there is another country that can not help. Nobody gives any answers via email.
09/15/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48336	Web
XXXX XXXX issued a credit collection to Credence Resource Management for {$290.00}. I never received any communication from either company, so as soon as it was reported on my credit report I contacted them and paid the balance of {$290.00} on XX/XX/2020 and was informed they would close this account. They never reported my payment of {$290.00} and issued an even higher balance of {$340.00} without ever receiving any communication again. I contacted Credence Resource Management and was informed by someone named XXXX and XXXX that I was lying about my payment being posted. Asked me to get my bank on the phone to confirm, and once I got my bank on the phone they back tracked and asked me to hang up and that they would transfer me to another supervisor. The next supervisor XXXX XXXX informed me that they did have the payment but that XXXX issued another collection and that I still have a balance. Again they never reported me paying anything to them. They are stating I have paid 0 % of my balance to credit agencies with is false. They took my money and accused me of lying about making my payment. They were not able to verify any information related to the amounts and are falsifying reporting amounts and dates related to this account.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30012	Web	Servicemember
With XXXX I have issued a letter of receipt for Credence acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. XXXX confirmation # XXXX & credence # XXXX
09/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 019XX	Web
I had XXXX for year. I swtiched to XXXX briefly my line and my 4 childrens due to a promotion for buy one phone get one free. The new phones kept getting cancelled due to a backorder. In addition, XXXX stated it would be an easy switch but it was not and my current lines were not working correctly. I called XXXX and requested to cancel all orders. I returned the one phone they did send, which they confirmed receipt and credited my account. I spoke w several reps to close the account due to the 2nd phone not arriving and awful service. They " Guaranteed '' me it was cancelled. Somehow, I kept getting a bill and FOR THE PHONE THEY CANCELLED the full charge for the phone they KNEW THEY CANCELLED. Now the debt, which I Vehemently dispute, keeps going to collection agency after collection agency. WORST PHONE COMPANY EVER. Please make them stop. They are full of empty promises and false charges! We canceled some or all of your order XXXX. Here 's what was canceled and why : Item Image XXXX 's XXXX XXXX XXXX Plus - 64GB - PRODUCT RED XXXX Quantity Ordered : 1 Quantity Canceled : 1 Reason : This item flew off our shelves and isn't available anymore. Let 's try this again. Shop online now or visit a store to find what you want.
03/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34741	Web
On XXXX XXXX, one of the representatives of Credence Resource Management , LLC called me regarding my delinquent account with XXXX XXXX XXXX. I made a payment plan to pay my account in 3 payments. The representative suggested that I make an earlier payment. I told him I lost my job and that this is the best I can do right now. He agreed to my payment plan and noted it in my account. I did not give my bank account details or approved an auto debit from my bank account. I specifically told the rep that if I am able to pay ahead I will call Credence. I did not make any call after the first time I spoke with Credence. I found out today that my account was debited an amount higher than what I said I will pay. I did not authorize Credence to auto debit my account for that amount. I did not even provide my bank account details, which makes me wonder how they got it in the first place. I called Credence again and the rep said they will refund the full amount debited but that it will take them 15 days to do so. I still think it was wrong practice for them to just go ahead and debit my account for an amount that I did not agree to. I emailed a dispute to the company and informed them that I am sending a complaint to CFPB.
10/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 024XX	Web	Older American
When I examined my credit report I learned that Credence Resource Management had submitted information that I owed a debt of {$260.00}. I called XXXX credit Bureau to get more information. They gave me the name of the company and the phone number. I called Credence Resource Management to dispute the bill which indicated that an XXXX XXXX XXXX mobile account had been opened in South Carolina. I explained that I had never lived in South Carolina. They promised to send me a kit to help me clear up the discrepancies. I have not received the kit. This was ten days ago. Meanwhile, I submitted documentation to XXXX to show my real address for the past three decades. XXXX removed the bogus address from my credit report. I called XXXX XXXX XXXX and they opened a fraud investigation case on the complaint. However, the charge still remains on my credit file. My credit report also showed that someone was attempting to apply for credit cards using my information. This led me to conclude that I have been the victim of identity theft. I froze my credit reports on all three credit bureau sites and contacted the credit card companies to let them know that I had not changed my address and that I had not applied for any credit cards.
06/06/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CO 805XX	Web
In XX/XX/2017, I called Credence Resource management ( XXXX ) to ask them to change the amount that was being automatically debited from my checking account for a medical debt that I owed. They had been withdrawing {$200.00} per month until the debt was paid. When I spoke with them, they told me there was good news, that the debt was already paid in full and in fact, they had taken out two months payment over what I owed so they owed me a refund of {$400.00}. They told me they would be sending me a check with the refund shortly. I never received it. I have spoken with them 7 times now, as of 6 months later and still, after various excuses about why I have not gotten the check, they still promise to send it. They have records of all the times I have called about this. They admit to owing me this money. I have no idea why they continued to take money from my account after my debt was paid in full, and I am sure they planned to continue this as long as I allowed it to go on. I told them the last time I spoke with them that I will be going to higher resources to get my money back. They promised me a check coming expedited delivery by Wednesday, XX/XX/XXXX, and nothing. I need help getting this refund to me. Thank you.
12/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 613XX	Web
I was in a Contract with XXXX when i decided to take XXXX offer to buyout my contract. I gave XXXX my XXXX phone and received my new XXXX activated phone. I followed the directions of paying my last bill. After paying my last bill i was to bring in a bill to XXXX of how much I owed to XXXX for the phone ( {$540.00} ), which i did bring in this bill. After i brought the bill in the bill and other paperwork was immediately faxed to a XXXX agency responsible for paying that bill. Two and a half months have went by and I start to get calls and and a letter from " Credence XXXX. '' I went in and talked to XXXX and they said that the company responsible for paying XXXX bill had, for no reason stated, not done any further action towards paying thus bill. XXXX employees stated that their company responsible for paying my contract switch bill would send me a credit card in the mail to pay it with, i have not received any such mail from XXXX or their company regarding this issue. I gave them my phone which is the reason for the bill i do not have the XXXX phone anymore. I tried contacting the Credence company and they insist that I immediately pay the bill that I should n't owe. I 've read that Credence is a Scam company.
12/28/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70058	Web	Older American
I received an email alert from my XXXX XXXX XXXX, to review my credit information. A company by the name of Credence Resource Management, had, unbeknown to me, entered a disputed XXXX XXXX XXXXy bill into my credit reports, as a NEW ACCOUNT, and has repeatedly sent new open dates, four ( 4 ) times, since XX/XX/XXXX. The open dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, thus far. These entries are listed as major discrepancies on my credit files. I have not conducted any business with this company nor received any correspondence from them. I had no prior knowledge of this collection filing. I mailed them a letter on XX/XX/XXXX, requesting verification of debt from original creditor, date original account was opened and closed, account summary, and copies of any correspondence they allegedly mailed to me regarding this debt. A letter was sent to Credence Resource Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, but was returned as undeliverable. A copy was sent to Credence Resource ManagemenXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX. I have not received any anything from them as of yet. This is a devastating negative impact to my credit rating and has caused me great XXXX and XXXX XXXX
01/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30906	Web
On XX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as names on the bill that is not mine. I provided a copy of my written contract and details of their errors and received a response from XXXX XXXX in writing on XX/XX/XXXX clearly stating that everything is correct. They did n't fix anything and instead stated that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract or correct the billing errors, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract or correcting the bill and I immediate cancelled prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with Credence. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you
08/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90045	Web
On XX/XX/2018, I was notified by XXXX that a new collection was added to my credit profile by Credence Resource Management. I had no prior knowledge of this company nor had they made any attempt to contact me via phone and or mail prior to reporting this debt to XXXX. As a result of this fraudulent collection being placed on my credit profile, my credit score was decreased by over 15 points. After being made aware of this unfortunate circumstance, I placed a call to the company to inquire about the debt and why no prior contact had been made. I requested that verifiable documents proving that I am indeed the owner of this debt be sent to me immediately and requested if that was not possible for the debt to be removed. I also followed up my conversation with a letter stating what was discussed during the phone call, which was mailed to the company on XX/XX/2018. On XX/XX/2018, I received a letter from Credence offering a 50 % reduction from the original balance they reported to my credit profile. This letter was sent without any validation of debt, which I request and which is illegal. I'am requested assistance with having this debt removed from my credit profile with XXXX and all other credit bureaus.
02/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14424	Web
Credence Resource Management LLC contacted me via mail on XX/XX/XXXX with an Account Notification on behalf of XXXX XXXX XXXX XXXX ( creditor ). They stated the creditor authorized their office to accept a payment of {$200.00} to resolve an account for less than the full amount owed, savings of {$240.00}. I contacted Credence via phone on XX/XX/XXXX stating that this outstanding amount is not my responsibility. From XXXX to XXXX I worked for XXXX XXXX that was the primary account owner of the XXXX XXXX XXXX mobile corporate account for all employees. My existing cell phone number was ported into this corporate account which then was billed to the company address and paid monthly by the company, which additionally purchased and owned the devices. I was terminated from the company in spring of XXXX, the company sold the entire business two weeks later. I to get the company owners to authorize XXXX XXXX XXXX to port my number back to XXXX which was a new personal account for me in spring XXXX after leaving XXXX XXXX. The device was returned to the company after they authorize the port of my cell number. I was never responsible for any financial responsibility on this account. The company no longer exist.
12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32258	Web	Older American, Servicemember
XXXX continues to state that I opened an account with XXXX XXXX XXXX in XX/XX/2022. I hav n't opened any account with them. Credence Resource Managment has stated that I own {$130.00} to XXXX XXXX XXXX placing this on my XXXX report. I have disputed this statement twice that I know of. The first time it was filed by a different company. This time I filed a complaint with Credence Resource Managment. In the past, I have asked the first company to supply the original documents/contract for services and notified them that I did not start the account on XX/XX/2022. To date no documents or correspondence has been provided pertaining to this XXXX & XXXX account. I didn't open this account and I am not aware of anyone who has. Nor have I given permission and authorized anyone to start an account with XXXX XXXX XXXX. Also, the account states that it is closed. But has the open balance of {$130.00}. This appears to be unfair practice by XXXX XXXX XXXX to collect monies from me that I do not owe by posting them on my credit reports. It is on XXXX, XXXX and XXXX. Are you able to contact Credence and demand the contract, original creditor and/or the signed contract stating the services that are believed to be due?
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 19446	Web
I am filing this complaint in reference to XXXX XXXX XXXX XXXX. I signed a month to month contract with XXXX XXXX XXXX on XX/XX/2021. I called XXXX XXXX XXXX customer service department in XXXX of 2021 to cancel my services because I am out of work and I have no income coming in. I could not afford the payments anymore. I had spoken to numerous customer service representatives in the customer service department. My request was ignored and XXXX XXXX XXXX continued to bill me. XXXX XXXX XXXX customer service kept pushing more services on me, when I told them my situation and I do not know what they did not understand. When XXXX XXXX XXXX shut me off, I do not recall the date ; they did not completely shut me off and continued to bill me. I have a bill of {$670.00}. This is unacceptable when I requested for my account to be closed. This is poor business practices and customer service. Now, XXXX XXXX XXXX sent my information to a collection agency by the name of Credence Resource Management LLC. They harass me with phone calls and letters. XXXX XXXX XXXX is trying to ruin my credit and they better remove it from my credit report. I really hope someone can intervene and help me out with this situation.
08/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 67212	Web
On XX/XX/XXXX, I sent a letter to Credence Resource Management requesting validation, not verification of a debt they claimed I owe. In this letter I requested that they send me a list of items to validate this debt in reference to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 { b }. I received quite a bit of letters from Credence Resource Management stating that they validated the debt as accurate ; however, they failed to provide me with the proper documentation to support this accuracy, but instead they continued to send me an itemized statement of a bill. This however does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In response to these letters I sent another letter to Credence Resource Management certified on XX/XX/XXXX requesting that they remove this inaccuracy of this debt from my credit report due to the FCRA act stating that they are not allowed to report inaccurate information on my credit report. I have warned them of taking legal actions against them if they can not comply to these regulations. As of XX/XX/XXXX, I have not seen any deletion of this debt and they continue to report the credit bureaus of this unverified debt.
02/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39501	Web
CREDITOR ACCT SEE ATTACHED LETTER CREDENCE SEE ATTACHED LETTER SUPERVISOR XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX AND TO WHOM IT MAY CONCERN 1. XXXX XXXX XXXX NEVER INSTALLED XXXX 2. NO XXXX XXXX XXXX EMPLOYEE OR SUB AGENT NEVER CAME TO MY PROPERTY TO INSTALL ANY XXXX XXXX XXXX TECHNOLOGY I CHALLENGE XXXX XXXX XXXX TO SHOW PROOF THAT XXXX XXXX XXXX OR SUB AGENT REPRESENTING XXXX XXXX XXXX EVER CAME TO MY PROPERTY AND INSTALLED THE XXXX TECHNOLOGY. AS THIS DID NOT HAPPEN THIS IS A FRAUDALENT BILLING AND DEBT COLLECTION THESE ARE FACT BASED STATEMENTS, HOW COULD THERE POSSIBLY BE A DEBT FOR ANY AMOUNT MUCH LESS {$600.00} WHEN NO PARTY REPRESENTING XXXX XXXX XXXX INSTALLED ANY SERVICE FOR XXXX XXXX XXXX TO BILL ME ANY AMOUNT OF MONEY? I AM REQUIRING XXXX XXXX XXXX & CREDENCE TO IMMEDIATELY RESPOND AND CLEAR THIS MATTER UP AND PROVIDE ME IN WRITING THIS IS A XXXX BALANCE. THERE IS NO OTHER OPTION TO RESOLVE XXXX XXXX XXXX BILLING ERROR, ONCE AGAIN BY XXXX XXXX XXXX - TYPICAL XXXX XXXX XXXX IF XXXX XXXX XXXX OR CREDENCE FILES AN ERRONEOUS DEBT ON MY CREDIT I FILE, I WILL PURSUE THIS LEGALLY. I FULLY EXPECT AN IMMEDIATE RESPONSE IN WRITING CLEARING ME OF THIS HORRIBLE ERROR BY XXXX XXXX XXXX UP.
09/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32773	Web
I had XXXX and cancelled it. Returned the equipment, ( of which I no longer have proof. It was right before COVID and I moved. ) but I may not have paid the last bill, I don't remember. Regardless, I started getting frequent calls from - Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Office Hours : Monday to Friday XXXX XXXX EST To XXXX XXXX PST and Saturday XXXX XXXX EST To XXXX XXXX Toll free # XXXX around XXXX. I talked to them one of the times, and they said I owed {$1100.00}. I explained that I had sent the equipment back and I no longer had the service. I explained that I may have owed a month but I returned the equipment so why was it so much. He said that the bulk of the bill was not the equipment, but the bill itself. I asked him what company would let you keep your service long enough to accumulate that much debt for internet/cable? I then gave him my email and asked him for and itemized bill that shows how the debt became that much. He told me it would take 3 days. I got the email and viewed the documents. It was two consecutive bills that did not show how the big debt accrued but it was just added on from a previous bill. No itemized reason for the debt.
11/05/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 63376	Web
Credence has been calling me in regards to my XXXX XXXX XXXX account that is past due. In addition to calling my number about this account ( my voicemail identifies this number as my correct number ) they are also calling my XXXX XXXX XXXX child and my live in boyfriend. They have called their numbers daily- when they should only be calling me about this debt. XXXX XXXX XXXX also should have provided my number as the primary number- knowing that this was my account and this was my number. why they are calling my childs number is extremely frustrating since she is XXXX XXXX XXXX. My boyfriend has no association with my bills and just moved into my home- how they got his number is questionable but the fact they called it when they have a known number for me is harassment. His number has no associated with me AT ALL- if they are skip tracing to find this information that means they are knowingly calling a number thats not me to contact me or showcase to others that I have an outstanding debt. That is disclosing my debts to others and Im not happy at all. Ill handle my debt when Im ready and they shouldnt be harassing every member of my family with daily calls, especially when they have my number.
07/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web	Servicemember
I ordered phones through XXXX XXXX XXXX. They sent me out an extra phone which was never activated nor opened. They even created a new account under my name for the said account. I attempted to call to rectify the situation with a call center representative, but the representative claimed that they couldn't see the account at which time I was transferred to a manager. Upon talking to the manager I was told that I shouldn't have been charged and that the account would be closed and all charges canceled. I looked at my credit report and the debt has been transferred to a debt collector. This collection has caused some creditors to lower my credit limit and impacted me negatively. If this account isn't removed promptly I do intend on seeking legal action and recovery against XXXX XXXX XXXX and the collection agency reporting the account on my credit profile. As this account is fraudulent and I never authorized a new account to be opened in my name this account and balance was supposed to be null and void. XXXX XXXX XXXX received the phone prior to XXXX XXXX, XXXX. I called to verify and was told it would be handled immediately. I contacted the debt collection agency and they have taken no action.
05/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	RI 02893	Web
The company called me several times they first off want you to just verify your address do n't tell you who they are which is a little scary secondly after finding out who they where collecting for and finding out I settled that debt with another collector on XXXX XXXX paying the settlement agreement amount of XXXX an finding out that they had all of this clearly documented in there system from the previous collector an that they still would n't stop contacting an Harrassing me with phone calls and now receiving mail I contacted XXXX which was company they were collecting for an they Said sold them the account and I was told that they did not resell them the account that they should close out the account if they have documention from the previous collector that I paid so I called back I spoke to a XXXX whom spoke over me whom advised I need to send in bank statement to show I paid which I 'm not comfortable doing as they have all of the information I paid an with fraud going around I do n't want my bank info being sent. The debt is off my credit report because I paid the settled agreed amount I just want the phone calls and letters from this company to stop they should n't have my information.
12/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DE 198XX	Web
On or around XX/XX/2022 i received a call ( on my home phone XXXX ) from Credence Resource Management in an effort to collect a debt on behalf of XXXX XXXX XXXX XXXX ( {$1400.00} ). I informed the representative that i have never had nor do i have an account with XXXX XXXX XXXX and that the address they provided is one at which i have never ( nor has anyone in my household ) lived. I said this was an obvious case of Fraud, at which time the collector stated they would mark the case as Fraudulent. On XX/XX/XXXX I got an update through a Credit Monitoring service through XXXX that i have a Collection account that is impacting my Credit score ( XXXX when i reviewed with XXXX ). Credence Resource Management, despite my reporting this as fraudulent, proceeded to report this as my debt, and, place an unlawful collection account on my file which is hurting my credit score. XXXX XXXX XXXX is at fault for ever having opened the fraudulent account because they failed in their due diligence/Know Your Customer protocols in establishing the account. Credence Resource ManagemenXXXX failed in their duty to escalate the Fraud and then proceded to make matters worse by establishing a collection account.
01/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92879	Web
I received a notice from XXXX XXXX dated XXXX/XXXX/XXXX staring that I have an outstanding debt of {$490.00} XXXX XXXX id XXXX and the account is currently in collections. I contacted XXXX XXXX XXXX to find out what these charges were in regard too and the representative could not even locate this amount and stated that my bill is up to date and current and my next bill is not even due for another week. He could not explain the charges for {$490.00}. I have nothing but billing errors with this company since I signed up with XXXX in XXXX XXXX. I feel like XXXX is creating erroneous charges to try to make more money as I have had other billing disputes that they have been unable to explain but I paid the amounts in question for fear of them damaging my credit. I even attempted to cancel their services due to the fact that I felt that their charges were inaccurate and they threatened me with large cancellation fee amounts and in addition they told me that this would negatively damage my credit. I have other family and coworkers who have complained about these same issues. Please investigate XXXX as I believe they are inaccurately making charges and sending customers to collections illegally.
01/25/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 427XX	Web
I received a letter from a debt collection agency, Credence Resource Management , LLC. Upon receipt of this letter, I contacted the company via email to verify the debt this was in regards to. I received a response that stated the creditor reviewed my concerns and the debt was valid. I responded again via email requesting for an outline of the charges to be reviewed. The attachment I was sent was for a customer that lives in a different state but has the same name as I do. I responded to inform the debt collector that there appears to be a mix up as I was sent the wrong consumers account. I am highly concerned after receiving another individuals full account statement and I offered to verify any identifying information necessary to the debt collection company to get this sorted out but the only response I received appears to have been auto generated and very generic not addressing the true issue at hand. I hope that the other consumer did not receive my personal information due to this mix up but Im honestly not sure how I could verify if that occurred or not. I appreciate any help provided to get this sorted out and hopefully prevent this from occurring to other consumers going forward.
12/21/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 79705	Web
During the first week of XX/XX/2020 I moved houses and asked XXXX XXXX XXXX to transfer my internet services to my new house. I took my modem and wires to my new house too. XXXX XXXX XXXX doesn't charge for transfer of services when moving homes. However, XXXX XXXX XXXX continued to charge me for internet services in my old house and my new house even though there was no services going to the old house. They also charged me for an installation fee in the old house. I terminated my services with XXXX XXXX XXXX in my new house due to subpar service and one continued issue after the other in XXXX. It was then that I found out about the existing charges in the old house when Credence Resource Management LLC contacted my about debt collection. The amount to be collected was {$190.00}. I called XXXX XXXX XXXX about this and I have an audio recording ( with their knowledge ) of them admitting to their error, accepting that they made a mistake, but telling me there is nothing they can do and I should pay anyway. I have attached a snippet of the audio recordings of my conversation with XXXX XXXX XXXX. This is beyond unprofessional. It shows a lack of integrity, accountability and ethics.
10/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80524	Web
Credence Resource Mana filed a collections claim on my credit report in XXXX, 2020. Credence somehow acquired a delinquent account from XXXX that had my name on it. This account was created under my name but I knew nothing about it. I have been a victim of identity theft and I have been having issues like this for several years. I filed a dispute with a credit bureau ( s ) and I discussed the situation with a Credence representative. Credence mailed me a fraud packet and I filled it out and sent it back with supporting documentation. The delinquent account was then removed from my credit report. Today ( XX/XX/2020 ), I discover that XXXX XXXX XXXX has filed another collections claim on my credit report for the same amount and again from XXXX. I called XXXX and explained the situation and they told me they have no record of my dispute or fraud packet and that I am going to have to go through he same process again with a fraud packet, etc. It appears to me that when Credence could not collect the debt because of fraud, they sold the account to XXXX. I am concerned this will never end and that XXXX will sell the delinquent account to a different company after they receive my fraud packet.
10/16/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
Greetings I have been in contact with the Department of Education, XXXX XXXX, and XXXX for the past 15 years directing them and informing them that this is not my debt. I have provided every document they have requested. The fact that idenity theft occurred at the onset was made clear. A few years they finally removed the debt. But now the debt is back on my credit report and they are taking money out of my XXXX check. And didnot give prior notice. This issue is a hardship because i donot owe these funds. It appears that These companies are not interested in following any laws. Under FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) Requirements on Users of Consumer Reports - Prohibition on Sale or Transfer of debt caused by identity theft. Although this issue has been brought to their attention these parties refuse, and deny, following the FCRA regulations. Although they have been notified in writing and by phone that the account doesn't belong to me and that it is the result of idenity theft. This item is presently on my credit report 3 different times by 3 different company names. I have also submitted this into to all three credit bureaus, nothing has been amended or corrected. Thank you.
06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78260	Web
XX/XX/2021 I attempted to suspend my services as I do every year. I only subscribe during XXXX season for the XXXX Ticket. I was told I could not until I paid the outstanding balance owed. I paid {$71.00} which cleared my bank on XXXX. I contacted them the following week and was told that they did not receive the payment and my services were cancelled and was quoted another service months worth. I have yet to be credited with the money I paid. After back and forth correspondence I heard nothing else. I received an alert from XXXX advising of a collection account. It was a company named Credence Resource Management. I have not received any notification that this account went to collection agency but they are reporting me. I called XXXX XXXX to discuss this and was told that they did not forward account to collections but that I did owe this crazy balance. I advised of my payment back in XXXX and that I could provide proof of payment and was told to mail in a complaint. I have called to speak with a supervisor and was told there was not one and that I would need to mail a complaint. I have paid this and it is not being credited properly and I am getting no assistance from XXXX XXXX
05/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
I have reached out to Credence to understand this alleged debt. They have failed to provide any proof or contractual agreement with my wet signature showing that I indeed owe this debt. There were two dispute letters sent in XXXX and XXXX of 2020 and one validation letter sent out this year asking for documentation of this alleged debt. they continue to report negatively on my credit report but as of yet honored my request. They sent a letter in XXXX offering a discount settlement but they have not sent my any documentation of this account. I found this to be very strange and fraudulent. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08876	Web
I had XXXX and XXXX XXXX XXXX as combined services. Back in XX/XX/2020 I disconnected my XXXX XXXX, but kept XXXX XXXX XXXX as my cell phone provider. When I disconnected the service with XXXX they told me I wasn't going to owe anything because I was cancelling at the time of contract renewal. Then 3 months later I received a bill for XXXX from XXXX they told me that a bill with XXXX XXXX XXXX and pay it thru them because it was a joint account so I did. The confirmation number for that payment is XXXX on XX/XX/2020 thru my checking account and that confirmation number was provided by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has no record of the payment and they sent me to Credence Collections. I tried calling Credence several times and they want me to give them my personal information and yet tell me they can't look me up by account number they gave me on the bill they sent me. I believe this is all a scam. I have paid my bill owed and never once received another notice from XXXX, but I continue to get calls from Credence. I tried resolving this last week with XXXX XXXX XXXX who had put me in contact with someone at Credence and they continue to call me and I continue to receive bills.
08/13/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
I noticed that Credence damaged my credit by reporting information to all credit reporting agencies. I attempted to contact the company via USPS in an attempt to validate the debt ( SEE EXHIBIT 1 ). The company did receive my request ( SEE EXHIBITS 2 ). The company did not fully respond to my request and only provided an outdated billing statement ( SEE EXHIBITS 3 ). I attempted a second time to request the information again ( SEE EXHIBIT 6 ) to properly validate the debt. The company did receive my second request ( SEE EXHIBIT 4 ). The company did not fully respond to my request and inundated me with multiple outdated billing statements ( SEE EXHIBITS 5, 7, 8, 9, 10, 11, and 12 ). The company continues to refuse to properly validate the debt, which the negative credit reporting is a violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Fair Credit Billing Act. I am requesting CFPB 's help in resolving this issue within the confines of the law. If the company can not properly validate the debt, then by law they must remove from my credit files any negative reference concerning the debt and cease any and all attempts to collect on the debt.
04/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 66044	Web
On XX/XX/22 we were notified that our credit score had dropped XXXX points because of an account that went into default. We had no other information and had not received any bills or notices that any accounts were in collections. Based on the credit report information, we figured out it was a debt with XXXX XXXX XXXX, associated with my former employer. They paid for our internet service while I was employed there, and upon termination of my employment I returned all related equipment to the company. The company never closed the account or returned the equipment, and the billing statements were all sent to my former employer. Upon calling Credence Resource Management, we attempted to correct their records but they did not cooperate and would not correct the account holder. I sent a formal request for debt validation via USPS certified mail, which was received by Credence Resource Management on XX/XX/22 but they have yet to respond as of today XX/XX/22. I had to file a dispute with the credit reporting agency in order to get the debt removed from my credit report. I also incurred legal fees because my lawyer had to contact my former employer in order to get the account paid.
11/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76180	Web
A collection of {$2400.00} with Credence Resource Management that had an initial collection year of XX/XX/XXXX has been added to XXXX Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.
11/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55125	Web
A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by XXXX XXXX XXXX ( XXXX # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XXXX of XX/XX/XXXX from Credence Resource Management, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year XXXX XXXX ). Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.
05/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MA 01702	Web
We first received a letter from this company named " Credence XXXX XXXX XXXX ''. The letter we received was a bill that was summed up to {$3100.00} XXXX. This bill was supposedly for the XXXX XXXX XXXX as a creditor. We searched up the website online " XXXX '' it was very suspicious on first sight. Instead of a log in, or a first time user, it asks for a " XXXX XXXX XXXX ''. Upon clicking that link it asks who is your creditor is. Upon the options ours as " XXXX XXXX XXXX '' was there, there also was XXXX XXXX XXXX, XXXX and XXXX, etc. Which we found even more suspicious because those companies require account information to pay off their bills. After accepting their terms it instantly asks for checking and or credit card information. We called this company via the phone number provided in the letter around XXXX XXXX of XX/XX/2021. Between their call hours. An person with a heavy XXXX accent said you have to at least put a down payment of {$1000.00} or more for a discounted price on the balance. We did not put any payments and we hung up. We would like some help to verify this " Debt Collector Agency '' to make sure its legitimate or we should avoid this bill.
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	OH 443XX	Web
On XX/XX/2022 I emailed Credence Resource Management LLC, regarding letter that was sent to me. Per the letter I have until XX/XX/2022 to respond, and I responded by email stating I had no idea who this company was because I had never worked with them before. I requested written documentation to prove this account actually belonged to me. They responded asking for my personal information which I did not give. I will attach the emails between me and this company who I have never worked with. Also per the letter that was sent to me they must stop collection on any amount i dispute until they send me the written documentation that i had requested. I recieved an alert on my credit profile saying that I had a new collection on my report. I took screen shots of my XXXX and my XXXX report showing that they put this collection account on my report without sending me the requested documentation and doing it before the 30 day time frame where they had to stop all forms of collection until the requested documentation was recieved I had until the XXXX of XXXX and they placed on my report in XXXX. I did not receive the information I was requesting. They have broken the law!
05/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web
A company called Credence Resource Management is incorrectly reporting a debt of {$740.00} on my credit report. I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit. The account number they are reporting on my credit is : " XXXX ''. This is not the only company who is doing this. Another collection company under the name " XXXX XXXX '' is also reporting the same exact {$740.00} debt on my credit with a different account number. It seems these XXXX companies are trying to service an account with XXXX XXXX but I do n't even use XXXX XXXX . Is n't it illegal for XXXX different collection companies to try and collect on the same debt? As proof, I am including a screenshot from a recent report which shows how XXXX XXXX is ALSO reporting this to my credit. This appears to be a scam effort by these XXXX companies and the information I have found online only leads me to negative reviews and harassment stories by other consumers. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
12/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70806	Web
I have disputed this account through XXXX several times and also filed a police report, along with submitted a documented packet to XXXX XXXX explaining this debt is not my debt and I do not owe this company they continue to put false items on my credit report causing me pain and suffering while in the process to purchase a home for my XXXX children and I. I am a single parent and the suffering they are causing me while trying to raise my children is horrible. I shouldn't have to continue to fill out paper work that I continue to explain to XXXX different people. I have spoke to XXXX, I have spoke to XXXX XXXX, the police filed a fraud complaint on the matter and now I have to continue to dispute through them. When they sent the verification paperwork I explained and wrote back to this company and another comapny that this debt is not MINE I DO NOT HAVE XXXX! MY SOCIAL, and credit file has to be locked due to people using it for fraud. I SHOULD NOT HAVE TO KEEP DISPUTING THIS SAME INFOMRATION NUMEROUS AMOUNTS OF TIMES! it is frustrating and I am thinking about getting an attorney to sue all XXXX companies due to the pain I am being caused and time i am wasting.
10/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60628	Web
To whom it may concern : I had a collection placed on my account that dropped my score over 40 points for a debt that I paid over a month ago and the collection agency was well aware. This debt was paid in full and a simple contact with the original creditor would have proved it as such. I paid the past due balance and returned the equipment. The collection account is for the amount billed for the returned equipment that XXXX XXXX XXXX guaranteed would be wiped clean if I returned the equipment which I did on XX/XX/21. I have attached the receipt. I was unable to get a receipt for the rest of the paid amount. I really believe this was and intentional and malicious attempt to harm my credit because my contacts with the original creditor for the past couple of weeks I have been told that I have a {$0.00} balance if I returned the equipment. A simple contact between the collection agency and the original creditor would have shown that this bill was paid. If this isn't intentional then it's obviously negligent and this business needs to be reprimanded. I've been working extremely hard to repair my credit now I have to spend time, and money on certified mailings.
03/06/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28532	Web
I was told by an XXXX XXXX XXXX sales rep that I had good cell coverage at my home address. I was also told that by bundling my XXXX XXXX XXXX cell phone plan and XXXX XXXX XXXX I would receive a discounted bundled rate. It was a cheaper plan so I signed up. When I returned home with the cell phones they did not have service at my home address. To be clear, the cell phones did not work at my house. Within 24 hours I canceled my plan with XXXX XXXX XXXX and reversed everything. Apparently when they bundled my XXXX XXXX plan it couldn't be reversed so I had to cancel that and start all over. No one at XXXX XXXX XXXX has been able to resolve this so it looks like I canceled my XXXX XXXX contract prematurely and they are trying to charge me a contract cancellation fee for misinformation their salesperson gave me from the very beginning. Now the collection amount has increased because they have turned it over to Credence Resource Management, a collection/harassment agency, and it has negatively affected my credit. I do not owe this money. I don't understand why I have to keep going through this every time they put this on my credit report. It was their mistake.
09/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53212	Web	Servicemember
Initially, I received an alert on my credit report stating that I owed {$1300.00} to Credence Resource Management for an unpaid bill from XXXX XXXX XXXX. I disputed this claim with XXXX and XXXX, because I had no knowledge of any past due debt with XXXX XXXX XXXX. Credence Resource Management responded to XXXX and XXXX saying that I did owe them {$1300.00} from an unpaid XXXX XXXX XXXX bill. They eventually sent me a copy of the past due bill from XXXX XXXX XXXX and it was dated " XXXX XXXX ''. The address on this bill was an address that I hadn't lived at since XX/XX/XXXX. Also, I am currently a customer of XXXX XXXX XXXX and my account is in good standing. When I called XXXX XXXX XXXX customer service, we were unable to access this account with my information. I was told that even the last 4 digits of my SSN didn't match with this account. I sent a certified letter to Credence Resource Management stating the above information in greater detail. It was received by them XX/XX/XXXX. As of today, I have not received any response from them, and this debt is still showing on my credit reports. This is not my debt, nor am I not responsible for this debt.
12/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70065	Web
Credence put collection in the amount of {$700.00} on my credit reports without my knowledge ; in doing so Credence RM violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request the following information be verified : Full original account number date original account was opened written agreement between myself & original creditor stating the debt is owed Full account summary & itemized calculation of alleged debt Date of the first delinquency Dates and times of any phone calls made in attempt to contact me concerning the alleged debt and to what phone number, before it was reported to Credence RM ( proving that these calls were made in the times governed by FDCPA law ). If Credence RM is unable to provide the account information, this account must be deleted from all credit reporting agencies. I have filed a dispute with XXXX which is pending investigation ( tentative date of results is XX/XX/2022 ). Credence RM failed to follow FDCPA by not sending me a letter allowing me time to dispute or validate the alleged debt within the allowed time XXXX time frame that is allowed by law.
09/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
I received an email from Experian on XX/XX/2019 that I now have debt collections from Credence Resource Management and owe {$1400.00} to them. I made a dispute against this claim through XXXX simply because I do NOT have any kind of account with Credence Resource Management, nor have I ever been associated with this company. XXXX emailed me today that Credence Resource Management 's information is accurate for the debt collections against me. I have NEVER received mail for any kind of billing statement this company is accusing me of owing. Therefore, I am unable to attach any kind of documents to this complaint as I have never received any kind of documentation from this company. Additionally, I do not know the service this company is claiming that I owe to them. I have researched the company to be associated with XXXX XXXX XXXX XXXX, which again I have no association with as I have XXXX. I believe this activity to be fraudulent as I have no knowledge of this company or have ever received any kind of mailing statement from them. Unfortunately, this has decreased my credit score significantly which is very frustrating and would like resolved immediately.
02/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33054	Web
I received your letter regarding the dispute I have with XXXX XXXX, which states they confirmed that I owe a balance of {$300.00} in which I am still disputing. They seem to have this as an open account which is not true so you have been given information under false pretense. When my contract with them ended I immediately went with another provider. I returned their equipment and paid what I owed ( so I thought ). Months later I began receiving a bill. I called several times regarding the bill and asked for a print out to show my payment history. I was told every time I called one would be provided. It never was. Now it would appear to me if Im asking for a print out to show proof that I owe this amount why cant the information be provided? This account has been closed for years, however, you stated your investigation is complete and the information was true as given to you so I am asking you to please share with me the documented proof that I owe this amount and I dont have a problem paying even though my experience with the was not a pleasant one. If this evidence would have been provided at the time requested this situation would have been resolved.
06/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Credence RM. I did not open or authorize the account that you are reporting a balance of XXXX. This fraud account was not opened by or used by me. I've never had any obligation with you nor the company XXXX you represent. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
04/05/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 78130	Web	Servicemember
There was not an option for this in its entirety, so please see below : I received a call from Credence Resource Management , LLC referring to a debt I have no acknowledgment of, other than the fact that a different collection agency recently, illegally added the account to my credit report. It has since been removed after disputing the account for 1. not belonging to me 2. not following FDCPA New Regulation F. I explained this information to the male who called me from Credence Resource Management , LLC and advised him that his company most likely purchased bad information. He became upset with me when I asked for him to mail me the information he had on the account, and to ensure the information he sends adheres to the New Regulation F guidelines. Following, he said, " No, I'll just report it as fraud. Have a good day. '' and disconnected the call. Within a couple minutes, I received an alert from XXXX, notifying me that a fraud alert was placed on my XXXX report. I never requested this, nor did I say I was a victim of fraud. Now I am having to spend time trying to repair this issue so it does not negatively impact other businesses I am engaged in.
06/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 946XX	Web
XXXX XXXX XXXX Gave my account to Credence Resource Management , LLC for collecting my remaining Ambulance charges. Collection Agency name : Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credence Resource management collected {$1000.00}. The actual amount I owed was {$520.00} ( Per XXXX insurance summary of benefits ). So Credence Resource falsely collected {$550.00} ( {$1000.00} - {$520.00} ) from me. On calling them multiple times for this issue and submitting my request to refund the remaining amount, Credence Resource Management denied it. ( I still don't know where my money is, or even if I will get it back ) Per the practices of FTC, a debt collector can not collect debt more than what a consumer owes. A federal action should be taken on Credence Resource Management for their unfair debt collection practices. When they called me to collect this payment they said that they can not wait until I hear back from XXXX insurance on my benefits summary and I need to owe them {$1000.00} right away. XXXX action should be taken for this. In return I must be compensated the nominal interest and the amount falsely charged.
11/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92054	Web
This is an old debt, from when we had XXXX for internet. We switched from XXXX XXXX XXXX XXXX XXXX for internet, and XXXX continued to bill us for XXXX months. They stated we never requested cancellation. I gave up fighting it, and accepted the collections status. The debt is from a few years ago, and has been sold at least twice that I know of to different reporting companies. It was just sold again, and they are currently reporting it as an OPEN account that was opened on XXXX of XXXX. This is NOT accurate. We last paid them in XXXX or XXXX of XXXX. This is XXXX year old debt, and should reflect that. The current report shows a balance {$160.00} from XXXX ( both are probably correct ) The date opened shows as XX/XX/XXXX ( VERY incorrect - Opened XXXX, XXXX and ended XXXX ) It also shows this as an 'OPEN ' account, when it has been through the hands of multiple collections agencies. The re-addition of this 'new ' date and status has tanked a credit score that I have been working very hard to rebuild. I have tried to dispute this with XXXX, but they said that they confirmed the information was valid. It is very much NOT. Please help.
02/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 351XX	Web
I have a closed paid acct. On credit report, but it is reported inaccurately. The dates are incorrect as the acct has been sold many times and info has been changed. It was originally opened in XX/XX/XXXX by XXXX XXXX. Then XXXX XXXX which was deleted. However the DOFD was XX/XX/XXXX. Thats when they started collections for acct. It has since been reported as opened on XX/XX/XXXX and XX/XX/XXXX. I have made many attempts to gets this matter corrected with no success. It has been paid even though the amounts and dates are not correct and i have requested itemized bill. It was last sold to creedence resource management to whom it was paid and agreed upon to remove, delete and cease all collection activity. Since then CRM has told me the account doesnt even beling to them now and it did when paid. Makes no sense and how can they even report if they dont iwn the debt. They have not done so and i have contacted them, XXXX and XXXX several times in attempt to correct this. They have repeatedly hit my credit causing many drops in credit rating. The only response ive gotten from XXXX and XXXX is verified. This has not been investigated, or corrected.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23455	Web
XXXX, XXXX, XXXX FRAUD Account # XXXX Credence Resourse Management I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction. 15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish any information relating to a Consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
04/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95833	Web
XXXX XXXX XXXX XXXX XXXX Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character
08/26/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 150XX	Web
In XX/XX/XXXX I asked XXXX XXXX to disconnect my service because I was evicted and homeless. I was legally restricted to stay off of the property or face trespassing charges. They turned it back on without notification to me. It was on for a period of time which I do not know how long. I did not use this service. XXXX XXXX is the landowner. If anyone used it it was him. He was the only one with access to the residence. The locks were changed on XX/XX/XXXX and I did not have access to enter the premises legally. I have disputed this three times with other companies. I did not open the account in XXXX. That is when they bought the debt. The last payment was in XX/XX/XXXX. Then I was homeless in XXXX and had no way to pay it. I need this removed from my credit as I do not owe XXXX XXXX XXXX. My debt was not with them. Honestly I believe it is a disgrace when companies buy debts from other companies and try to portray a scenerio with false information that is not true. I am now XXXX and receive under {$800.00} a month. It barely covers my mortgage and car. If there is more information needed please contact me at XXXX. I will forward it to you.
03/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 516XX	Web	Older American, Servicemember
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX of 2022 regarding an alleged debt owed to XXXX XXXX XXXX in the amount of {$250.00}. The letter stated if I wanted to dispute the claim, I needed to submit a request to them before XX/XX/2022. I sent an email to XXXX on XX/XX/XXXX disputing the claim. I received acknowledgement of my email on XX/XX/XXXX. I received no further communication from Credence or XXXX XXXX XXXX. On XX/XX/XXXX I received an updated credit report from my bank stating my credit scorXXXX had dropped XXXX points due to an outstanding unpaid debt. Upon checking the action was filed by XXXX on behalf of XXXX XXXX XXXX. I contacted XXXX who acknowledged receiving my email disputing the claim in XXXX and they stated to me " they failed to follow up with me ''. I explained my negative credit report and they told me they would correct it by somehow saying " the debt was in dispute ''. I asked they reverse their action on my credit and was told they again would mark my account " in dispute ''. I want my credit report adjusted and my credit score returned to it's previous score. Thank you for your assistance. XXXX XXXX
01/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 378XX	Web	Servicemember
I was a XXXX XXXX customer for about 5 years then in XX/XX/XXXX I sold the house and moved into my parents home until we could buy a house I contacted XXXX XXXX to close my account out then about 2 months later I started receiving bills for disconnecting early I told them that I have been a customer for 5 years and that I had sold the home which had the service they said they would take care of it. then I started getting collection letters from a debt collector for {$240.00}, So I called XXXX XXXX asking why am I getting these letters they said it was turned over to a debt collector, So my information was illegally obtain by the debt collector. I told them I sold the house and no longer needed service there so they tried to get me to move my service to my parents house I told them my parents had cable and they said that since I didn't transfer my service I owe the debt. We purchased a home in XX/XX/XXXX the collections was still on my credit report but had been removed from my experian credit report. I hear about this action all the time but never told I would be part of it. So the damage is already done but my report should be corrected.
07/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22152	Web
I was initially scammed by a party pretending to be XXXX. After I realized that I was scammed I notified XXXX and they continued to bill me even though they soon turned off the service. I didn't receive a bill in the mail or neither was there a phone call to attempt to collect the debt. I didn't trust the communication through email since the scammers were aggressively trying to scam me using a similar email with the XXXX logo. I didn't respond to any emails because of this. I don't recall ever authorizing for me to only receive bills via email notifications that require me to provide password and security credentials to login similar to the scam. Instead they continued to email me in the same manner the scammers were emailing me using the same XXXX logo.. I am currently paying down the amount owed to the collection agency, Credence Resource Management. I want to make you aware of the lack of communication and notice given of my bills. They also didn't give me credit for the equipment that I returned and have a negative mark on my credit despite me having an open case with XXXX and Credence to clear the remaining balance of {$190.00}.
12/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
To whom it may concern I am disputing charges from XXXX XXXX totaling {$210.00}. TV services were installed and then cancelled within 24 hours due to XXXX XXXX in ability to provide the internet services initially agreed upon in my TV and internet bundle. Under Florida law I am entitled to cancel any contract within 3 days of signing. I did so within hours of the tv service being installed. Therefore invalidating the contract as well as the fact XXXX XXXX was unable to provide what they had agreed to. If you would like to pursue this issue further I request the following proof of debt 1. Contract 2. Proof of installation of TV 3. Proof of installation of internet * ( this doesnt exist ) 4. Recording of my call to XXXX XXXX on the day of installation between XXXX and XXXX XXXX EST 5. Recording of second call to XXXX XXXX after the one and only bill I received from them. ( the representative stated that I owed nothing and the account would be XXXX out ) Credence RM refused to provide documentation and states only that it is valid. XXXX XXXX doesnt have any record of my account. They seem to have zeroed it out as initially stated.
09/22/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NM XXXXX	Web
I am trying to get my home refinanced and on my credit report it showed i owed XXXX XXXX almost {$900.00} from XXXX of XXXX. I called XXXX directly and they stated they did not have an account under my name and could not find anything with the last of my social or birthday. They said they could not help me but to go to a XXXXXXXX store XXXX I went to the one in XXXX, they stated they were a 3rd party XXXX store and could not help me I would have to go to XXXX Tx or XXXX NM . to file fraud paperwork. They then stated to call the people who had me with the negative report on my credit. I called them Credence Management ( they are debt collectors ) I spoke to a man and i could not understand him very well as he had a thick accent, he then transferred me to his supervisor XXXX which also had a very thick accent and was quite upset over the bill not being paid. He finally gave me the account number that he was wanting payment on and the account number is XXXX of a XXXX account that was from XXXX not XXXX of XXXX. Credence Management number is XXXX XXXX XXXX it is a New Mexico number but i think the company is based out of the United states.
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60655	Web	Servicemember
I am a victim of Identity theft/fraud. I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. documents submitted to CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. This account must be removed immediately, as it is in clear violation of the FCRA.
06/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33141	Web
ou are in direct violation of several sections of 15 USC 1681. Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ). Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately. Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. I demand that you remove the following account s : Credence Rm ( XXXX XXXX XXXX )
04/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38135	Web
Recently had a creditor ( Credence Management Resource, LLC ) added to my credit profile. Upon research, they are a debt collector representing XXXX. I had XXXX since XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. I sent a certified letter twice to Credence and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. They still have this on my credit and have not provided me with a contract or anything to show that I signed up for an account with that number. I have provided them with everything to prove my case.
10/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NE 68135	Web	Older American
I have disputed a paid invoice from XXXX since last XXXX. My bank statement reveals that XXXX was paid in full on XX/XX/XXXX and the direct payment was cashed. I sent copies of the bank statement and a support letter from my bank, XXXX XXXX XXXX XXXX XXXX. My bank has repeatedly offered to send verification via a secure fax. XXXX wouldn't provide a legitimate fax number and my account with them was closed. Numerous calls were ignored. They then turned my already paid balance over to a collection agency. Credence Resource Management. I also sent them copies of my bank statement and the supporting letter from my bank. I again offered to send them the additional information from my bank via secure fax and they wouldn't respond either. This paid debt was put on my credit record and my credit score dropped nearly XXXX points. I have tried everything possible and my attempts at reconciliation have been ignored by both XXXX and Credence Resource Management. I can prove that the debt was paid on XX/XX/XXXX but no one seems interested that the invoice was already paid. My bank remains waiting for a legitimate fax number for confirmation..
05/15/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30067	Web
On XX/XX/2020 I became aware of inaccurate information listed on my credit reports by Credence Resource Management , LLC. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement - On XX/XX/2020 I received a dispute investigation response stating that the " creditor '' verified the account as valid. Credence Resource Management , LLC is listed as the creditor for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit reports. Did they reach out to themselves and verify the account status? On XX/XX/2020 I also received an itemized document to verify the referenced account. On XX/XX/2020 I responded with a second attempt requesting proof of the account accuracy at which point I never received a response. Credence Resource Management , LLC changed the name and creditor reporting to XXXX resulting in additional harm to my credit scores after my first certified mail request. I believe that Credence Resource Management , LLC is acting in bad faith by attempting to collect a debt that is unverifiable.
05/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 662XX	Web
When I terminated my service with XXXX XXXX XXXX XXXX in late 2019, I was told that the final bill would be XXXX XXXX and XXXX something dollars for early disconnect and the rep was going to notate the account that I would be disputing the amount because I was mislead at the beginning of the contract. I called prior to the beginning of the next months service as well, so there should have been no additional monthly service fees. When I called back to provide my mailing address and request a box to return their equipment ( I advised her service was for a second home with no mailbox ), she said it was not necessary and to just drop the equipment off at a local XXXX XXXX location. My neighbor of the location I had the service at called me and said there was a return box from XXXX XXXX XXXX XXXX on my porch. Of course this is after I had already explained we did not live there or have a mailbox. I have received no communication since then. I have another account with XXXX XXXX XXXX for our primary residence, so they have my mailing address. I have received no collection letter nor was I given an opportunity to dispute the debt at any time.
03/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 765XX	Web
I went into the XXXX XXXX XX/XX/XXXX. Before I left the US, I closed or suspended all accounts that would not be used while I was gone. I contacted XXXX XXXX XXXX XXXX. Because they did not allow for more than 6 months suspension, I closed my account, with the intention of reopening the account upon return XX/XX/XXXX. I paid my final bill of {$52.00} on XX/XX/XXXX and closed my account. I no longer received the e-Bill through my on-line banking bill pay. I returned in XXXX to find letters ( all mail had been forwarded to my mothers home ) from Credence ( collection agency ). They were very nice and helped me dispute the charges ... twice. I have contacted XXXX XXXX XXXX ... they did NOT listen. They simply asked me to pay their bill! I have been with XXXX XXXX XXXX for many years and have paid on time. Although, they would notify me about my e-Bill, they never notified/emailed me that these charges were going unpaid. If they had, I would have known a mistake had been made, and in turn, reminded them that the account was closed while I was in the XXXX XXXX. Does XXXX XXXX XXXX do this to other customers who are serving our country?
01/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78132	Web	Older American, Servicemember
We updated our monthly service with XXXX in XX/XX/XXXX -- we built a new home. They failed to cancel a portion of our old monthly service. XXXX acknowledged the error and said they would update our file -- by phone, not in writing. They then sold our old account as a " bad debt '' to collection while we were on vacation, which resulted in a {$280.00} " bad debt. '' Contacted XXXX in XX/XX/XXXX -- they had no record of the charges but said they were unable to reverse the sale for collection. Since XX/XX/XXXX, the " debt '' has been resold multiple times. Our new service with XXXX has been in place since XX/XX/XXXX with a monthly charge of approx. {$350.00} per month. We have been a loyal customer of XXXX for over 30 years. Our past credit history has been excellent for over 30 years with no late payments or delinquent accounts. One credit collector deleted the debt in XX/XX/XXXX but since then, my dispute claims have been rejected and my credit report continues to be updated, which extends the " bad debt window for 5 more years. Please help us resolve this unjust treatment and retore the excellent credit that we have always enjoyed.
06/27/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28214	Web
I requested kindly that CREDENCE RESOURCE MANAGEMENT provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDENCE RESOURCE. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDENCE RESOURCE is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with CREDENCE RESOURCE. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDENCE RESOURCE should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also havd an active fraud account from XXXX XXXX XXXX for account CREDENCE RESOURCE MANAGEMENT as I have never had an account of done any business with his company.
05/18/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 95123	Web
Hello CFPB + Credit Collectors, I am a XXXX year old that started with credit early on. I made a lot of mistakes and everything got worse when I lost my job. I graduated from an intense XXXX XXXX program called XXXX. They train young individuals like myself relevant skills to survive in this thriving economy. When I lost my job it was unexpected. I had no idea the toll credit would have on my life. I am now in debt to all these credit card debt collectors. I would like a fresh start to all of this. I am ready for a new beginning. Below is some of the debt I have accumulated. I wish to get this debt off my back so that I can contribute to my neighborhood. I want to give back and help others but with debt I am completely frozen and am not allowed to do anything. I have learned my lesson. " XXXX XXXX XXXX , XXXX '' : {$630.00} XXXX XXXX : {$350.00} XXXX XXXX : {$820.00} XXXX XXXX XXXX , XXXX : {$960.00} I would also like to dispute a debt with CREDENCE RESOURCE MANAGEMENT LLC for {$1500.00} The confirmation number for this is XXXX. I have already payed this debt. Please help me settle this debt. I have learned my lesson with credit.
04/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CT 06512	Web
I received a call from this company they did not have my correct address but said I owed XXXX for XXXX. I asked them XXXX XXXX for the address so I could send a debt verification letter via certified mail. She said the only address they had was a XXXX XXXX I told her I could not send it certified to a XXXX XXXX she then transferred me to XXXX XXXX a supervisor. At this point I felt this may be a fraud so I decided to try and record the call so I told XXXX XXXX that I was going to record the call to which he said if I did that he could no longer speak to me because they record the call for quality control I said well I am recording the call to make sure this was not fraud since I received nothing from them in the mail they did not have my correct address and for some reason could not give me a physical address to send a letter to. I them formally requested that they no longer contact me at work or on my cell and that all communication needed to be done via mail to which they said they will stop calling my work but would keep calling my cell until it was settled. I told them fine I would file a complaint and we would go from there.
04/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web
When I contracted XXXX for home in XXXX ~ XX/XX/2023 the seller asked me if I want a table I said not i don't need it, then he mentioned is for free, I accepted to sent it over, after the first month of XXXX XXXX XXXX i received the invoice with account number XXXX i procced to paid in full, so after some time i received another invoice I thought is a mistake and a leave it, after like 4 months i continue paying the account XXXX but received another bill with like XXXX dlls i said why is like that i communicate with XXXX and asked what is happening the problem is the seller creates 2 account one for my XXXX home which i asked for and another for the table which is mobile with number XXXX, i told them i don't asked for that service then they offered some help to fix but they never did anything about. i am not walling to pay for something that i didnt ask and they sold me with lies. so the debt is with a collector and already impacted my credit score. This is the information about the Collector Credence Resource Management , LLC. with reference number XXXX. I have never being in contact with them why I own a bill to them.
03/19/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	UT XXXXX	Web
I was on another call when this company tried to call. They left no voice mail which is a clear indication of an unwanted solicitation style robo call. I called it back. The name wasn't clear based on the heavy accented automated system. The woman that answered clarified the name of the company. She said my number wasn't coming up in her system. I asked if she was a telemarketer. She said no and used a term that clearly identified it as a collection agency even though she tried to disguise it. I politely told her not to call me again and we ended the call. I have no idea who these people are, they don't send any written communication to you before they just start robo calling. I will block every single number they call me from until they send me something in writing to explain who they are and who they got my number from. I'm coming off of XXXX XXXX selling my info without ever obtaining my permission so I'm not privy to strange companies I've never heard of calling me. If they do have legitimate business with me then they should've contacted me via USPS. If their client doesn't have correct info then that's not my problem!
09/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45044	Web
I have called Credence on several occasions with an account they have listed under XXXX XXXX XXXX XXXX XXXX, but I went to the hospital and received an incorrect bill from XXXX XXXX XXXX. I have been trying to get my account updated with with my XXXX information. At first they said they would contact their client and provide the info. I waited and called back and then they claimed they can't do anything, said there was a filing limit when I informed them that I was informed there was no filing time limit with XXXX, I spoke to numerous reps, one hung up on me, they kept transferring me, then they were all of a sudden that department was closed way earlier than they were supposed 30-40 mins earlier after they left me on hold for almost an hour and kept telling me to contact different numbers. I have been going back and fourth between the collection agency and XXXX XXXX XXXX trying to get this sorted out and no one has taken the time to get this handled or input the correct information for my XXXX XXXX XXXX. I informed the Credence Collection agency that because of their tactics I would just file a claim and get this handled
05/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ XXXXX	Web	Older American
I had signed with XXXX XXXX for their services. After many lies from the company, I had to deal with the corporate office and they apologized and offered me services for one year at a reduced rate. After completing the year, my bill almost doubled and I contacted XXXX XXXX who was then going through XXXX XXXX XXXX. Again, apologies but never resolved. In XXXX, XXXX, I had to move as the condo I was residing in was sold and I tried to transfer my service. The new senior XXXX XXXX I moved to would not allow XXXX XXXX dishes and told me I had to go with XXXX. I transferred my services in XXXX, XXXX and was billed in XXXX, XXXX for {$54.00}. Despite numerous calls to XXXX XXXX XXXX and apologies, they continue to bill me and have now turned this account over to a collection agency, i.e. Credence Resource Management , LLC. I do not owe this bill. I was billed a month in advance and paid my bill, this bill was supposedly for XXXX, XXXX, at which time I DID NOT have XXXX XXXX services. I did talk to a supervisor in XXXX and was told this would be taken care of, but still XXXX XXXX XXXX messages and now collection ... HELP!!!
06/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
I have communicated with Credence in writing via certified letter with return receipts in XXXX and XX/XX/2018. In my initial request to them, I explicitly stated that I was disputing the validity of the alleged debt. Credence did not provide any documentation to substantiate the alleged debt. Credence provided on their letterhead from the latter dispute in XXXX ( see attached ), I did not receive a response from my XXXX dispute, an arbitrary number that does not provide any details nor specifics as to the date this alleged debt became payable, original delinquency date, verification that this debt was assigned and sold to collector, a complete accounting of the alleged debt and the name and address of the bonding agent for the collection agency in case legal action becomes necessary. I received nothing. In XX/XX/2018, I again attempted to communicate with Credence for them to validate the debt and yet again, they did not. It is apparent that Credence is blatantly violating my consumer rights by reporting this unverifiable, inaccurate, erroneous entry on my reports. To that end, this entry must be deleted immediately.
07/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 391XX	Web	Servicemember
I requested verification of this debt from the company according to the laws and was sent a bill, but no verification that this debt belongs to me. Furthermore, this company and 2 others are reporting to own the same debt on my credit report or sending various attempt to collect letters. I need valid justification and the debt be removed from my credit report if it can not be verified. I have sent proof that this debt is being reported multiple times illegially. I have requested information from this company, I keep being given minimal information to verify this debt. I have requested in detail several items to prove verification and the company in XXXX claimed to recall the debt. Now in XXXX, I am having to file yet another complaint against them for failure to provide adequate documentation about the collection of this debt. Having been a victim of identity theft twice I am not going to go on goodwill without valid proof. They have failed to provide it for the last 6 months I have sent 3 letters to the company requesting it. I only received a partial bill with no other information attached to tie me to the debt.
05/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29223	Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
04/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95134	Web
The collection letter sent to me is for a debt I do not owe. It is supposedly for a XXXX XXXX account they claim was mine but I have not lived in an area served by XXXX XXXX until recently. XXXX has sold this fake debt to at least 3 collection companies over the past 7 years and each keeps harassing me about this case. I have asked each of these collection agencies to provide proof that I opened the account they are claiming is in collection and none have been able to. It seems as though each time I do this they play hot potato and sell the account to another agency which starts the process all over again. I have spent over {$1000.00} fighting these false claims in the past only to have the fake debt resold to another collector when it comes time to provide any proof the debt was legitimate. Most recently ( XX/XX/2022 ) I sent a letter to Credence Resource Management to cease and desist all correspondence ( per the FDCPA ) until they were able to provide me written evidence that I opened this account with XXXX XXXX. The have violated this request by continuing to call me multiple times a day interrupting my work.
03/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70065	Web
XX/XX/XXXX, I reviewed my credit report through my checking account and saw that my credit score had decreased. After further review, I saw the company CRM al known as Credence Resource Management reported I had a past due balance for XXXX without verifying whether the debt was actually mine. I reported this to the 3 credit bureaus, the identity theft department of the FTC and fraud department at XXXX XXXX XXXX XXXX XXXX XXXX removed the derogatory mark from my credit report in XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Credence Resource Management in response to my request to verify. The account is inaccurately linked to me. I never opened a XXXX account for service nor am I affiliated with the address ( in XXXX, Texas ) linked to the services installed that are past due. I am a victim of identity theft and as such I have opened another case with the FTC/XXXX. I also contacted AT & T again regarding this matter and I have fraud alerts from XXXX, XXXX and XXXX and credit freeze on my credit report. Credence Resource Management has not performed due diligence in verifying the debt is actually mine.
11/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92612	Web
Credence Resource Management reported a delinquent account on my credit report for {$70.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXX of XXXX and they said that it takes some time to get a copy of the police report. The collection company refuses to delete this account from my credit reports. The collection company should be able to verify and dispute the account themselves, since they are the ones reporting it delinquent to my credit. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX & XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim.
09/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	Web
My credit report has been placed for identity theft and frozen long time ago. My credit report info was on the XXXX web and is still trying to remove transactions that are not mine. They keep calling my number about an account I do not owe or own!! They will not stop calling after, I told them to stop calling or I will have to sue them for phone stalking and lying about their identity. I found what their real company name was on the internet using their phone number ( XXXX ) XXXX. I do not have any paperwork from them stating I owe anything, and they are not on my report. They told me it was student loan debts, and I was behind. My loans are in default since XXXX and never late. Please have this company to stop bothering me and delete whatever debt they are trying to collect from the on the behalf of another company that sold them a XXXX on a XXXX contract they believe is mine without sufficient evidence. like I said my reports are frozen and I can't see them online. So, if they did put something on there have them to delete it. Credence Call dates/ Times XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX
05/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 179XX	Web
On XX/XX/XXXX, as I do every week, I checked my credit report. I noticed I had a collection, which I have not had any collections in awhile. I lost everything a few years back and was able to get my credit out of the gutter. So I look on the XXXX and there is some charge on an account that was opened in XXXX XXXX. I didn't open anything and I do not have XXXX. I never had XXXX. I submitted a dispute for each of the credit company 's and called the collection company and told them I had no knowledge of this debt, I did not open any accounts with XXXX. They said its from an account in XXXX. I never heard anything about this so called debt owed from XXXX. Now my credit is tanking. They told me to file a police report. On a debt they say is from XXXX? No, I think this company is trying to steal money from people. I hope that my credit companies remove this from my credit report. I asked them to verify the debt or some kind of bill and I have not received anything. But every day my credit continues to tank because of this. If i owed anyone any money from that long ago, WHY is it just appearing now? Its a scam!
02/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92708	Web	Servicemember
On XX/XX/2021, a debt collecting agency named Credence Resource Management , LLC filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX XXXX. The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX Customer Service Representative on XXXX XX/XX/2021 at approx. XXXX XXXX. I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.
03/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 38401	Web	Servicemember
XXXX XXXX XXXX XXXX turned over a {$35.00} final bill to Credence Resource Management LLC, Phone Number XXXX without sending me any notice of intent to send to collection. I am not disputing the fact that I owed the {$35.00} which has been paid to XXXX XXXX XXXX. My complaint is the improper contact and sharing information with someone else by Credence Resource Management LLC. They sent a letter to my son in another city, never mailed me a letter to my address that was provided to them by XXXX XXXX XXXX. My son called Credence Resource Management LLC. and they discussed the collection matter with him and told him they got his address by doing a skip trace, found his address and sent the letter to his address. Credence Resource Management LLC confirmed to my son that they had my address on file. but did not send the letter to me. I contacted Credence Resource Management LLC. spoke with a supervisor who identified himself as XXXX. He confirmed that the letter was sent to my son at his address and not sent to the address provided by XXXX XXXX XXXX which is my address.. I feel that my privacy has been violated.
09/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27513	Web
XXXX - purchased new phone service from XXXX to switch to XXXX. Started new service, the cost was much higher than XXXX XXXX XXXX XXXX said it was. XXXX told me I had 14 days to cancel my service, but I'd still owe the activation fee of {$30.00} ( already paid ). 10 days later, I canceled my XXXX service, within the 14 day trial period. XX/XX/XXXX received collection letter from Credence Resource Management. Service had been canceled more than a month ago. Thought that was too soon to receive creditor notice, so I thought notice was illegitimate. Then I looked at my XXXX account online and saw the same amount was still owed, which further made me question the Credence debt. Disputed debt to credence via email. Credence told me they contacted the creditor and that the payment was still due ( without mentioning the name of the creditor ). I tried XXXX XXXX XXXX several times, each time the hold to speak to someone or chat with a human was 15 minutes or longer. I tried again, the wait was always too long. I understood that the 14 day cancelation period would allow me to not pay for the service since.
07/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08879	Web
I called CREDENCE RESOURCE MANAGEMENT and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX did not. I am requesting that these companies provide proper documentation supporting the debt.
11/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73120	Web
On XX/XX/2022 a collections notice was placed on my credit and I was notified via XXXX. Sadly I was unaware of any outstanding debt. A company called Credence Resources was the collections company that had filed on my credit effectively lowering my credit score by XXXX points overnight putting my business and borrowing abilities at risk. I contacted Credence as soon as they opened and was informed that there had been an AT & T account set up either in my name or social secruity number. I had never received any calls or emails attempting to collect this money becasue the account was clearly fraudulant. I have since notifiy the big XXXX credit bureuas of the fraud as well as XXXX and filed a police report. My biggest concerns is XXXX XXXX XXXX and Credence Resources severe neglect in not checking my XXXX current upstanding acocunts that have been active for many years now. How XXXX XXXX XXXX or Credence never called me or connected the dots that I have XXXX perfect accounts for multiple years ruining my credit with their negligance of checking social security numbers against existing upstanding customers.
06/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07002	Web
I am disputing this debt because I do not owe it. The creditor XXXX has apparently sold a debt that does not belong to me to a company, known as, " Credence Resource Management '' in the amount of {$330.00}. This company has not contacted me or was able to verify this debt belongs to me. I was notified of a collection on my XXXX report and disputed the amount immediately upon notification on XX/XX/2022. XXXX was able to verify that the debt does not belong to me and Credence Resource Management has the wrong SSN. XXXX confirmed the dispute and removal however, Credence Resource Management has once again reported a collection on my account as of XX/XX/2022. I called XXXX and made them aware who suggested to file a complaint in order to proceed as this collection is greatly affecting my credit history and credit score. I have had no issues with any credit in the past and have always been diligent on my payments. This debt is invalid, does not belong to me and is considered fraud on Credence Resource Management for trying to collect a debt belonging to the wrong person. This is an issue of identify theft.
11/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75154	Web
Debt collection company Credence Resource Management is reporting on my credit a debt of {$180.00} for XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/2021 requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out to XXXX, requesting the method of verification on XX/XX/2021 to the credit bureaus and was told I could reach out to Credence Resource Management directly. I sent another letter directly to Credence Resource Management on XX/XX/2021 requesting proper validation of debt. In response, I received a letter dated XX/XX/2021 stating that the dispute was received, and verified as valid, but no proof was provided. They then proceeded in request for me to call them directly by phone. But why, when I have established communication in writing by mail? I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75038	Web
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 339XX	Web
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights to privacy and confidentiality. 15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality. 15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent. 15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information provided is inaccurate.
01/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75181	Web
For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. About 2 months ago this item has appeared out of know where on my credit. I have no clue who Credence Resource Mana is nor have I ever done business with this copy. So I sent a Validation of Debt to the address provided by XXXX, XXXX, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, XXXX, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? I have a new born baby less than XXXX XXXX XXXX. How am I suppose to purchase a new car so I can get him to his new born Dr checkups?
09/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95688	Web
We decided to stop XXXX in XXXX, 2019 after being a loyal customer for 19 years. After speaking with a XXXX agent, she convinced us to suspend our account instead of canceling because we have been a customer for so long. I called back in XXXX, 2019 because I noticed XXXX was continuing to bill us. After speaking with another customer service representative, he said he noticed the problem and canceled the account at that time. He also said we would correct the bill and we would not be charged. In XXXX, 2019 we received a collections notice from XXXX XXXX XXXX for a {$160.00} outstanding bill with XXXX. I attempted 2 phone calls with XXXX and got the same response both times. They said I owed the {$160.00} and they could not remove the charges. They told me I could write a letter, print it and mail it to the XXXX disputes department. They said I could not email them and that there was nobody else I could speak with about this issue. I am completely appalled a company could do this to a long time customer. We have extremely good credit and don't want that taken away because of something like this.
06/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89104	Web
this is in regard to account XXXX. I reviewed my credit report and noticed that there was a new collection account from this company that appeared. I immediately sent them a letter for validation of this debt on XX/XX/2022. I received their response and they sent me a copy of statements which is NOT validation. I sent another letter out dated XX/XX/2022 asking for specific information to validate the debt which includes a copy of the contract bearing my signature. I received their response after that which included another copy of statements. In my letter I specifically stated " If you can't provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine. '' I filed a XXXX complaint which XXXX received on XX/XX/2022 and they stated that sent me copies of the billing statement from XXXX XXXX as validation of the debt. This is NOT considered validation of the debt as anybody can print out some statements and mail them to me. Since this company is unable to properly validate this debt I am demanding deletion of this debt from my credit report.
05/12/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 347XX	Web	Servicemember
I have attached my call logs from my cell phone from the last few months. I blocked one number so they started to use another. I have asked them to stop calling. I asked over the phone AND I mailed a letter to their office. Below each number is a list of the dates they called me XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once inXX/XX/XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once There is more seen in the call records for that number but I think those are sufficient for you to see the harassment from the one number alone The second number they started to use after I asked them to stop calling and blocked the first number is XXXX XX/XX/XXXX, so far once but its in the early afternoon so who knows if they will call again XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once I have now blocked this second number as well.
08/15/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75160	Web
I did business with XXXX XXXX XXXX XXXX, and terminated my business with them in XX/XX/XXXX. They sent me a bill which was inaccurate, and I challenged them on the charges without response. XXXX XXXX XXXX hired Credence Resource Management LLC ; for which this complaint is against. I did not contact Credence directly ; but instead disputed the hit on my credit file with XXXX on XX/XX/XXXX. XXXX denied the dispute on XX/XX/XXXX stating Credence had proven the debt. Credence sent me altered XXXX XXXX XXXX documents on XX/XX/XXXX, with obvious cut and paste portions to make it appear the bills were sent to me by XXXX XXXX XXXX in XX/XX/XXXX ; which they were not. I did a photo-scan of all the documents with notes and submitted them back to XXXX today ; XX/XX/XXXX to reopen and investigate not only the claim, but also the fraud Credence was trying to pass. I have not received any direct correspondence from XXXX XXXX XXXX for years, and my numbers and address have not changed in over 10 years. I would like to have my credit file corrected, and Credence investigated and penalized for fraud.
08/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11530	Web	Older American
2021 Identity Theft XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX posted to the Credit Bureau XXXX XXXX XXXX that I was in arrears on paying my XXXX XXXX XXXX XXXX XXXX bill in the amount of {$1100.00}. I do not have, nor never had an XXXX XXXX XXXX cell phone. XX/XX/2021 XXXX XXXX XXXX XXXX service provided by XXXX XXXX sent me an account XXXX that a Derogatory Item was posted to my credit report. XX/XX/2021 Contacted : ( XXXX ) XXXX XXXX XXXX to get the following information regarding the Alert : - Collection Agency : Credence Resource Management - Payment Due : {$1100.00} - Original Vendor : XXXX XXXX XXXX XXXX ( XXXX ) Spoke with Credence Resource Management and was provided the following additional information regarding the account in collection : - Account Opened : XX/XX/2021 - Account # : XXXX - Cell Phone # : ( XXXX ) XXXX - Home Address on File : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX ) Spoke with XXXX XXXX XXXX XXXX XXXX : Upon request from XXXX XXXX XXXX completed their online fraud investigation form ( XXXX ) XXXX XXXX XXXX Police in order to get a Police report generated
05/09/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SD 57401	Web
There is a debt from XXXX XXXX with this company. I have contacted them I was able to pay at that time but they declined to take a debit card payment for the total amount due that day. I felt uncomfortable that the company may not be legitimate as it seemed suspicious a collection company is not able to accept a debit card payment to resolve a debt in full so I told them I would research them and make sure this isn't a scam. I have not reached back out yet. However, Credence is calling me about daily multiple times a day to my cell phone which I do know is legal. However, today XX/XX/2023 I received a call to my cellphone while I was working so I sent it to voicemail to not interrupt my work and credence immediately called back in less than a minute from the call I originally rejected. Now I am at fault for my debt however I will not accept being harassed and being repeated called when I am unavailable. I know hanging up and redialing in minutes is against collections regulations and I would like to report this behavior and make sure it is put to a stop. Company - credence XXXXXXXX XXXX
01/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30087	Web
I noticed that I had an account in collection via my credit report for XXXX XXXX XXXX and this debt was being persuded by a company called Credence. I contacted the debt collection company and XXXX XXXX XXXX and requested this debt be verified and validated. XXXX XXXX XXXX did not have an account attached to my social or the account number given by Credence. I received a letter in the mail from Credence on XXXX/XXXX/XXXX with a billing statement. Upon reading through this document I discovered several inaccuracies including a billing statement dates of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX, the letter was dated XXXX/XXXX/XXXX, an non residential address, and an invalid account number given by Credence. I contacted the company directly about my worries about this obvious docted document and they informed me they received it directly from XXXX XXXX XXXX. I pulled my credit report and this debt is reported on XXXX/XXXX/XXXX. Credence is standing by their story that this document came directly from XXXX XXXX XXXX and they are demanding immediate payment.
08/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95125	Web
This has happened before with this " debt '', XXXX XXXX XXXX ( ambulance company ) has sold the debt to collection agencies - supposedly - which has already been paid in full by the worker 's comp plan. The worker 's comp plan tried to avoid paying the charges, but they are liable and I have written statements from them that they have paid off the debt. Subsequently, collectors allegedly acting on the behalf of XXXX then call me and claim the debt is still owed. It's clearly a scam due to XXXX being negligent in their care with personal information. The latest offender involved is " Credence RSRC '', the dead giveaway being collectors based in XXXX who have no personal information, no customer service skills ( aggressive, unrealistically pushy demeanor ), and a refusal to verify the debt ( ILLEGAL ). Use of robo calling - calls from numbers XXXX, XXXX - to appear local and legitimate. I've confirmed that this charge doesn't exist - certainly not on my credit report after nearly 5 years since the actual charge was created, clearly this is fraud and not a real collection attempt. Cheers!
11/18/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 92114	Web
On XX/XX/2021 someone from credence resource management called me about a debt, they broke several of my consumer rights which is, XXXX XXXX XXXX ( c ) ( a ) states that a debt collector may not communicate with a consumer without the prior consent and with credence resource management being a XXXX XXXX debt collector they didn't have prior consent to communicate with me regarding a debt, another law they broke was XXXX XXXX XXXX ( c ) ( XXXX ) which states that a debt collector can not communicate with a consumer at any unusual time, place known or which should be known inconvenient to the consumer, and last but not least is XXXX XXXX XXXX ( d ) ( XXXX ) a debt collector can not use obscene or profane language which the debt collector used when they stated I owed a debt so I'm requesting for monetary relief persuant to XXXX XXXX XXXX which is civil liability which states that a debt collection agency would owe a consumer XXXX dollars for breaking these laws and this debt collection agency violated XXXX of my consumer rights so I'm asking for a check in the amount of XXXX dollars XXXX
10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 727XX	Web
XXXX XXXX allowed an unauthorized user to discontinue service on my account without my knowledge. I found out about this through a collection agency and then contacted XXXX XXXX. They admired fault because my service should not have been able to be taken out of my name without my permission. Two years later this balance is back in XXXX XXXXs system and a new credit company, credence credit collection management has my account. I called both XXXX XXXX and credence and explained how this balance was resolved. XXXX XXXX said to call credence and ask them to give the account back to them because its frozen and they cant readjust it. Credence refuses to acknowledge that XXXX XXXX wants the account back and is being rude, wont let me speak to a supervisor and isnt trying to help me resolve this whatsoever. They just keep insisting the debt is valid. They finally said the account is under review, but said they cant give it back to XXXX XXXX when two XXXX XXXX reps told me thats the only way. My credit has been severely impacted from this now for almost 4 months and I need help. Thank you.
10/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44113	Web
I have 2 seperate collections through cell phone companies that I have never had knowledge of showing up on my XXXX Report. 1. {$10000.00} through 11 XXXX XXXX sent to Credence Resource Management on XX/XX/20. I have disputed the debt with XXXX directly, attempted to dispute it with XXXX XXXX and they told me they have no record of an account under my name or SSN, and I told the debt collector who called me that it was a fraudulent account and they said they would submit a dispute and I have never heard anything else from them. Despite all of this it is still on my credit report. 2. {$2300.00} through 11 XXXX sent to XXXX XXXX XXXX on XX/XX/20. I have also disputed this with XXXX directly and they told me they confirmed the account was valid, although I have never had an account with XXXX. I submitted 2 online disputes to XXXX Fraud unit online, the first time they told me I did it incorrectly and the second one is pending. I have never heard from this debt collector and when I called them they said they had no record of the debt. Again it is still on my XXXX rerport.
11/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 629XX	Web
I just got a call from a guy who first asked me to confirm my name, then said he was with a company that handles " business issues. '' He was speaking in a thick XXXX accent. He then proceeded to try to get me to confirm my address, which I wouldn't do. I told him he needed to tell me who he is with and to state the purpose of his call. He stuttered a bit. I started counting down from 10. He never told me a company name. I then hung up. I then called the number back and the name of the company is XXXX XXXX XXXX. Another guy answered with a thick XXXX accent. I asked him what their company does. He asked for my name. I wouldn't give it. He said he can't tell me anything about their company without my name. I told him that their business has a very poor approach to contacting customers and that I think I'll report them then hung up. Now that I've checked on the company, it seems many people have received similar calls and it's apparently a scam. It seems they claim to be a debt collector and once they get your financial info, you're toast. The number they called from was XXXX.
03/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Credence Resource in the representation of XXXX XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
08/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 61615	Web
I am again disputing my debt with XXXX. On or about XX/XX/2019 I received a new demand letter from another collection agency, this time Credence Resource Management LLC ( " CRM '' ). On or about XX/XX/2019 I requested validity of debt ( see attached ). On or about XX/XX/2019 I received a letter from CRM simply stating that the debt was valid. I called and spoke with a representative at CRM on XX/XX/2019, advising them that I had requested validity of debt, including but not limited to, invoices, contracts, copies of statements. When advising the representative of this, he only kept interrupting me advising me that I can pay a lower amount to settle. I continued to advise him that I had requested validity to prove the debt. He then kept trying to terminate the call. Please note, I have disputed this debt with another agency, reference # XXXX on or about XX/XX/2019. CRM will only validate the debt by saying 'it is valid '. I do not feel this is appropriate validity of debt pursuant to the FDCPA. I have not had XXXX in years, I have paid all balances when I closed my account.
04/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92130	Web
I had an accident and was transported to a hospital by XXXX XXXX XXXX XXXX on XXXX / XXXX / XXXX They are located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX CA. XXXX Phone XXXX . XXXX XXXX sent me a bill for {$2500.00} and I gave them my Health Insurance information ( XXXX XXXX ). XXXX XXXX paid them the contracted amount of {$2000.00}. Since they had a contract with XXXX XXXX they have agreed to accept that amount for their service. I do not owe them the difference. They sent me a bill saying I owed the difference. I called them with XXXX XXXX on the phone and XXXX XXXX confirmed that I did not owe them anything because they had been paid the contractual amount. They sent me another bill, I conference called XXXX XXXX again and we told them the same thing. Now they have sent the account to collections. I called them AGAIN and told them I do not owe them. XXXX XXXX faxed them an explanation of benefits to prove this. I am still receiving collection calls and letters.
04/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 601XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. CREDENCE RESOURCE XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You
08/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06489	Web
Credence Resource Management out of XXXX Texas call my husbands phone number looking for me. His Robo killer kicked in. I looked up the company they appeared to be legitimate. I called them back and received a live human being. I asked her what this was about and she said she did not know because my phone number was not in their system and therefore I probably did not have a debt. I asked her if Im not in your system why did you call me. She could not answer the question because she said she wasnt the person who originally called. she did say it had something to do with XXXX XXXX XXXX and XXXX. I was told that I was on a recorded line at which point I told her that this is a do not call number and she wants to forward my response to the higher-ups or to the appropriate department. Here is what I said to her, I am reporting you to the do not call list. I have reported them to the XXXX XXXX XXXX as well. When I got off the phone with her I pulled my credit reports to find that credence resource management did a soft inquiry on my experience report on XX/XX/2021.
05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85086	Web
CREDENCE RESOURCE MANAGE Account : for {$1300.00}, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with CREDENCE RESOURCE MANAGE and do not have a contract with CREDENCE RESOURCE MANAGE They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and CREDENCE RESOURCE MANAGE continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
03/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19720	Web	Servicemember
I was stopped in XXXX by a guy promoting XXXX XXXX XXXX products, I listened and I was interested. I was supposed to switch to their service when I received their new XXXX. I received it a couple of days after but for some reason it wasnt working. I contacted XXXX XXXX XXXX and actually went to their store while simultaneously asking for help from the guy at XXXX who was promoting their services. Eventually the phone couldnt work and I was advised by everyone at XXXX XXXX XXXX to send it back. I sent the phone back and I contacted XXXX XXXX XXXX plus the guy at XXXX. About a month after, I received a bill and I called them back. Everything was taken care of since I had never used their devices or service. Next thing I know was a debt collector company calling me all the time and sending me letters of debt. About a month ago I saw the debt reflecting on my credit but after reporting this and talking to both XXXX XXXX XXXX and the debt collectors, it disappeared from my credit report but Im still receiving emails about an outstanding debt. Please advise. Thanks
10/30/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60649	Web
I have received notification from Credence Resource Management LLC that I have 2 outstanding balances from XXXX XXXX XXXX. The first account, according to XXXX XXXX XXXX is for services at my former address of XXXX XXXX XXXX in 2015. I was no longer at that location in 2015. The second account, was supposedly for " new '' XXXX service initiated by me transferring service after the expiration of my contact. I have contacted XXXX XXXX XXXX asking for wording/documentation that this information is provided by them to the customer. To date I have not been provided with that information.I wrote a letter the XXXX XXXX XXXX The Office of the President, received one call from ( XXXX XXXX XXXX XXXX XXXX, prompt 1, prompt 1 then ext XXXX ) asking that supporting data for both outstanding accounts be provided and have not heard from her since. I have left her voice messages but no response. I do not owe XXXX XXXX XXXX for account number XXXX XXXX service 2015. I am requesting proof that I was advised that " new '' contract begins automatically after the old one expires.
11/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 956XX	Web
Ive received my XXXX communication from Credence Resource Management LLC for an XXXX debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the hospital and ambulance company and found out the person they transported was at a XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up in an ambulance, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives in XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage as Im a State of California Finance Officer. I want this company to remove my miaden name and address from their files and stop trying to collect from me.
07/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23834	Web	Servicemember
Collection on my credit report end of XXXX and then again XX/XX/XXXX. It was from XXXX and I have never had account with XXXX. I found that I was the victim of Identity Theft so I went through the process and filed FTC Claim and reported to other agencies, including putting Credit Freeze on all three Credit Agencies. I have excellent credit and always have, so these delinquent notices on my credit report is upsetting to me! The amount is {$1400.00}. Fast forward to today, XX/XX/XXXX, there is the same XXXX Debt on my Credit Report but it is from a Third Collections Agency! Today I was able to speak with a very cordial individual at Credence Resource Management Collections who said she was going to report this as Fraud to the back office of XXXX. However, this is the THIRD time I have been hit with the same debt that is not mine and was a result of Identity Theft. I also filed a dispute this morning with XXXX, Dispute Report # XXXX. And I am getting frustrated that XXXX keeps selling it to the collection agencies! Or at least, I think that is how it goes.
10/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90039	Web
I have already reported this to the XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Georgia Office ( Case Number : XXXX ) towards XXXX XXXX XXXX XXXX. This is a business scam and I want this completely taken off of my records. I was promised by 4 different live chat customer service agents of XXXX XXXX XXXX that when my equipment was returned that I would receive a credit back on my account for {$1000.00}. This would bring my balance to {$0.00}. I had successfully returned the equipment and after A YEAR of patiently waiting for my credit ti is still going through collection agencies. This is unacceptable and feels like a complete scam. Now no one at the company can give me any response now and I am getting the runaround. I have been transferred from department to department and hung up on. I would appreciate your assists on this as I feel that since I canceled my service with XXXX XXXX XXXX this is their way of retaliating back. I was a great customer for many years and would appreciate them doing business the right way and not scam their loyal customers.
03/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53224	Web
I was a customer of XXXX for over 15 years. I purchased my own phones outright. I transferred my service to XXXX XXXX in XXXX of XXXX. I paid the final T-Mobile bill and did not receive any additional mail, calls, or email from XXXX. In XXXX of XXXX, Receivables XXXX filed a collection account in the amount of {$270.00} on my credit report without contacting me. I sent the attached letter to Receivables XXXX and they did not respond. XX/XX/XXXX Credence Resource Management reported the debt to the credit bureau without any previous notification. Both Credence Resource Management and Receivables XXXX are debt collectors from XXXX. I wrote XXXX on XX/XX/XXXX and have not received a response. The letter to T-Mobile is attached. I am in financial services and this collection account has caused damage to me for a recent job offer. T-Mobile, Receivables XXXX, and Credence Resource Management has not responded to any of my letters. I do not owe XXXX any amount. I am requesting immediate removal of the collection account from all reporting credit bureaus.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 063XX	Web
I am reporting these two companies called as : CREDENCE RESOURCE MANAGE and XXXX XXXX XXXX for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$2200.00} when this charges were fixed and settled by their own presidential managers 3 years ago. I used to have this account and every time when I used to go out of the country my bill was over XXXX of dollars for internationally roaming charges. Therefore, I had reported to XXXX XXXX XXXX as fraudulent action that XXXX XXXX has taken to get money from people like myself. XXXX contacted and submitted my complaint to XXXX XXXX and some XXXX which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this CREDENCE RESOURCE MANAGE do not understand it and refused to take it out of my credit report. XXXX XXXX should have records of their mistakes and complaints from XXXX on file against them, why are they not revising that?.
05/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 99336	Web
In XXXX or XXXX, a debt that had fallen off my credit report in XXXX was put back on my report. This was a debt from XXXX, so I disputed it and asked the company to send me the information on the original debt as well as when they acquired the debt and explain how and why it was on my credit report in XXXX because as far as I knew I had no account with them or XXXX XXXX XXXX currently & I had received no kind of correspondences prior to XXXX of XXXX. When I received the letter from them it contained what looked like a bill from XXXX XXXX XXXX stating that I owed {$140.00}, dated XXXX of XXXX. I was confused since I currently have no account with XXXX XXXX XXXX and was given NONE of the information asked for. When I called I was told that they had acquired the debt in XXXX, again I received nothing from them, and they restarted the debt then. When I told her it was illegal for them to restart a debt from XXXX just because they purchased it in XXXX of XXXX, I was hung up on. I live in Washington State and I don't think that this is a fair or legal practice.
11/24/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 926XX	Web
I have already disputed the illegitimacy of this debt with credit bureaus successfully, twice. After the first successful dispute in XX/XX/XXXX, Credence Resource Management passed my account off to a company called XXXX XXXX in the summer of XXXX. After another successful dispute in XX/XX/XXXX, Credence Resource Management is back to contacting me trying to collect on an amount that I do not owe. My accounts with XXXX are settled and their billing after my cancelation included multiple duplicate charges that are fraudulent. All of this has been explained to Credence Resource Management, Receivables Performance, and credit bureaus ( XXXX, XXXX, XXXX ). Credence Resource Management now says if I pay them the amount that I do not owe they will consider the account closed and not report it again ( for a third time after two successful disputes ... ). Credence Resource Management says if I do not pay them within 30 days ( as of XX/XX/XXXX ), then they will go back to reporting this illegitimate debt to credit agencies again despite two successful disputes.
07/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN XXXXX	Web	Older American, Servicemember
> Two ambulance rides were provided for a Veteran on XX/XX/XXXX by XXXX XXXX of Indiana. > Two claims were submitted to the VA for payment : # XXXX and # XXXX > VA paid # XXXX o n XX/XX/XXXX in amount of {$300.00}. EFT # XXXX VA paid # XXXX on XX/XX/XXXX in amount of {$290.00}. EFT # XXXX > XXXX XXXX claims to have no record of payment for # XXXX ; and sent Credence collections agency to seek payment from the Veteran directly. Previously, another collections agency was also hired to seek payment for both claims from the Veteran. > Despite being given the Electronic Funds Transfer number, the Tax ID to which it was paid - # XXXX and the bank account to which it was transferred - XXXX Acct. - XXXX , XXXX XXXX refuses to acknowledge payment and has only placed this account " on hold '' rather than closing this claim. > As a result of this process, the Veteran has suffered severe stress and has had his credit damaged for a debt that he was never responsible for and a debt that was satisfied by the VA as documented.
12/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43213	Web	Servicemember
As of today I have talked to Credence Resource Management about and old XXXX XXXX XXXX XXXX XXXX XXXX that I paid to different collections agency as a settlement in full in either XXXX or XXXX. They have managed to place this debt on all three of my credit reports and update said reports every 2 weeks bringing my credit score down at least XXXX points each time for so-called nonpayment. They say I owe XXXX XXXX XXXX {$1100.00}. I have returned all the equipment back to them so that bill should be much lower than that. Anyway, they need to do their research and find out when exactly that bill was paid since the last collection agency bought the debt FROM XXXX XXXX XXXX they did not have to tell them when it was paid because it was no longer an XXXX XXXX XXXX it then belonged to THAT collections agency. Since the pandemic XXXX XXXX XXXX XXXX not have updated their systems or maybe there is a glitch in their system as to how many OLD XXXX XXXX XXXX customers who are NO LONGER customers of XXXX XXXX XXXX owe or do NOT them money ... I am NOT one of them.
02/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94531	Web
ATTENTION TO CREDENCE RESOURCE MANAGEMENT ( 11 XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company CREDENCE RESOURCE MANAGEMENT in XX/XX/2019an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
07/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
Since XX/XX/XXXX Credence Resource Management frequently harassed me in attempt to collect an alleged phone bill debt I owed. I asked them to verify the debt, they ignored the dispute letters I sent and reasserted their claim I owed {$690.00} on my XXXX credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. On XX/XX/XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report derogatory information on my XXXX credit report. Given that Credence Resource Management acted in bad faith, and have not complied with federal and state laws, I told them I will seek damages against Credence Resource Management seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
07/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70360	Web
CREDENCE RESOURCE MANAGEMENT, LLC with Phone # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, is continuously trying to collect a debt from me that is for a person with the same name as I. We have gone through the process with them of verifying that I did not ever live at the address in question and last XXXX digits of my Social Security Number do not match but they continue to repeatedly call. I have checked my XXXX credit report and no debts show up in collections. As of today they have somehow got hold of my company cell phone number and have called me on again about this debt. Each time they initiate this procedure they act like it is their first attempt to collect this debt. This is not the first time this has happened, I am assuming this company purchased this old debt form another debt collection agency. I had written the prior agency to inform them the debt is not mine and to end all contact. I am assuming this will continuously happen again if I do not report this to the proper agency because this has been going on for over 3 years.
12/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 431XX	Web
This company has bought this debt from another debt collector as it has been sold XXXX times now because its removed off my credit report as its not my debt. This is a fraudulent account. I have never had any debts with this company or the company it represents. All my accounts are in excellent standing and then right before XXXX when times are tough this company adds an account on to my credit that isnt mine. This is turn had caused me hardships and other credit card companies questioning my ability to pay and also I was turned down for a credit card and refinance on my vehicle. Its caused me sXXXX XXXX and XXXX and I have reported this account as fraud with the credit bureaus. This company never tried to contact me or never sent me a debt validation letter before adding this on to my credit or doing any due diligence to see that this is a fraudulent account. I have made a a complaint with Ohio General attorneys office and I want this removed off my credit immediately as Ill be seeking compensation for damages that is causing me XXXX XXXX XXXX
03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14227	Web
In XX/XX/2022 I was alerted by my XXXX credit alerts that an account that was opened in my name and social had gone into collections. I opened my account to see that it was from XXXX XXXX XXXX who is attempting to collect the debt for XXXX XXXX XXXX. There are based out of Texas. A phone plan was opened in my name and social and never paid for. I am a victim of identity theft. But the phone number used to open the account was not mine. It was ( XXXX ) XXXX. Ive had the same phone number with T-Mobile since I was XXXX XXXX XXXX and that is XXXX. I did not open this account and have had several accounts opened out of Texas in my name. The amount owed is XXXX. This person living there has my information I assume and has been opening whatever they can in my name. A XXXX XXXX XXXX account was just opened in my name in PA as well. This is an ongoing thing that Im trying to stop because it is ruining my credit and my life. I had good credit before this and have been fighting for months to keep getting all these accounts being opened off of my credit.
05/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34953	Web
Sent collections agency ( Credence Resource Management ) 609 letter to validate the debt. I did not receive any of the information requested. The letter was dated XX/XX/2020. This well past the 30 days. XXXX advised me that I needed to contact CFP for some resolution. Below were the information that I asked for. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
04/14/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 660XX	Web
I was having internet connectivity issues nonstop and closed our att account due to thier service. We do not have a drop of location nearby and needed a shipping label. We were able to get with someone to get us the shipping lable and sent off the equipment the same day In XXXX! Not thinking anything of it in XXXX, This Creditor is on my report. We immediately contact XXXX ( XX/XX/XXXX ) to find out that att never processed the returned equipment. We never received a bill from att or anything, they just automatically sent it to collections! We had the shipping information and even delivery date. They have slowly started processing the returns. But this Creditor should have never been on my report. XXXX had thier equipment and should have never sent that to collections. I have a text log with att in regards to this along with proof of delivery/shipping information sent to us from XXXX This was an inaccurate and unjust bill sent to collections by XXXX. They had their equipment returned before sending this to collections and did not process it.
04/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 074XX	Web
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometimes on XXXX, XXXX, I recently received a collection letter from CREDENCE RM, trying to collect on an alleged debt with XXXXXXXX XXXX XXXXXXXX I need this collection to stop contact me regarding this Debt because it's not mine and it needs to be remove from my credit report, because it is part of an issue with Identity Theft and that account has been re-inserted. That account was disputed on Identity package that was submitted XX/XX/2020 ( See attachment ), I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
01/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 217XX	Web
I contacted XXXX XXXX to commence services with them and was told that my monthly bill for two years would be around {$55.00} per month. At the end of the first year, I received word that it would be doubling. When I called to inquire about it, one of the " customer service representatives '' told me not to worry about it, but she would lock in the first year 's amount for the second year. This did not happen. I tried multiple times to work with XXXX XXXX, but to no good end. So, I cancelled my service and I was told that I had to pay them several hundred dollars for the remainder of the contract. I told them I would continue to pay my monthly bill until it was paid in full and throughout the remainder of the contract. They told me they would turn my bill over to a debt collector. Today, I received the attached document in the mail from Credence. I tried to tell the gentleman that I would continue to pay on the bill until it was paid in full. He said, " We don't have that much time. '' I am able to pay them {$44.00} for the next four months.
12/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28217	Web
I received a bill from Credence Collection stating that I owe XXXX XXXX XXXX XXXX {$140.00}. That is not possible. Why? Because I returned all equipment to XXXX XXXX XXXX and I even received a VISA giftcard for approximately {$140.00} for amounts overpaid. I disputed the amount with Credence and sent them a certified letter with copies of my last XXXX XXXX XXXX bill which showed that I did not owe XXXX XXXX XXXX any money and that XXXX XXXX XXXX showed that I had a credit balance. I received a letter in the mail today that was dated XX/XX/XXXX by Credence. The letter states that XXXX XXXX XXXX verified that my charges are valid. I need someone to get to the bottom of this a fix this problem. Apparently, there is a lack of communication between Credence and the original creditor and Im the one who has to deal with the headache of potentially having my credit damaged for an account that I do not owe. On XX/XX/XXXX, I received a bill for {$300.00}. On XX/XX/XXXX, I received a bill for {$140.00}. Why two different amounts all of a sudden?
05/08/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77095	Web
On XXXX XXXX XXXX central time, a representative from Credence Resource Management , called my home phone that is listed on the Do Not Call Registry, and my minor son answered the phone and they told my son that they asked for XXXX XXXX XXXX, my son informed that I wasn't home and the representative informed him that they were calling about a legal matter. My minor son called me and gave me the number and when I called the number back I spoke to a XXXX XXXX XXXX # XXXX, who then stated that she was calling from Credence Resource Management a debt collection company. I asked her for her name, rep number and the name & address of the company, in which she delayed by then gave me the information I requested. I informed her that they were in violation of Federal Law, FDCPA for pretending to be someone else, calling my phone when I never gave them permission in violation of the TCPA and Do Not Call Registry, alone with my name XXXX XXXX XXXX XXXX is copyrighted and they were never given any permission to use the name or to contact me my phone.
04/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32086	Web
I called to cancel my service with XXXX in late XXXX XXXX, 2019, because the equipment was not working. They said they would, but I never received a confirmation. When I didn't receive a confirmation, I called again. Again, they said they would cancel my account. But they did not cancel my account. I called a third time, and mailed a letter, to cancel. This was finally acknowledged, and they canceled my account in late XXXX. However, they charged me for XXXX, even though the equipment wasn't working ( and I tried to cancel twice previously ). They sent the account to Credence Resource Management , LLC, and I have to continually dispute this debt. I sent them the evidence that I sent to XXXX in the mailed letter that finally resulted in them acknowledging my cancelation. They keep contacting XXXX, and XXXX says it is a valid debt. It is not a valid debt. They did not honor my cancellation until the 3rd time I contacted them. You can not charge me for what I did not agree to pay for and additionally, when service was not provided.
01/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73120	Web
A " Credence Resource Management Group '' out of XXXX, TX identifying themselves as collection representatives of XXXX XXXX XXXX have been calling me ( from telephone numbers XXXX and XXXX ) non-stop harassing me for a week on my cellphone without my permission since having had a fraudulent debt removed from my credit on XX/XX/XXXX for a second occasion per the three credit bureaus. On the first occasion this entity appeared on my credit there was a reflected dollar amount of {$740.00} erroneously showing outstanding where the amount was successfully disputed per me on XX/XX/XXXX and subsequently deleted per the three credit bureaus on XX/XX/XXXX. " XXXX XXXX XXXX XXXX '' then on sometime several months later fraudulently and illegally re-reported the same debt as a new account with a slight variant of the balance at {$720.00}. On XX/XX/XXXX this same debt was, again, removed from my credit per the three credit bureaus. This entity has been calling me non-stop on my cell phone without my permission illegally harassing me since then.
12/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 79924	Web
The above is not really what I 'm reaching out to file a complaint. What happened was that I was sent to a debt collector by my wireless carrier ( XXXX XXXX XXXX ) by the name of Credence Resource Management, LLC. This collector offered me a settlement amount which I paid as of XX/XX/XXXX. I was told my payment settled the account in full and that the creditor ( XXXX XXXX XXXX ) would be notified in a few business days. I verified that and was not done so they sent a receipt to me letting me know they had reached out and notified XXXX XXXX XXXX. I received a letter this month from another debt collector by the name of XXXX XXXX saying I owe a remaining balance. So it appears that Credence Resource Management, LLC. did not settle my debt instead only paid a partial amount. I contacted Credence on XXXX XXXX, 2015 to see why they did not follow through on what I was told and had in writing on their receipt and assured in 3 business days it would be taken care of. I gave them 4 business days and they have not come through, yet again.
02/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 705XX	Web
I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource ManagemenXXXX. This was NOT a request for verification or validation. This was a request for proof of contract to substantiate Credence Resource Management 's claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$260.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
08/04/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33463	Web
I had cell phone service with XXXX XXXX XXXX XXXX . My number with XXXX XXXX XXXX was XXXX . It shows Account No XXXX as the creditor account # on this collection notice from Credence and their reference no is XXXX I received. On XX/XX/XXXX , I canceled my service with XXXX XXXX XXXX and transferred to XXXX . In XX/XX/XXXX I received a balance notice and called XXXX XXXX XXXX and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of XXXX XXXX XXXX and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.
12/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17042	Web	Servicemember
This account ( {$590.00} ) was disputed and investigated twice before, 1st time with Credence Management on XX/XX/21 in which it was closed and removed after discovering that the services rendered from XXXX XXXX XXXX were to a California address. I have never lived in California. The second attempt to collect this dept ( {$590.00} ) was from a company called XXXX, I believe that they were associated with XXXX XXXX XXXX. This second dispute took place around XX/XX/21. I believe this account was sold or passed along to XXXX by Credence Management. This account was also deleted from my credit report after they deemed that it was not my debt, because I have never lived in California. I also remember filing a fraud report through CFPB ( Consumer Financial Protection Bureau ) for XXXX XXXX XXXX, and also for XXXX XXXX and XXXX. Even after all the investigations, and having the account closed and removed numerous times, this company still manages to try to tie it to me via my credit report and trying to ruin my credit in the process.
10/27/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53224	Web
I received a call from a company Ive never heard of called Credence Resource Management about an old balance from an old phone bill. The very first day I let the company know that I am not working and wont be able to make any payments until I have income coming in. I also stated that I was looking to pay it off or at least majority of it once I got my taxes. The collector kept trying to get me to set up an arrangement, telling me that I might not have a chance to be in good standing with them if I wait until then & have me put my card information in for the arrangement which I kept telling the caller i would have to verify it, I do not have the money, & dont know when I can even make arrangements. They call me everyday from three different numbers with the last 4 numbers somewhat similar or different than the others starting as early as XXXX XXXX for the last two weeks. The last conversation I told them to send me the information through mail because I need it in writing & they still continue to call, some days at least twice.
05/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 760XX	Web	Older American, Servicemember
I receive noticed from XXXX XXXX that my credit score dropped XXXX points. I looked up my credit and a company called Credence placed a negative remark on my credit report about collecting a debt. The are representing XXXX XXXX XXXX XXXX. I do not have any idea what this about. I have not purchased any products from XXXX XXXX XXXX XXXX. If it's about wireless service I purchase my phones from XXXX only. They are stating the purchase was made on XX/XX/2021 for {$1200.00}. I called XXXX to dispute the negative report and I'm still waiting to hear from XXXX The other agencies state that negative reports are not on their file. I received a letter from Credence yesterday wanting me to fill out a fraud report for XXXX XXXX XXXX XXXX. I called Credence yesterday and it keeps sending me to XXXX. I do not want to fill out any documents until I know what they are claiming that I bought. I looked up Credence on the web and there are many other people complaining about Credence making fraud claims. I prefer to talk to someone in the XXXX.
03/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93001	Web
I would like to dispute a collection account with credence resource management. They claim I owe a {$1000.00} debt to a company named XXXX, for an account that originated in Michigan. I live in California. I have lived in California my entire life, 40 years. I have never been to Michigan, I know 0 people in Michigan. 1- I have never had an account with XXXX. I called XXXX, and they have 0 history of my ordering service. 2- Your collection company told me the original account was located in Michigan . I have never been to Michigan. I live in California. 3- I have contacted XXXX , XXXX and XXXX. 4- I have contacted a lawyer and given her all of your companies information. 5- I am seeking other forms of legal aid and will not stop until this is resolved. THIS COLLECTION IS FRAUDULENT AND I WILL NOT STOP UNTIL THIS PROBLEM IS RESOLVED!!! XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2020 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1000.00}
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48146	Web
This account has been persistently popping up on my report since XX/XX/2022, and is a result of identity theft. I have already submitted my Identity Theft Report to XXXX through the CFPB XXXX. I first noticed this account in XX/XX/2022, at which point is started fighting it. It was being reported by Credence Resource Management. After disputing and proving that it was identity theft, the account was removed from my report. THEN XXXX sold it to XXXX XXXX, who attempted collecting on it. I again submitted an identity theft report, along with additional documentation proving that my identity was stolen and being used. The XXXX XXXX went off my report about 2 months ago, and XXXX is now trying to collect AGAIN through Credence Resource Management who is calling me telling me I owe them for XXXX. I demand that XXXX THROWS OUT THIS ACCOUNT AND STOPS HARASSING ME OVER AN ACCOUNT THAT I HAVE THOROUGHLY PROVED TO NOT BE MINE. All contact regarding this matter should be sent to XXXX XXXX, my attorney will handle it from here.
08/04/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33463	Web
I had cell phone service with XXXX XXXX XXXX XXXX . My number with XXXX XXXX XXXX was XXXX . It shows Account No XXXX as the creditor account # on this collection notice from Credence and their reference no is XXXX I received. On XX/XX/XXXX , I canceled my service with XXXX XXXX XXXX and transferred to XXXX . In XX/XX/XXXX I received a balance notice and called XXXX XXXX XXXX and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of XXXX XXXX XXXX and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.
03/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 410XX	Web
I received a letter in the mail yesterday addressed to my misspelled maiden name from Credence Resource Management , LLC regarding a XXXX XXXX bill in the amount of {$560.00}. I called XXXX at XXXX on XX/XX/2019 lasting 16 minutes. I advised the female representative the account number on the letter and address and that my name is not correct and I do not have this account and would like a copy of the contract or proof that this is my account. I did not provide any additional information to verify this is my account and she gave me all of the account information and said I needed to pay this and that it was in fact my account. She gave me an email address that was different than the one I provided. I asked to speak to a supervisor. XXXX was the name of the supervisor that I advised I would not give my last 4 of social security number to and only provided the spelling of my correct maiden name and requested the contracted proof of ownership. I advised that I am disputing the debt and they did not follow the FDCPA guidelines.
05/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37064	Web
I saw on my XXXX XXXX that Credence Resource Management is claiming I owe XXXX XXXX XXXX {$3400.00}. I never received any communications from them, and was only made aware of this alleged debt, when I checked my XXXX XXXX. I emailed Credence requesting copies of supposed signed contracts. They can not provide them. There are multiple phone numbers on this account that I am unfamiliar with and want to see copies of signed contracts they are claiming exist. I also requested copies of itemized bills and they have not provided them either. This account is fraudulent and Credence is currently being sued for these same actions against others in a class action suit. I am learning of this collection that is apparently from an account from 2008. They are in violation of numerous Federal laws and statutes, and they have just informed me via email, that they will not communicate with me anymore because I am demanding these documents which I am entitled by law to see. This account needs to be removed from my credit report immediately.
04/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94303	Web
XXXX XXXX Reporting : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX,. XXXX, TX XXXX. XXXX REF # XXXX I spoke with XXXX customer service about closing the account. I was told at the time time of closure I would be billed for any remaining balance and then the account would be closed. I was told by XXXX XXXX Department the exacat same information. I was told by XXXX. XXXX supervisor ID XXXX the same thing, and that my account was not flagged, delinquent nor were there any notes indicated that I ever owed any money. I have spoken to multiple Credence Resource Management ( CRM ) representative as well as three XXXX representatives on the phone. Recently I spoke with XXXX XXXX, a ( CRM ) supervisor, who refused to help resolve the issue. I now get harassed and I have spent more than 6 hours trying to fix a {$120.00} error that is not mine. It's obvious that this is an error and should be zeroed out. Please resolve this now and let me know when it completed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
08/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33062	Web
I just received an alert from XXXX regarding a collection for XXXX XXXX, this company has not notified me of the debt for me to tell this this debt is not my and that I previously had argued with another collection agency regarding the very same company. this collection agency has put on my credit report the collection as of August of this year with no phone number no date or anything regarding the debt. If they would have contacted me I would have told them that XXXX XXXX was sending bills to an address that was not mine nor where the charges on the account. I am not responsible for the debt due to fraudulent activity on the account that I no longer had and was with another XXXX service. this company is very fraudulent by putting activity as if it just happened not notifying the consumer to give them the legal XXXX days to show that it is not their debt. this company should get in trouble for the illegal tactics. no phone call, no letter, no chance of thirty days to argue just put it on and drop my score 25 points.
02/22/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MN 55369	Web
I need to file a complaint On behave of XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In regarding to your response to the CFBP on XX/XX/XXXX You CRM has ceased a collection activity regarding this matter and A fraud packet will be mailed to me to be completed and returned. However I beg the differ on your behave! On Friday I received a letter from Credence dated XX/XX/XXXX stating that they had verified this debt. see attached file. all I got from this company is a list of TV Channel 's and some prices typed on plain Paper So it's clearly a lack of Communication at your office. What Info this company sent to me is not the Proper way of validating a debt Per the FDCPA. Your office have had 30 days to send me a proper debt Validation and you have failed to do so. Therefore I will Not Talked to your company any Further! If you have put anything On my credit reports about this Matter I demand it be removed ASAP. Due to the None Validation of this account! I will take legal matters to its Fullest! THANK YOU XXXX
12/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80128	Web
My SSN was hacked or accessed in fall of 2022. Multiple credit cards were attempted to be opened ( most credit card companies called/thought it was fraud so I was able to stop it ). Even though these actions were done, an account from XXXX XXXX XXXX for an amount of {$1400.00} was added to my credit report, from a debt collector, Credence Resource Management. I filled out the identity theft packet that Credence sent me to file it as theft, and talked to them on the phone ( today XX/XX/2022 ) and they said XXXX XXXX XXXX communicated back to them stating it was invalid and that I owe the {$1400.00}. Credence now said they will resend the same packet for me to fill out to start the process over. I have not heard anything directly from XXXX XXXX XXXX besides confirmation emails that they received my theft application. I DID NOT open this account and am trying to take all measure to close it and show that it was fraud. I want to get this account deleted off of my credit report ASAP and any help would be greatly appreciated.
08/16/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 93065	Web	Older American
On XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had to be taken by XXXX XXXX XXXX, XXXX XXXX XXXX. I was told by the hospital it was covered by insurance, only to find out later this ambulance service accepts no insurance! They are billing me {$8300.00} for a one way trip to the facility she needed to go to. In addition, they are charging me another {$1700.00} plus dollars for a 10 minute ride to the hospital from my house! These charges are beyond excessive. I wrote XXXX repeatedly and explained to them I can not afford this bill. I asked for financial reprieve under finaicnaoil stress situation. They never responded. I am a single mother. My children 's father XXXX XXXX XXXX XXXX years ago. Now they have me in collections. This bill falls under the " No Surprises Act '', as I have private health insurance and this company would not accept my insurance. You are not given a choice at a hospital which ambulance to use. Their XXXX XXXX XXXX program is only for those at federal poverty level.
08/15/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CO 80831	Web	Servicemember
Credence Resource Management LLC tried to collect payment from my father, XXXX XXXX, who is XXXX years old and doesn't take care of his financials. I am the one who takes care of all his financials, XXXX XXXX, his daughter. When he got the first of 4 calls he had asked where the they had sent the bill because we had not received one in the mail. He requested them to mail the bill to his home address and they continued to harass him. I finally called XXXX and found out they had the wrong billing address in the first place and this was why we had never received the bill the first place. They, XXXX, in turn sent the bill at that time. After three phone calls from Credence we finally got them to mail the bill as well. After receiving the bill I called them and told them I would be handling the payment as soon as possible which means in the next day or two. They harassed me to make the payment by phone that day. I am currently making that payment by phone so we can quite being harreased by such an unprofessional company.
07/16/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31069	Web	Older American
XXXX XXXX XXXX internet account # XXXX was closed on XX/XX/2018, in connection with the sale of our home and a move to another geographic location. At that time we were verbally assured by an XXXX XXXX XXXX representative that because we were moving to a location not serviced by the company ( XXXX XXXX ) our account would be closed with no further liability to us. On XX/XX/XXXX, we received an invoice in the amount of {$140.00}, an amount that was described as an " early termination fee ''. On XX/XX/XXXX we again contacted XXXX XXXX XXXX, via telephone, and we were advised to disregard the invoice, and again, assured that no further fee was due. We subsequently called the company in XXXX of 2018, and received a confirmation from them that our account contained a " XXXX balance '', and that it was closed. That original {$140.00} charge was, instead, sold to a collection agency ... XXXX ( XXXX TX ), who then subsequently demanded payment from us and issued a negative report to the various credit reporting agencies.
01/21/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WA 99206	Web	Servicemember
In XXXX of XXXX automatic payments were set up to pay XXXX XXXX XXXX XXXX for 12 months to pay an ambulance bill outstanding for XXXX. Because Im retired and on a fixed income I asked if this amount could be lowered. They agreed but said there would be fees. They sent me the paperwork which I filled out and sent back for a lower payment of XXXX. In XXXX I received a precollection notice stating that my payment hadnt been made. All this time theyd been receiving the initial auto pay of XXXX as the lowered amount hadnt been processed. I called back to find out what happened and a young man looked up my account, apologized and agreed that my new amount had indeed been processed and was now {$51.00}. I modified my auto payments based on this call. Since then Ive received a collection notice and phone call saying I wasnt making payments. I refused to argue with the collector in XXXX of XXXX but then received another collection notice on XXXX XXXX. I called back XXXX XXXX and was told my auto payments had been denied.
04/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85037	Web
I received a phone call from a representative at Credence Resource Management ( he stated that his company 's mailing address was XXXX. XXXX XXXX, XXXX XXXX, Michigan ). He attempted to verify my name and address without stating that the call was from a debt collection company. He addressed me by my maiden name ( I changed my name when I married three years ago ) and told me that they had an address on file for me in a state that I have never lived in. He stated that the call had to do with XXXX XXXX, but did not say whether he was trying to sell me XXXX XXXX or collect a debt for XXXX XXXX. I have never purchased XXXX XXXX in my life. He continued to try to verify my address and I refused. I looked up his company online and found that it was a debt collection agency. I told him that it was illegal to obtain information from a consumer without first stating that he was a debt collector. I asked to be transferred to his supervisor. I reported him to his supervisor and asked to be placed on their do not call list.
01/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90066	Web
1- I had already submitted a complaint, as the collector has been harassing me for a debt that I do not owe. 2- The company- Credence- harassed me with repetitive phone calls in XXXX as well. Calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, twice on XX/XX/XXXX at XXXX and another right after that I answered and hung up after it was confirmed that it was Credence collections again, to which I had to block just to sleep through the night. They have again started calling me at early hours for the last two weeks. 3- In my first complaint, I state that the debt they are trying to collect was a mistake confirmed by the company that sold them the debt. The company XXXX XXXX XXXX XXXX, lost a router in the mail during peak quarantine, to which they later found and confirmed they had found it. They still sent the amount for that router to collections and still havent resolved the issue. This is still the root issue. 4- this is been going on for TWO years. When will this end? I am not at fault and I dont owe any debt.
05/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 365XX	Web	Older American
This disputed collection action came about ( late 2020 ) as a result of XXXX XXXX 's desire to punish a long-term customer for demanding a termination of service. No contract existed at this time. When I was notified through email ( not in writing ) that there would be a nearly 100 % price increase to {$140.00} ( partially through lost or expiring discounts and credits ), I immediately called customer service and requested termination of service. This termination request came within a few days of the new billing cycle encompassing the price increase. I requested that the service be cut immediately so that they would be owed nothing. They failed or refused to cut the service when requested. This verbal notification was supposed to have been recorded by them for training purposes. In the so called investigation by XXXX and the collection agency, no attempt was made to recover the recording-obviously, the facts must not get in the way. XXXX has turned this over to collections, and are attaching my credit report.
04/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DE 19904	Web	Servicemember
XX/XX/XXXX Credence Resource Management put an account into collections on my credit report. I dont recognize Credence as a company that I have a contractual relationship with. I wrote Credence Resource Management a letter asking for contractual proof that I owe them. Credence Resource Management responded with a letter stating they verified my account with the original creditor and said I owe the payment. I called Credence Resources Management and spoke with XXXX XXXX ( XXXX ) in reference to my claim. He informed me that the account was closed by the original collector in XX/XX/XXXX. I informed XXXX that the account is time barred and Id like him to remove account from my credit report. XXXX stated he couldnt remove account without permission from original debater. Had I not monitored my credit report I would not know that Credence Resources Management was out to collect a debt from me. Because they put this unconfirmed debt on my credit report, my score has decreased and it hurts my credit rating.
02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$230.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
07/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11746	Web
I have been the victim of repeated identity thefts and having to use my own time resorted to freezing my credit at all the major credit agencies. Yet somehow XXXX claimed I rang up over {$1000.00} in charges and then passed/sold ( I was not a party so I do not know ) " my '' debt on to collections agency who then proceeded to file a collections report to at least one credit bureau XXXX All this happened without either XXXX, or Credence Resource Management using ANY attempt to contact me. Only when my own third party firm notified me of a drastic drop in my credit score did I see that XXXX reported a collection against me by Credence Resource Management. How are these two companies allowed to claim I owe them money, and then use XXXX to damage my reputation, and make me use my valuable time, to correct their errors? To fix their errors, they wanted an absurd amount of personal information, including SS # etc -- Why would I trust any company that just facilitated fraud against me with this information?
07/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 92692	Web	Older American
Rural metro ambulance co. Provided service on XXXX/XXXX/XXXX. XXXX XXXX submitted their {$1300.00} claim to XXXX XXXX / XXXX XXXX on XXXX/XXXX/XXXX. The claim was denied by the insurance company due to XXXX XXXX " untimely billing '' by not submitting the claim within 90 days as required by law. XXXX XXXX XXXX confirmed that they notified XXXX XXXX of the decision XXXX/XXXX/XXXX and XXXX XXXX DID NOT APPEAL or RESPOND to XXXX XXXX XXXX 's refusal to pay the claim. XXXX XXXX XXXX sent XXXX XXXX the EOB stating the the patient ( me ) has XXXX Resonsibility for the {$1300.00}. AND DO NOT BILL THE PATIENT FOR THIS SERVICE. XXXX XXXX XXXX XXXX Sold the debt to Credence debt collections and they are now demanding payment of {$1300.00}. I called Credance collections and told them them the information about XXXX XXXX negligent billing and the denied claim and the company not RESPONDING/appealing to XXXX XXXX care. As per XXXX XXXX XXXX & XXXX XXXX AND MY EOB I am NOT RESPONSIBLE FOR THIS BILL OF {$1300.00}
10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 326XX	Web	Older American, Servicemember
Credence Resource Management LLC ( XXXX ) continues to call our home on a regular basis. They have phoned here on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They are searching for a XXXX XXXX according to the last caller. I have explained we do not know a XXXX XXXX, No XXXX XXXX resides here and never has and this is a newly issued phone number by XXXX XXXX which has been in our name for only 4 months. I have explained that we are on the National and Florida DNC registry and have requested they stop calling us and to remove us from their call, skip tracing, debt collection list. Regardless of what we say to them, they continue to call and persistently harass us daily at all hours of the day and night. The debt they are attempting to collect is not ours, never has been nor do we have any association with this company or the individual they are searching for. This is nothing short of pure harassment and they have continually bothered and pestered us with this issue.
02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 07508	Web
On XX/XX/XXXX, I received an alert on my personal credit report, stating that a collection was placed on my report in the amount of {$430.00}. I immediately disputed the collection, stating that it wasn't mine and it was illegally placed on my report without prior notification, not allowing me to dispute the item. The first dispute letter was return as " not a deliverable address ''. The company removed the collection from my XXXX and XXXX credit report, but it was still on my XXXX report. I then wrote a follow-up letter on XX/XX/XXXX, disputing again, asking that the collection be removed. The second dispute letter that I wrote was returned again, stating " not a deliverable address ''. This collection is still reporting as of today on my XXXX credit report, which is affecting my personal credit score. There is no way to reach out to this company as the address listed is incorrect and there is no phone number listed. I would like this collection removed immediately from my personal credit report.
05/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
In XXXX, I switched phone companies from XXXX to XXXX XXXX XXXX. The first few months of being with them were good but down the line, I realized that 1, they were charging me almost {$200.00} for a one line phone on top of charging me and other $ XXXX for tv and internet. In XXXX of XXXX, XXXX XXXX XXXX proceeded to turn off my phone and told me i needed to pay a certain amount to get the phone turned on, which i did but they told me that I needed to pay more in order to get the phone turned back on. I called customer service and was on the phone for over an hour with 3 CSR and they proceeded to argue with me instead of correcting the mistake they made.I ended up switching back to XXXX and some months later, I checked my credit and saw this debt on there and have not received anything in writing. The truth of the matter is, they will not be getting any money from me because of their fraudulent ways. XXXX XXXX XXXX is a money hungry company and they will do anything to make a buck off of someone.
05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10940	Web
Before I move forward with litigation to Credence XXXX XXXX XXXX. I would like if the debt collection agency to stop harassing me about an old, old account that has been disputed and delete off of my credit report from another collection agency XXXX XXXX. This account was not mine account I have Proof from XXXX XXXX that this creditor could not verify the information or proof so there for it was deleted XX/XX/2019. I have that proof. Few month later Credence reported this same account with the same creditor ( XXXX XXXX ) with out sending me any letter to. inform me. I tried to explain to them that this account has been disputed they still continued to illegally report this. My attorney sent them a letter to validate Proof On XX/XX/2019. They never sent in any proof, however this was deleted from 3 credit bureaus on XX/XX/2019. The statue of limitation of this account as far reached over 7 years. Please stop these illegal acts before under the FCRA. I am forced to proceed litigation against them.
03/04/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 622XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : CREDENCE RESOURCE MANAGEMENT Account name : XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web
I am writing to dispute an inaccuracy on my credit report. I am filing a complaint with CREDENCE RESOURCE MANAGEMENENT they are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX. I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : -Incorrect account statuses : The account is reported open account and is also in statuses in collection. -15 U.S.C 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- -15 U.S.C 1681 Section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
06/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98270	Web
I cancelled my XXXX XXXX account and returned my equipment XX/XX/XXXX. I kept getting billed for the amount of the equipment, even though I had already returned it. It wasn't until late XX/XX/XXXX that they finally credited my account ( I have the return receipt to prove it was returned ). During this time, XXXX XXXX sent the bill for {$140.00} to collection. When they finally credited my account, I contacted XXXX XXXX to check my balance. I was told my account had a XXXX balance and the agent suggested the {$2.00} had been written off. They were not even aware my bill had been sent to collection. When I contacted Credence, with the assistance of XXXX XXXX, Credence argued that the entire balance of {$140.00} was an outstanding debt. The only amount that may have been outstanding was the {$2.00}, which I paid at that time, even though XXXX XXXX told me I owed nothing. I have appealed this negative record on my credit report and Credence refuses to remove the {$140.00} that I never owed.
10/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30064	Web
In XX/XX/2019, I called XXXX XXXX XXXX to cancel my TV, Phone and Internet services. XXXX XXXX XXXX failed to document my request during the phone call and only requested to port the phone number, instead of fully canceling the account. XXXX XXXX XXXX continued to bill the account for full months services in XX/XX/XXXX and XX/XX/2019. After numerous phone calls, XXXX XXXX XXXX removed charges associated with XX/XX/2019 but refuse to remove the charges from XX/XX/2019. I spoke with representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX. On each phone call, I was assured that the charges were going to be reversed for the months billed after my request for cancellation. On XX/XX/XXXX I received a letter from a collection bureau dated XX/XX/2019, demanding payment of {$300.00}. I do not feel obligated to pay this amount and demand that XXXX XXXX XXXX reverse all charges to this account that occurred after XX/XX/2019 and recall this collection activity.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75098	Web
In Accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : CREDENCE RESOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 782XX	Web	Older American, Servicemember
I canceled my XXXX XXXX XXXX XXXX XXXX service in XXXX and switched over to XXXX. During that switch over their was a problem with XXXX XXXX XXXX switching my home phone number over to XXXX. I could not cancel my XXXX XXXX XXXX service until this was completed because of my age and health, I nee a land line. A day after the phone number was switched I cancelled by XXXX XXXX XXXX service. XXXX XXXX XXXX continued to bill me for service that I did not want, need or used during this time. I contacted them numerous times and one accounts supervisor said he would reverse the charge and close out my account. This never happened and my account was turned over to Credence XXXX XXXX debt collector ). I received a letter from them trying to collect this unpaid balance and I wrote back and explained the situation to them. During this time Credence reported by account as delinquent even though it was being disputed, {$250.00}. My credit rating has dropped from just under XXXX to XXXX because of this.
05/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70003	Web
Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX They are collecting a debt of {$880.00} for a XXXX XXXX account I never opened. Account number : XXXX. I have an ex girlfriend from XXXX that has my social security number and she has been using my SSN to open accounts under my name. Her name is XXXX XXXX and had alias XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX She has other aliases too! She has been using the phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and others to contact me to give her money. Emails she uses to contact me XXXX, XXXX, XXXX, XXXX Addresses she uses to setup services using my SSN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46032	Web
After living in XXXX for XXXX years, in XXXX of XXXX I moved to XXXX, XXXX. In setting up my house and services, I searched for a cable/internet provider in the area. After much research, there were only two providers for my neighborhood. XXXX XXXX XXXX and XXXX XXXX... I, against my better judgement from previous experiences, chose XXXX XXXX XXXX with their dish service. I engaged XXXX XXXX XXXX and they came out and installed the equipment. Within 3 days I knew this was a mistake and contacted XXXX XXXX XXXX and immediately canceled their service. In turn, I went to XXXX and sent back all of their equipment and was told that any service fees would be credited back. As you can imagine, what I was told and what happened are two different things. XXXX XXXX XXXX has now discharged my debt to a collector and is now being reported on my credit report erroneously. I simply want this removed from my credit report and the balance to be cleared as it was originally promised. Thank you.
01/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07002	Web
On XX/XX/2020 I received a phone call from Credence Resource Management inquiring about an XXXX XXXX XXXX debt owed in the state of Texas. Given the fact that I do not have nor have I ever had any connections whatsoever with anyone or anything in the state of Texas nor any dealings with XXXX XXXX XXXX, I informed Credence Resource Management accordingly. As of XX/XX/2020, Credence Resource Management is reporting this debt and its associated address as owned by me on my XXXX and XXXX XXXX credit reports. As of the date of this filing, I have not received any correspondence from Credence Resource Management informing me of this alleged debt or of my right to dispute it under the FDCPA. On XX/XX/2020 I disputed the address listed in Texas with XXXX, as a response I was informed my dispute had been verified by Credence Resource Management as valid. Likewise, on the same date, I disputed the alleged debt with Credence Resource Management directly to which I have not yet received a reply.
05/12/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 92706	Web
Date : XX/XX/2017, car accident bill. Account XXXX and XXXX Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX. We were victims in a car accident on XX/XX/2017. The other car driver was at fault. We assigned the XXXX XXXX XXXX XXXX XXXX as our representative and will handle any bills. The XXXX XXXX XXXX XXXX XXXX is located at : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. We have notified by writing, emails, faxes many times regarding billing and payment and advised this company to send bill to our representative. However, this company did not contact our representative but harassed us repeatedly. We notified this company that we have a representative lawyer who is willing to work with them directly but they ignored and did not contact our representative. We also notified them that contacting us directly would not get any positive results but may violate the Federal Law ( FDCPA ) but they still ignored. Thank you. XXXX XXXX and XXXX XXXX
01/27/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85213	Web
I currently have a debt that was re-transferred to a collections agency in XXXX of XXXX for XXXX. This account had previously been opened in XXXX and closed a year later after disagreements on the bill and account. The company had transferred the account to collections with a company then early last year removed it from collections, bringing it back to XXXX where they contacted me an offered a lower amount they would accept, {$200.00}, in a voicemail on or around XX/XX/XXXX. They then never called back to communicate this offer or discuss options. Then come XXXX of XXXX the account was changed off to Credence collections and I have no contact information for them and have never been contacted from them to dispute or even pay the bill. I have now had this account hit my credit twice! Recently significantly lowering my credit score while I am in the process of improving it. I am disgusted that this company has never even contacted me but instead did such damage to my credit score.
07/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32822	Web
To Whom It May Concern, Im filling this complaints against this company CREDENCE RESOURCE Management due to the facts they reported inaccurate information to the credit bureaus claimed I owned them money XXXX from Original creditor : XXXX XXXX XXXX for the record I never done any business with XXXX XXXX XXXX in the first place. Last year the same charged appears on my credit files from a different collection agency by the name of XXXX XXXX XXXX XXXX I hired a law firm to get it deleted whomever kept selling this fraudulent debt will end up paying a big price this time my Lawyer is aware of the situation. I give CREDENCE RESOURCE Management 72 hours to get this fraudulent debt to be deleted from all 3 credit bureaus. I filed a police report against this company for Identity theft with the XXXX Police department case number # XXXX a complaint has been submitted to the Attorney General office in the state of Florida regarding this matter to investigate CREDENCE RESOURCE Management.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	KY 40218	Web
The issue I am having is with a debt collector reporting on my credit, by the name of Credence Resource Management. They reportedly bought the debt from XXXX XXXX The issue with this is, that it was a joint account ; and the amount due was for a payment on new smart phone devices that were signed for and had the signature of the other person on the account. I went to the XXXX store at the time it was added to my bill, and fought with XXXX, because I was closing out the account with this person. We came to an agreement I would pay the cancellation fee of the account which was {$600.00}. This happened in XXXX of 2016. They agreed to take my name off of the account once I paid the cancellation fee, and put the remaining balance in the amount of {$2700.00}, in his name ; since the signatures for purchasing the devices was his signature. I am not responsible for this debt, I payed XXXX what I owed, and my name was to be taken off the account. Please remove my name from this account.
11/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 956XX	Web
Ive received my 3rd communication from Credence Resource Management LLC for an ambulance debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the XXXX company and found out the person XXXX was XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up XXXX, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage XXXX. I want this company to remove my miaden name and address from their files and stop trying to collect from me.
04/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, XXXX XXXX turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store manager, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was returned. A year later, an {$800.00} collection appeared on my credit report from XXXX XXXX 's debt collector credence resource management. I have disputed the account multiple times but received no response, and it has not been investigated, removed, or resolved. My children and I are deeply affected by this situation, and I need this account removed from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. I do not owe XXXX XXXX any money. If this doesn't get resolved, I intend to sue for further damages.
03/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70726	Web
I disputed the collection account with Credence Resource Management on XX/XX/2023 through XXXX website. I stated, I had no knowledge of the account, in which I received no communication from the debt collector before adding it to my credit report. XXXX has given the debt collector my address which I did not consent to. I will be filing a complaint with the Federal Trade Commission. Credence did not notify me by mail that they were placing a collection on my credit report nor did they give me the right to dispute or provide Validation. I know this because they did not have my address.They are in violation of The Fair Debt Collection Practices. This is also my second time going through this with XXXX. They have not been able to send me anything that proves I owe this debt. ( See attached CFPB report ). Until Credence can prove this account is mine, with a signature from me on a contract, the account needs to be removed Immediately or I will file a complaint on them also.
04/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 287XX	Web
On XX/XX/XXXX I started to refinance my house and my credit report was ran, there was a account on my credit report that I was not aware of that was showing delinquent. the account was for XXXX XXXX XXXX and was reporting to credit report by Credence resource management. I attempted to call XXXX XXXX XXXX on XX/XX/XXXX and they couldn't give me access to the account because I didn't have the PIN, I didn't have the PIN because I didn't open the account. at that point I attempted to call Credence Resource. I have never received any bill or any notification of debt or lack of payment. Credence shared with me the address they send information to which is not my address or even the state that I live in. the employee with credence resource stated there was nothing they could do and I had to file a police report. the amount is {$780.00}, they stated the account was opened in XX/XX/XXXX and submitted to credence resource in XXXX XXXX the account number credence gave me was XXXX
02/04/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46410	Web
On XX/XX/XXXX at XXXX, I spoke with a rep by the name of XXXX ( Emp ID : XXXX ) about the termination of my XXXX services due to a violent change in my relationship status. I was told that all early cancellation fees and service charges would be waived as a courtesy and was given a cancellation number of XXXX. This was okayed by a supervisor after being on the phone with the " Loyalty Department '' for over an hour. Today, I was contacted by Credence Resource Management by an irate " manager '' by the name of XXXX XXXX demanding payment on the aforementioned XXXX account for {$510.00}. I informed him that I was told by XXXX that no payment would be due on the account due to my extenuating circumstances. I was also contacted cy Credence on XX/XX/XXXX about the same issue and informed them of the same. This company has refused to supply me with proof that this is even a valid debt, which it IS NOT, and are telling me my current address is one where I lived at 6 years ago.
07/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 426XX	Web
It shows on my credit report that Credence Resource Management reported to XXXX XXXX that I owe them an amount of {$1400.00} on an XXXX XXXX XXXX bill collection on XX/XX/2018.However, I have never received any type of written correspondence from them any time after the date the debt is reported. Which goes to say they have not provided me with any type of validation of this debt. The debt also continues to show on my credit report and I am aware they can not legally report a debt that has not been validated on my credit report and that it has to be taken off until validated. I have reason to believe as well that this is a possible scam.I currently have a dispute in process concerning the debt with XXXX. I believe as well the account has in fact crossed SOL for the state and type of debt. I've already tried sending them a debt validation letter and have not received a reply. I do not want to pay for a debt that is not mine and/or end up paying a fake collection agency.
04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 437XX	Web
I am filing a complaint with XXXX XXXX XXXX and Credence Resource Management. I sent my first verify dispute letter on XX/XX/2023 to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. The collection agency responded with an original contract that is not my signature and there is no date next to the signed signature. The signature reads " XXXX '' which is not my name nor my signature. On XX/XX/2023, I sent out a letter regarding the lack of accuracy provided with he original contract that the collection agency had sent me. The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further validated documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
02/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60035	Web
On XX/XX/XXXX, I mailed Credence Resource Management , LLC a letter which which contained an FTC Identity Theft Report explaining I am a victim of Identity Theft with an Identity Theft Report. Credence Resource Management , LLC received this letter on XX/XX/XXXX, which was mailed through the US Post office, USPS Certified Mail, Return Receipt No : XXXX. They responded with a letter stating I requested them to verify the account, which I did not. They continue reporting this fraudulent account to the major Credit Bureaus, who were also notified of the Identity Theft. XXXX XXXX XXXX, who Credence claims they are collecting on behalf of, were also notified of the Identity Theft and claimed Credence did not notify them about anything I mailed them nor have any knowledge on who they are. Credence continues to report this fraudulent account after they were notified by me to remove this fraudulent account from my credit reports and conduct an investigation into this matter.
07/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 078XX	Web
I had an account, for a family plan, with the company XXXX XXXX XXXX for about 16 years. I was forced to cancel it when we moved and could not get any reception.The technical service department was informed on numerous occasions but they were unable to resolve the issue. Not having a land line and only relying on our cellphones this lack of service became a true inconvenience for my family & I. Therefore, I called to cancel my account before the next payment roll began. Now this company is forcing me to pay a cancellation fee based on a renewal of contract done with the purchase of a phone. I was never informed of this renewal when the cellphone was purchased nor when I called to cancel my account. I never signed anything when the phone was purchased as I paid its full amount in cash, therefore, a payment was never set in place in order to have had a contract renewal. This cancellation fee has rolled over into collections and it is now impacting my credit score.
05/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95826	Web
Late last year i received a notification on a credit reporting agency of a major derogatory account from a debt collection agency named credence resource management, i contacted the company and informed them i did not have an account with them, they mentioned the debt was from XXXX XXXX XXXX mobility, informed them i had not opened an XXXX XXXX XXXX mobility account, i contacted XXXX credit report and they opened up a fraud claim, on XX/XX/XXXX i received a letter stating the account was now deleted from my credit report as they determined it was a fraudulent account, i now am receiving a new derogatory account on my credit report for the same account from a new debt collection agency, sunrise credit service. XX/XX/XXXX : CREDENCE RESOURCE MANAGEMENT for XXXX XXXX - account was deleted after my dispute was approved by XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX -fraudulent account, based on XXXX representative is a collection agency for the same XXXX XXXX account
09/24/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 24541	Web	Older American
I signed up for cell phone service with XXXX XXXX XXXX, but l couldn't get reception in the area l lived in. I am the sole caregiver and provider for my elderly handicapped mother and l can't afford to be without phone service. I forgot my pin # and was told to go to the store to reset it. I was told it couldn't be reset because the acc't was cancelled. The acc't was cancelled and l was given a no. to call. I talked to XXXX XX/XX/XXXXand was told l would receive a call from management within 48 hours. I never received the call, but XXXX XXXX XXXX billed me {$300.00} and turned me over to a collection co. How are they able to charge me for service that was never activated or used? l don't have all of the exact dates or names but l called several times and went into the store when instructed, but was basically given the run around. I never received an official contract, but i'm attaching the original bill of sale. Thank you for your attention to this matter.
04/23/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33141	Web
Credence XXXX, GA, XXXX called me requesting personal information, like social security, home address, cell phone, when i ak, why ; they told me was for a unpaid bill for att uverse account, i told them, i never owned any account with XXXX, and to please tell me what information, they had on file. they refused to give me any information, they only wanted my social security and other personal information, prior to verifying the info. i off course hang up. then i received a letter stating if i did not respond within 30 days, the discput the validity. once i call, again, they need my name, sacial security numbers, i told them i provide the credence reference id :, but once again, they infomred me that i need to provide all information. i had my lawyer deal with the problem, but i fell this is illigal tatics in hope to obtaine personal information for them to potentially sell. i called att and they told me that the account look like a fictious XXXX account.
09/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33322	Web
A collections account that does not belong to me was placed on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXX ( {$180.00} - DATE OPENED : XXXX ) Written request for validation of debt was sent to debt collector via certified mail on XX/XX/2022. Written and electronic disputes were also submitted to all 3 credit bureaus. Debt collector failed to respond to my request for validation. On XXXX XXXX all 3 credit bureaus confirmed that this debt does not belong to me and removed it from my credit report. On XX/XX/2022, this same debt that has been confirmed as not belonging to me has been placed on my XXXX credit report as a collection account but with a different debt collector : CREDENCE RESOURCE MANAGEMENT - ORIGINAL CREDITOR XXXX XXXX ACCOUNT # XXXX ( {$180.00} - DATE OPENED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX TX XXXX I submitted an electronic dispute with XXXX XXXX
12/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80920	Web
I received a notice from XXXX Credit Reporting indicating that I had a negative event occur. It turned out to be from a collection agency that claimed I was overdue in the amount of {$2800.00} to XXXX XXXX XXXX. I do not have, nor have even had, an XXXX XXXX XXXX account. I contacted the Fraud Department at Credence Resource Management , LLC to get answers. They indicated that this was most likely fraud, and that I needed to report this to law enforcement, fill out their attached form, and send it to XXXX XXXX XXXX directly for resolution. I completed all steps, to include proofs proving this was not my account or debt. To this date ( several months now ), I can not reach anyone at Credence or XXXX XXXX XXXX concerning this case. No one will answer the phone or answer emails. This has lowered my credit score by almost XXXX points, which will affect any future credit I seek. Arbitrarily filing credit report negative reports should be illegal.
01/08/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 239XX	Web	Older American, Servicemember
I cancelled service with XXXX in XX/XX/XXXXand the company continued to bill me. I was told packaging to return the equipment in days but I did not receive packaging until months later. I sent the equipment back and received a bill with XXXX dollars added to the regular bill. The company stated they did not get the equipment back and continued to bill me. Three months later, I received another bill with missing cord added to the bill. Now a collection agency, that I am unable to speak with, sent me a letter saying I owe XXXX but will accept XXXX. I have called 5 times today, XX/XX/XXXX, and I have been cut off 5 times. They asked for my Social Security number which I refused to give but gave them my address. As I began to speak, I was immediately cut off. I do not owe this bill and I have made all the attempts I plan to make regarding this matter. Then my phone start ringing with unknown numbers and I refuse to be subjected to this any longer.
06/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75078	Web
I am being charged for {$380.00} from a collection agency for a debt allegedly owed to XXXX XXXX XXXX XXXX. I switched over to XXXX XXXX XXXX from XXXX but during my trial period decided to go back to XXXX, I returned all phones directly back to the XXXX XXXX XXXX store and was refunded the fees I paid for all 3 phones. A few months later XXXX XXXX XXXX was harassing me saying I owed over 3K, so after calling in and getting no resolve. I went back to the original store returned the phones and spoke to the rep ( XXXX ) who returned my phones. she called XXXX XXXX XXXX and said the issue had been resolved. She advised me to keep my receipt showing I returned all the phones and the money was refunded and not further money was owed and the account was fully closed. and now I am being harassed by XXXX XXXX XXXX for {$380.00} they claim I still owe XXXX XXXX XXXX {$380.00}, this bill is fraudulent and I need it removed from my credit asap. Thank you
09/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30034	Web
I am disputing Credence Resource Management .This agency has re-aged this account according to the original creditors date of first delinquency. I am not certain of the exact date of the first delinquency but this account has been illegally re aged by XXXX different companies that I have found so far. On XXXX XXXX XXXX XXXX XXXX reported this same account as being opened with a balance of {$710.00}. XXXX XXXX XXXX XXXX reported this account as opened on XXXX XXXX with a balance of {$710.00}. XXXX XXXX XXXX XXXX XXXX reported this account as opened XXXX XXXX with a balance of {$710.00} but a high balance of {$570.00}. This account was removed from my report XXXX XXXX and then added back XXXX XXXX. And Now Credence Resource Management is reporting it as opened XXXX XXXX with a balance of {$710.00}. I have never spoken with any of these companies and I am just realizing that this has been happening and that I can dispute all of this information.
10/03/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IA 50320	Web
Account is reporting incorrect as account is not mine. XX/XX/2022 was my first try contacting and trying to fix this issue with bureaus. I wrote too XXXX, XXXX and XXXX asking to delete because I do not recall having account. Account was reporting Collection while derogatory and charge off all at the same time. Along with inaccurate Date open stating as XXXX with XXXX and XXXX while XXXX XXXX reported XXXX. Date last active reported as XXXX with XXXX while XXXX reported XXXX and XXXX reported XXXX is no way that all three bureaus are correct if information is coming from the same furniture data. XXXX and XXXX did remove account as I had requested but XXXX continues to report account and updating date last reported and changed the date opened adding CO to payment history. I have not received any documents stating method of verification! How is XXXX still reporting this account being accurate while XXXX XXXX and XXXX have already delete it.
09/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91789	Web
I just reviewed my credit report I was made aware of a collection account which is not mine. I have no knowledge of the XXXX XXXX account nor do I have any relationship with this collection agency. I will be submitting a police report to the collection agency and the credit bureaus about this fraudulent account. In the interim, please send all signed, original, contract agreements as well as complete account number, date account was opened, how it was opened with whom it was opened as well as all other pertinent information regarding this account that appears under my SSN and credit reports. In addition, I need information on this unknown collection agency such as their license number, all pertinent dates on this account, headquarters location, presidents ' name and contact info as well as all information that shows that they are legally a collection agency in their perspective state. Thank you. XXXX XXXX Cc : Attorney XXXX XXXX
05/24/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 070XX	Web
Hi There, The following company Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX called 87 times to collect a collection debt from XXXX XXXX XXXX. Few times I told them that only amount I owe is about {$200.00} and not incorrect amount they are trying to collect. I told them to send me something in writing with all the records what falsely claiming for and stop calling. They told me they did send a letter that I never received. Before also threatened to ruin my credit and other actions. This is totally unacceptable from this collections agency. After that I started ignoring their calls and now they have put this disputed amount as negative collection on the credit reports. I would definitely take action against the bad collection practices this company has. We are already going through a very tough times due to Covid-19 related financial problems and these types of companies make them worse. Thanks SM
10/11/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80022	Web
XXXX XXXX XXXX XXXX had filed a collection on my credit profiles for service and devices which were paid in full and the device returned in good working order at one of their retail locations. I've disputed this and given details on several occasions however they have sold the debt to a collection company who refuses to remove the false claims. This has been disastrous to my life as I've been unable to refinance my home during this pandemic to provide financial relief. I've tried to contact the company directly via telephone messages and emails through their website many times and get no response at all. I'm so frustrated at this blatant fraudulent claim with no accountability and response yet I don't have the resources to sue them to remove it. Please help. The account is now with Credence Resource Management, XXXX, in the amount of {$2.00} XXXX, none of which is legitimate and they simply will not respond to any attempts to reach them.
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11704	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
10/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AZ 850XX	Web	Older American, Servicemember
I pay all XXXX/medical issues through insurance. My grandson calls about ANY bills throughout the years if anyone had any issues collecting information for insurance. He recalls no attempt for an XXXX other than XXXX time he said he called the company and they said it 's fine because they " called the XXXX and got her insurance information there. '' Yet somehow I now have a debt collector contacting me. The XXXX company XXXX XXXX XXXX XXXX XXXX and the Credence collector bill says they have Insurance Specialists waiting to help with taking my insurance. My grandson called and found out there is a 1 year common " timely filing limit '' and it 's been since 2014 that the incident occurred. So the collections has trapped me to pay cash. I received no phone calls, my grandson said the first number they gave for my info was wrong. I am XXXX years and getting help writing this, I have n't had insurance not pay my whole life. This is not fair.
05/20/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 78704	Web
In XXXX of 2020, we attempeted to get fiber optic telecomm installed by XXXX XXXX XXXX in our house, the back house of our aunt and uncle who already had fiber from XXXX XXXX XXXX. After an in home visit we were told by XXXX XXXX XXXX that they could not " find '' our property on the map and would get back to us. They left a router for us to set up in the meantime. We never set up service. After unsuccessfully trying to get in contact with the individual who was working on our case from the beginning, when they finally replied, it was with short answers that gave no insight into any work put forth. In XXXX, we tried to get in contact with XXXX XXXX XXXX about the issue and they assured us our XXXX XXXX XXXX XXXX house must have been in a new subdivision and that was why they havent been able to help us. On top of that, we never recieved any word of a debt from XXXX XXXX XXXX until a debt collection agency called my father this week.
09/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY XXXXX	Web	Servicemember
I was charged by XXXX for service and phones they did not provide me for almost two years. I finally switched to XXXX along with my original numbers and canceled XXXX after paying for nothing for years. Once switched to XXXX XXXX continued to charge me for phones and service I had with another company for months. Every time I called them to let them know I was n't a customer anymore they said a supervisor would call me immediately and never did. XXXX has tried to use a debt collector before to collect debts I do n't owe and they found it in favor of me. Now they are using a company that you ca n't understand the people, their phones crackle and have no service. I recorded our conversations because it was appalling. I told them I do not owe anything to XXXX and dispute the whole charge and they still tried to get me to pay over the phone. The company now that 's an absolute scam with the potential to effect my credit is Credence XXXX
09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48180	Web
The Original Account belongs to XXXX & XXXX I never used the service. they started billing me even i refused to start the service. i returned the phones because the company XXXX XXXX XXXX mailed me after misrepresentation. It was afraid from the company representative who met me in XXXXXXXX XXXX XXXX XXXXXXXX XXXX The phone 2 in quantity never opened or used. those were returned and accepted by the company. I call the customer service XXXX i was told you wont be paying anything. They took another {$82.00} which is still not returned. they send me notice for paying {$280.00}. I never owe the amount i never used the service, i returned the phones because XXXX rep tried to sell me with misrepresentation. Now they send my account to collection agency who calls me and threats me. i have excellent credit. XXXX has damaged my credit and reputation. please take action against the XXXX and Collection agency Thanks XXXX XXXX XXXX XXXX, XXXX
04/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30291	Web
Credence Resource is reporting an erroneous debt on my credit file. I never received a call or notice about this debt and it recently appeared on my credit file. I immediately called Credence Resource and the original creditor to find out what this debt is for. XXXX XXXX says its for an XXXX XXXX XXXX debt but i have not had service through them for a long time and didnt not have them long enough to accumulate the debt that is being reported. I called XXXX XXXX XXXX and they said they can not find where the debt came from and i called the collection agency and they can not find me in their system. If this is a debt i owe i have no problem paying it but i need them to remove this from my credit file and send me my 30 day notice, as i have the right to be notified before this is added on my credit file, so i have time to settle and avoid this showing up on credit again. If it is not my debt i need it removed from my credit file ASAP.
03/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90065	Web
I XXXX XXXX am a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. CREDENCE RESOURCE MANAGEMENT are reporting and account in an attempt to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. CREDENCE RESOURCE MANAGEMENT is violating 15 U.S. Code 1692c CREDENCE RESOURCE MANAGEMENT are also violating 15 U.S. Code 1692b CREDENCE RESOURCE MANAGEMENT continues to state they are collecting a debt this violates 15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75044	Web
I have not given you written permission to put anything on my credit profile XXXX XXXX XXXX Permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
03/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UNITED STATES MINOR OUTLYING ISLANDS 28205	Web
In XXXX of 2021, I paid off a collection owed to XXXX XXXX XXXX. The only service I used with XXXX XXXX XXXX was internet. Nothing else. I received a letter from the collection agency ( XXXX ) as proof the debt had been paid. Over the course of the past year, a collection agency called Credence has repeatedly reported a sum of {XXXX} as due to XXXX XXXX XXXX on all three credit bureaus. This has happened at least 5 times. Each time, I dispute with each bureau and each time the bureaus have removed the collection from my credit report. Last month, this company reported this false amount due to my XXXX report and this time, it was not removed. I have attached the letter from XXXX ( the original collection agency ) as proof that payment was made to XXXX XXXX XXXX. I would like this company to stop harassing me by reporting false information to my credit reports. This debt has been paid in full and needs to be removed.
01/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76248	Web
Previously subscribed to XXXX. Terminated my service, with a balance due, returned equipment and got notice, without warning, of being sent to collections. Balance due indicated of {$130.00}. Contacted XXXX for an itemized bill supporting the {$130.00}. A few days later got a pdf of a bill from the collection agency, Credence Resource Management LLC, shows multiple balances but not {$130.00} except in header at top of bill. No indication in bill of how the {$130.00} is derived. I called Credence and they refused to send an itemized bill other than the erroneous one sent. I informed them they have no claim if they can not provide an itemized bill supporting the collection amount. They responded the info they have is from XXXX and had done what they were required to do.. So at this point I have an account in collections with no supporting line item detail and neither XXXX or Credence able to provide same.
10/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91775	Web
Since XXXX, we have been getting mail from different debt collection companies who say that we owe money for a XXXX account that we did not open. The account was first under my wife 's name and we did pay the full amount once out of confusion, then later realized we did n't use that account with XXXX. Later, after contacting the most recent debt collection company, XXXX XXXX XXXX XX/XX/XXXX to dispute another debt collection mail received, they told us to just pay half the amount and then the problem would be solved. As ofXX/XX/XXXX, XXXX XXXX XXXX said the account has been resolved. Yet after we did that, I have received another mail in XX/XX/XXXX stating a debt of {$80.00} from Credence Resource Management , LLC. This time, the account is under my name and not my wife 's, but we did not open this account.XX/XX/XXXX I called XXXX and they also confirmed that they do not work with this debt collection company.
11/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 105XX	Web
I never open this account with XX/XX/XXXXand for sure do not owe them {$940.00}. I can not remember doing business with them. I disputed this account with CREDENCE RM and requested validation of the debt and until now they are unable to provide me proof that I owe you this debt. No update, changes, or investigation are made on this account. I carefully review my credit report from time to time and this is completely the same as how I disputed it the first time. My request for documents, statements, details about this debt, payment history are completely ignored. Which made me decide to escalate this and take legal action. CREDENCE RM needs to remove this from my credit report. There is no reason for this account to be in my credit report. If CREDENCE RM is unable to provide me documents that I needed to validate this account no reason that it should be showing and negatively affecting my credit score at all!
04/17/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 11741	Web	Older American
I received a notification today XX/XX/17 from XXXX Credit Alert that my credit store had taken a big hit. Upon further investigation I found that a company called Credence Resource Management had put me in for collection for an amount of {$1300.00} with XXXX. I do not have and never have had an account with XXXX and this is complete fraud. I find this very interesting since this is the exact same issue, amount and vendor that I had last year while being pursued by XXXX XXXX which was later resolved. If you check my records you can see the complaint I filed on this also. This is just another scam and it would not surprise me if both these companies/ XXXX XXXX XXXX are in collusion to commit fraud on as many unsuspecting individuals as they can. So far this is only showing up on XXXX, not XXXX or XXXX I need this resolved asap and hopefully you will take the appropriate action against these scammers Credence
01/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80209	Web
Credence Resource stating : " Account is in the name of XXXX XXXX, with one subscriber XXXX on account. As per mobile number change memo dated XX/XX/XXXX, subscriber XXXX changed to XXXX. Advise coverage device with serial number XXXX was returned and charge for it was already adjusted on XX/XX/XXXX. However, coverage device with serial number XXXX is not returned. Received a valid payment of {$100.00} on XX/XX/XXXX. Payment made on XX/XX/XXXX of {$100.00} was backed out. Current account balance is {$120.00} consists of service charge of {$7.00}, Dishonored check charge of {$20.00}, device fee of {$95.00}. Service charge is valid for service rendered. Device fee is valid for coverage device non return. '' This debt already acknowledged by RECEIVABLES PERFORMANCE as invalid with XXXX!!! PLEASE PROVIDE EVIDENCE OF device with serial number XXXX THAT IT WAS DELIVERED TO ME, I HAVE NEVER RECEIVED OR USED IT!!!
10/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33032	Web	Servicemember
Since 2013 I 've been receiving letters and calls from collection companies and XXXX Phone company, someone else under the name of XXXX XXXX used my identity to get different services including XXXX, XXXX did not verified my identity and allowed him with equipment and services using my name. On 2013 I discovered with my husband that we both were victims of Identity Theft, and we started submitting the information to the Police Department and followed with Credit Bureaus. The last company from which I received letter wasCredence Resource Management, LLCXXXX XXXX XXXX XXXX XXXX, TX XXXXit was on XXXX XXXX, XXXX called this collection company and reported them about the issue, XXXX has been selling my supposed debt through different companies, and after almost 3 years I 'm still dealing with bad credit report, letters and calls. I will submit a copy of the Police Report and the last letter that I received.
05/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31405	Web
I received a alert on my XXXX credit report that I was flagged in collections for {$860.00} I call the number provided and talked to a guy by the name of XXXX XXXX he stated that I had an account from XXXX XXXX I explained to him that I never had XXXX XXXX XXXX account from XXXX XXXX and he told me we can handle it for {$400.00} he also said I lived at XXXX XXXX XXXX and they sent letters to a address that belonged to me that was XXXX XXXX XXXX XXXX XXXX ga I let him know I have never lived there that I lived at my current address at those times I asked for a contact at witch he said he cant provide that there was no contact he wanted me to send him my Id and other information I then again explained to him that they had the wrong person Ive never lived in those places that I lived at my current address at that time and that I received disability and cant afford XXXX XXXX.That they have the wrong person.
12/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web	Servicemember
I was a victim of identity theft several years ago. It became so bad I elected to sign up for XXXX XXXX to hopefully prevent this from occurring and also added credit freezes on my credit reports. It still occurs approximately every 6 months and always a cell phone company or cable company. The latest incident occurred when I received a notice from XXXX that there was collection notice on my credit report. This was from CREDENCE RESOURCE MANAGEMENT. I have never heard anything from this company ; no letters, no phone calls ; nor any email notices- they simply filed a collection notice against my credit. This same tactic has happened in the past more than once. This happened on XXXX day as the collection notice appeared on XXXX XXXX. I have filed disputes on all three agencies as this is clearly NOT my account and due to this collection notice, my credit score dropped approx. 60 points. This needs to stop.
12/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 193XX	Web	Older American
On today 's date, XX/XX/2022, I received an alert from XXXX that an account was placed for collection and listed on my current credit report. The collection agency, Creedence Resource Management, was referring to an account of XXXX XXXX in the amount of {$890.00}. I have no knowledge of this account and have never been a customer of XXXX XXXX. Earlier this year, Creedence Resource Management placed a similar account under my name with XXXX XXXX XXXX for collection. This account was found to be the result of identity theft using my name but an incorrect address and I was later relieved of any responsibility for that account. I do not know if this recent action by Creedence Resource Management was also due to my identity being stolen, but I have no knowledge of any account with XXXX XXXX. The result of this action by Creedence has resulted in a loss of 141 points on my usual excellent XXXX credit score.
01/12/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 37072	Web
I have an old debt on my credit report from XXXX XXXX XXXX. I have switched phone numbers multiple times since the original debt back in 2015. This company, Credence Resource Management is always finding my new number, I'm assuming by running my credit report WHICH IS ILLEGAL. They are also calling from XXXX numbers, what appear to be from local numbers when they are not local. I believe this is illegal to " spoof '' numbers when they are sitting in other locations. They never leave messages then when I return the call, it's this company and they are always of XXXX decent. I have no idea if these people are scams or what the problem is but it's disturbing how they are gaining access to my new cell phone numbers when I have had NO contact with them in many years. As stated, they are also calling from what appears to be local numbers and spoofing their number in an illegal attempt to make me answer.
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34471	Web
I was notified via my XXXX credit report that a new collections account was posted. It was from a Credence Resource Manage- for XXXX XXXX in the amount of {$110.00}. It was posted to my credit report on XX/XX/XXXX. It said that I opened an account for 1 month with XXXX in XX/XX/XXXX and owed a total of {$110.00}. On XX/XX/XXXX I reached out to XXXX XXXX to understand where this account was coming from. I spoke to an agent name XXXX in Collections who had no information of me ever having an account. I then spoke to an agent name XXXX in Retention who by search of name, address, and social did not find any record of my having an account. I then contacted Credence Resource Management where a person asked me my name and could not find any information on me. He then asked me for my full social security number. I was highly nervous to provide that information as he had nothing with my name and birth date.
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08360	Web
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX/Dept. of ED, XXXX XXXX and Credence Resource Management has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. XXXXDept. of ED : 1. {$3900.00} ( XX/XX/XXXX ) 2. {$3300.00} ( XX/XX/XXXX ) 3. {$5000.00} ( XX/XX/XXXX ) 4. {$3100.00} ( XX/XX/XXXX ) 5. {$2500.00} ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. {$6800.00} ( XX/XX/XXXX ) 8. {$5100.00} ( XX/XX/XXXX ) 9. {$1200.00} ( XX/XX/XXXX ) 10. {$3900.00} ( XX/XX/XXXX ) 11. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : 1. {$2800.00} ( XX/XX/XXXX ) Credence Resource Mana : 1. {$1000.00} ( XX/XX/XXXX )
08/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 198XX	Web
In review of my credit report, I notice Credence Resource Management reporting on my credit report for the amount of {$610.00}. I first reached out to the credit bureaus and they came back as the debt being verified. On XX/XX/2020 they sent me a so called bill from XXXX XXXX XXXX. I questioned the bill as well as I do not have an account with XXXX XXXX XXXX, especially not this year or last year. The bill shows a recent date for XX/XX/2020. I have no account with them. I also noticed from my credit report, that they are updating this account as if it is a new account, which is a violation. On XX/XX/2020 i asked this company to provide proof with regards to this debt. On XX/XX/2020 they sent a letter stating that the creditor has verified the debt and that the charges on your account are valid. They have not sent me any proof, for this account. They are reporting false account on my credit report.
09/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11411	Web
I saw that a Credence Resource Manage was stating I own them {$750.00}. The company claimed they sent me many letters and I never received them. Once I saw the collection item on my credit report, I requested that they send me the contract I sign, along with my state identification, and last 8 months of payments. I ask for this for them to proof the account was mine and I open this with them. I am still waiting on this. I have never open any account with them or XXXX. They claimed I made payments to them, I have never paid CREDENCE RESOURCE MANAGE any money or have I signed any contract with them. I have reached out to them by phone and letters by in XX/XX/2022 and XX/XX/2022 and have not received a respond or return letter. They need to provide the proof that I opened this account and they are entitled to whatever they say I own to them. This negative item is showing up on XXXX, XXXX and XXXX.
12/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 322XX	Web
The dispute process with Credence began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). Credence did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. Credence failed to provide any of these. To date, they are currently reporting this entry on XXXX and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for XXXX to send a fully updated, current report to me that reflects this outcome.
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 190XX	Web
i sent a letter on XX/XX/2022 to XXXX/and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 190XX	Web
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
03/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 797XX	Web
In XX/XX/XXXX, I was called on the telephone by a debt collection agency trying to collect a debt from a hospital stay in XX/XX/XXXX. The person on the phone was rude and demanded payment immediately even though he had no information about the exact services rendered. I disputed the bill in writing, until further proof and itemized bills could be produced. Once I received an itemized bill, I was able to verify what the correct charges were and I paid the bill in full with a personal check in XX/XX/XXXX. The check has been cashed and cleared my bank account. Since that date I continue to received bills from the same company, and another company under a different name ( XXXX ). I have called both companies and told them that the bill was paid in full, providing copies of cancelled checks, but I continue to receive bills on a monthly basis. I am tired of trying to resolve this situation.
07/19/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MT XXXXX	Web
I Am Receiving Repeated Robo Calls For A Debt I Do Not Owe : '' Credence Resource Management Is Based Out Of Texas But It 's Their Idaho Branch That Is Harassing Me From Several Different Phone Numbers With A XXXX Area Code.Recently I Paid Off My XXXX XXXX XXXX Bill Completely Before Switching Carriers And Like Thousands Of Other People Having The Same Issue With This Particular Company C.R.M Is Just Making Up A Fake Debt And Calling Every Single Day, Letting It Ring Through And Never Leaving A Message And If I Answer There Is Never Anyone On The Other End Of The Phone.A Couple Of Times I Spke With A Live person And Asked Them To Stop Calling My Phone And The Calls Still Keep Coming.Either Way They Are Some How Using The Fact That I Was A Previous XXXX XXXX XXXX Customer As A Way To Justify A Fake Debt And Harass Me Every Single Day At All Hours.I Want The Calls To Stop Now Please.
05/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30045	Web
CFPB, I'm not sure what I wrote in my original complaint XXXX that rather than investigating my concern, you determined " some of the information provided suggests someone other than you submitted the complaint without identifying themselves ''. How did you draw that conclusion? Because of your actions, this unverified account shows on my credit report INACCURATELY, and I'm being denied credit! I'M NOT XXXX. I CAN WRITE OR XXXX A SAMPLE LETTER for my own personal use. If you'd concerned yourself with the documents, you would have seen where the equipment was returned to XXXX XXXX XXXX and I submitted a receipt as proof. That said, Credence Resource Management, your company continues to report a debt that is not owed. If this is not permanently and immediately removed from my account, my next letter is to my state AGs office and a consumer attorney regarding BOTH of your actions!
02/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 323XX	Web
I checked my credit report on XX/XX/XXXX and did not see any accounts from CREDENCE RESOURCE MANAGEMENT. However, today, XX/XX/XXXX, I see a new account reported by CREDENCE RESOURCE MANAGEMENT from XXXX in the amount of {$290.00}. I never received any correspondence from this company about any debt prior to reporting. According to the Fair Debt Reporting Act, I am supposed to receive written validation and verification with the right to dispute before reporting to the credit bureaus. This company violated that act and illegally reported a debt I never knew about. I also checked the State of Florida Department of Business Regulations through XXXX XXXX and saw that CREDENCE RESOURCE MANAGEMENT is NOT authorized to do any business in Florida as they do not have an articles of organization or incorporation nor do they have a statement of positive activity from the state of Florida.
12/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CO 80017	Web
I received notice of right to dispute a debt. I sent the collection agency to give me more information about the debt being in question. I sent the letter by registered mail via USPS ( XXXX ) and never got a response from the collection agency, the information i requested for. Per USPS, the collection agency did receive the letter on Monday XXXX XXXX, 2016. But the collection agency acted as if they did n't get any response from me. After a month or so I received another letter to pay the debt since it is delinquent. The communication tactic they are using is very subtle to force me pay the debt i am disputing and requested for more information. For your information I did n't have any information about this debt until i received a notice of right to dispute. The Company who thinks that they have money from me supposed to contact me before they send me to the collection agency.
12/20/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60643	Web
Credence Resource Management , LLC Has been reported several times in regards to a matter with XXXX XXXX XXXX. I have reported them to you all and the credit bureaus. I have proof of everything. They have attempted to use a bill while I have payment receipts, emails of cancellation date, texts from the company. They have now emailed me without me giving them my email and permission. Ive stated to them several times in complaints that communication is to be through mail. Im shocked they would send an email after being reported. They randomly called me the first time asking information then lied about me refusing. Their tactics are very unprofessional and unethical. If they continue an attorney will be contacted because I have proof of requesting mailed communication and that theyre not abiding by this. There is also proof theyre attempting to collect {$540.00} which isnt owed.
09/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07011	Web
I was contacted to by Credence Resource Management to collect a debt of {$610.00} from a XXXX XXXX account ( # XXXX ) in XXXX XXXX, TX. I have always resided in NJ, and do not know anybody in Texas. I contacted XXXX XXXX directly, and they confirmed they have no account under my name. The account number provided as confirmed by XXXX XXXX customer service is not associated to me. I even put them on a conference call to confirm that there is no account under my name. The Representative from Credence Resource Management, " XXXX XXXX, '' which I do not believe is his name because he has a very heavy XXXX accent, insists that I have to fill out paperwork with my information so that they can stop calling me, even after confirming with XXXX XXXX on conference call that there is no account on my name. Also as confirmed by XXXX XXXX, they do not use this company as a debt collector.
01/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60643	Web
Credence Resource Management is knowingly reporting a fraudulent XXXX XXXX collection on my credit reports. I notified Credence of this matter originally on XX/XX/XXXX. Credence investigated the matter and deleted the fraudulent account from my credit reports. XX/XX/XXXX Credence changed the account number and reinserted this account to my credit report. They are intentionally reporting a fraudulent account on my credit report -- willfully being noncompliant to the FCRA and violating my consumer rights. They insist on reporting a fraudulent account to my credit report and going about doing so by being deceptive. I feel at this point I am being harassed by Credence. They are causing much undue emotional stress. I work in XXXX and am up for a XXXX and XXXX. This will not occur with this negative account on my credit report. Part of the XXXX criteria is having good credit.
09/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78232	Web
XXXX has an erroneous debt they claim I owe, that has been sent to multiple collection agencies including XXXX, Credence Resource Management and other agencies. I 've gone through the dispute process with each one and had them confirm that the debt is n't owed and cancel the collection account. XXXX continues to forward this erroneous debt to different collection agencies, I 'm tired of having my time wasted and the stress of dealing with this year after year, this is ridiculous. The most recent collection agency with collector who have my personal information are outside of the United States where who knows what harm they can do to my identity, the most recent agency is Credence Resource Management, who put me through multiple hours of headaches and hassles to get a dispute done with them to get the damage they 've done to my credit removed, it has n't been resolved yet.
11/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75212	Web
On or about XX/XX/XXXX, I pulled my XXXX reports and discovered a negative reporting account on all three credit bureaus. The account with XXXX XXXX is being reported by Credence Resource Management as a collection account, and this is hurting my credit score. I do not recall opening nor paying on this account. I have made numerous efforts to locate and contact this company for validation of this debt. I have requested proof of this account and any contract documents signed by me, and I have not received one response. This account also reported negatively on my credit in XX/XX/XXXX. I submitted a dispute stating this account did not belong to me, and or I have no knowledge of the account, and it was removed immediately. Now it is back on my reports, THIS IS HURTING ME AND MY ABILITY TO PURCHASE A HOME. This item needs to be immediately removed from all credit reporting.
12/08/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85301	Web	Older American
Credence debt collection agency has been contacting me non stop regarding an debt in the amount of {$55.00} allegedly owed to XXXX. I have informed Credence on numerous occasions that I do not owe the debt. When I requested that my service with XXXX be disconnected, my account was paid in full. In fact, XXXX refunded me the amount that I had overpaid. I have requested that Credence provide me with proof of the debt however they have failed to do so. Instead of providing me with proof of the debt, they mailed me a letter stating that they ( Credence ) had verified the debt. I also requested that they provide me with information about their firm including their license number and whether they have a license in Arizona. They have failed to respond to my requests/inquiries yet they countinue to hound me. I am tired of them badgering me regarding a debt that I do not owe.
06/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34990	Web	Older American
Original charge from XXXX. I cancelled our service on XX/XX/XXXX. They continued to bill us for service afterwards. I received notice XX/XX/XXXX from XXXX that my outstanding bill was for {$410.00}. Since the account was cancelled I could not access online statements and determine the reason for {$410.00} bill. On XX/XX/XXXX I spoke with XXXXXXXX rep XXXX to resolve the problem. She indicated that the true outstanding based on the XX/XX/XXXX cancel date was {$170.00}. I paid XXXX {$170.00} on XX/XX/XXXX and thought all was resolved. Subsequently I continued to receive bills from XXXX with a different amount each time. Sometime later XXXX assigned the account to a collection agency Credence. Unbeknownst to me, Credence attached a collection notice on XX/XX/XXXX which has affected our credit rating to the point where attempts by us to obtain credit has been refused.
08/21/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AK XXXXX	Web
I received a phone call from XXXX. When I answered, they hung up. I called them back, it was a business called XXXX XXXX XXXX. I spoke with a man and requested he give me the mailing address for his company, that I would like to send him correspondence on not contacting me anymore. I asked for their mailing address no fewer than 6 times, and when I finally realized he was not going to tell me I asked him to take my number off their list. They called me at work, and I thought I missed a legitimate phone call. I do not have any debts in collections, I should not be receiving phone calls from debt collectors at all. But calling and then hanging up on me when I answer is ridiculous and childish. Failing to provide me with their mailing address so I can ask them to stop contacting me is ridiculous and childish. This is the first correspondence I've had with this company.
02/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66614	Web
{ Cell PhoneThis is an XXXX debt { Cell Phone } that I did not create or have anything to do with. I first learned of this XX/XX/2019 via a collection call, I informed the person at that time, this was not my debt, and I had nothing to do with this. i told the at this time if they would send me all info I would pay this and than turn it over to/ an Attorney I did not hear anything for monthe until I wa ssinformed by Our Tax preparers XXXX XXXX about this being turned into collections, at that Tiem I notified the Credit reporting agency the facts about this debt, and this was taken off of our credit report records. about 20 days ago, almost two years after the face I received a notice from credence, I sent them the info steted and toldm them if I heard anymore about this I would thrn this over to an attorney. this is ridiculous This is not, or ever has been my Debt.
12/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07105	Web
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one of the accounts that was removed from my previous dispute, came back with a different collection this time, the collection name for the alleged debt with XXXX is CREDENCE RESOURCE MANA, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from my XXXX and XXXX credit report.
11/01/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33169	Web	Older American
I switched my cell phone service from XXXX & XXXX to XXXX in XXXX of 2021. They did not allow me to switch the service until my bill was paid in full. A few months later I began receiving phone calls from a collection company saying that I owe XXXX XXXX XXXX XXXX dollars. I have never received any written communication from the collection company nor XXXX & XXXX reference this matter. Only phone calls with no proof of dept owed. They have now reported this dept to the credit bureau. This dept is invalid. I need to have it remove from my credit report please XXXX XXXX The collection company who reported me Credence resource mana XXXX XXXX XXXX XXXX XXXX XXXX Texas Reported on XX/XX/2021, This is all the information I have. They have never provided any proof of any money I still owe. They held my phones hostage until I paid my final bill. I dont owe them anything
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29072	Web
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
11/11/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33312	Web
Credence Resource Management continues to contact me repeadly with multiple phone numbers day and night, in violation of of the Fair Federal Debt Collection Practice Act. Refuses to cease desist while repeated request for verification/proof of any docimention verifying my signature, Social Security number. An XXXX..mobile bill contract that the debt belongs to me. This account has been disputed with the credit bureaus, the credit bureaus are not verifying this debt by means of paper verification verify my signature on a contract. XXXX will not allow me to dispute the account online, and XXXX disregards the law pursuant to the FCRA requesting documentation that verifies there dispute by submitting me a copy of any document or contract baring my signature. A CDV ... dispute is a code sent through EOSCAR ... software, XXXX investigation is incomplete, inaccurate.
11/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27707	Web
Was contacted by Credence Resource Management in XX/XX/XXXX regarding a debt collection from XXXX for the amount of XXXX. Informed agency that the debt was settled for a lesser amount in XX/XX/XXXX and I believe that the debt is not valid. Filed multiple disputes with the company and the company repeatedly denied the dispute is valid. I have contacted XXXX and XXXX XXXX XXXX to resolve this matter. XXXX XXXX XXXX has communicated with them that the account is settled and to stop trying to collect on this account. XXXX XXXX XXXX has sent documentation on XX/XX/XXXX stating the account was settled. Credence has repeatedly ignored XXXX XXXX XXXX. XXXX XXXX XXXX has sent a cease and desist letter to get them to stop and that has not happened yet. They have continuously call, including calling my mother 's phone. Now Credence is emailing me saying the debt is valid.
01/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 194XX	Web
I noticed this company on my report recently and I have no clue who they are. I have never heard of Credence or done any business with them. The account says its affiliated with XXXX XXXX. I do not owe this company any money and this account is damaging my reputation with other companies I wish to have a relationship with as a customer. I'm demanding they tell me where this came from. The CFPB site is very informative and it seems like this company has violated a ton of laws under the FDCPA. I never received any notice before this went on my report, they have never sent me any documents with my signature on it, I never sent them or the credit bureau anything saying it was ok to put this on my credit and I surely NEVER gave XXXX or any other company permission to share any of my private personal information with a 3rd party. I'm holding all parties accountable
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32303	Web
15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) account opened XX/XX/XXXX XXXX
08/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 354XX	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92019	Web
XXXX XXXX reported me incorrectly to the credit bureau to collection when my account was actually paid off. This was reported erroneously to the credit bureau as the account didn't have a balance and should have not been sent to a collection company. While the company has submitted a remedy ticket number to recalling the account, I need the account deleted from my credit bureau. This was completely XXXX XXXX 's fault and that information was erroneously reported to the bureau. XXXX must delete the collection record on my credit bureau and rectify the issue as soon as possible, I was in the middle of buying a home and any incorrect report or lack of deletion of this account will cause me to lose my home purchase and potentially lose a deposit of {$7500.00} to whim I expect XXXX XXXX to be liable for including any additional mental distress and XXXX XXXX XXXX
01/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32505	Web
This company credence resource management has a negative collections account reporting on y credit file that I have no knowledge of from XXXX. I first submitted a dispute through the credit bureaus XX/XX/2020. Credence sent me a letter dated XX/XX/2020 stating they received notice of the dispute and would be ceasing collections unless they received/ could provide validation of the debt. I have yet to receive validation from the credit bureau or credence resource management. I opened a dispute directly with credence on XX/XX/2020 again to resolve, they acknowledged the receipt of the dispute via email but still has failed to provide proof and has maintained the negative reporting on my credit. Im in the process of buying a home and this is damaging to my credit profile. By law they were given 30 days to verify or remove the acct and they have failed to do so.
02/19/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	TX 78154	Web
We closed out our XXXX phone bill and paid them in full On XX/XX/2020. However received a bill on XX/XX/XXXX called XXXX to confirm and told us we didnt owe anything and they are applying credits to accounts for over paying. XX/XX/XXXX credence called my work phone and it was there first attempt and I asked why did they call my work number and I dont owe anything to XXXX and I have confirmation. They harassed me and told me me I do owe them and it was sent to them today and I need to pay it. Called XXXX back and they told me to pay them and they give me the credit back and so I did. I think this is wrong I have never had a collector call me to owe money and call me at work. It was embarrassing and even though it wasnt my fault and I think this was wrong and very unprofessional Account number Credence Resource Management # XXXX XXXX XXXX XXXX XXXX {$120.00}
11/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92506	Web
Credence Resource Management -- XXXX XXXX XXXX XXXX, XXXX TX XXXX Collection Agency. Reported to Credit Score co for {$1700.00} with original creditor XXXX XXXX. Spoke with collection agency over phone when they called. Explained that they had the WRONG PERSON! That I did not even live at the place where the bill was charged. But they still reported to 2 of the 3 credit score companies causing over XXXX pointsDROP in my XXXX score. Just as I am about to make purchase a housing causing me to stop! I don't know what else I could have done. IT IS OUTRIGHT ABUSE of this collection agency. They reported me only because I have similar name and was coming after me for collection. t seem VERY ILLEGAL for them to do that and RUIN MY CREDIT SCORE which was above XXXX points for YEARS! NOW it came down to XXXX 's. Please INVESTIGATE! My name is XXXX XXXX, XXXX.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
09/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28105	Web
I lived in XXXX, IN until XX/XX/2019. When I moved out, I canceled my service with XXXX XXXX XXXX XXXX XXXX. I was sent a bill for XXXX and XXXX, and I called XXXX to dispute the charges. The representative assured me this would be taken care of and resolved. XXXX then sent me to a debt collector when they assured me this was resolved. I called XXXX and they said it was too late and it had been sent to the debt collector and they could not fix my credit. The day after I paid the debt collector, XXXX called me admitting they made a mistake, and would refund the the difference between what was owed and what was overcharged initially. I disputed the mark on my otherwise perfect credit with XX/XX/XXXX, and they still list it as accurate ( it is not! ). I followed all necessary steps and my credit was unfairly hit when XXXX admitted they made the mistake.
10/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11208	Web
This certified letter to notify you that I believe I have been a victim of identity theft. Please rate the following accounts as " unrated '' until this matter has been resolved. I am formally requesting the following : 1 ) Please place a fraud alert note on my credit immediately. 2 ) Please notify all companies that have inquired in the past 12 months that identity theft has occurred. 3 ) Please do not authorize credit in my name without calling me first at ( XXXX ) XXXX XXXX for verification. 4 ) Please send me a complete copy of my credit report as soon as possible so I can check it again for accuracy. 5 ) Please do not release my credit information to any credit issuer in the future without my permission. I will inform you in writing when the matter has been resolved to remove the fraud alert. Enclosed is a copy of the FTC ( if you have one ).
12/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78218	Web
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Creedence Resource Management and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as Creedence Resource Management had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
01/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WA 985XX	Web
The XXXX Tribes Of The XXXX XXXX Reservation Tribal Government Fund paid the bill back on XXXX/XXXX/2015. The tribe had multiple contacts with them about this payment from my understanding each time they talked to them it was being handled. I then started receiving phone calls from Credence Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Telephone number XXXX. I stated that I believed this was taken care of and I would contact XXXX at the XXXX tribal clinic. XXXX told me she would call and take care of it. They have sent numarous letter each I have taken to the clinic they told me fedral funds will not pay twice for a bill. On XX/XX/XXXX XXXX XXXX talked to them and had it all resolved she can be reached at XXXX she has all supporting documents. There is also another payment made on XX/XX/XXXX for XXXX that there are trying to collect on with me too.
12/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 460XX	Web
Have been called nearly 15 times by Credence Resource Management ( phone : XXXX ) with no attempt to leave a voicemail. I returned call and asked who they were, and they said they were not allowed to tell me without me giving me them my name and information first. I said that was not true and they were required to tell me if this was a chance to collect a debt or even simply what their business did before I gave them personal information. He kept saying " I will not. I will not. '' I said my stepfather works for a debt collection agency and I interned there so I know the rules and ethics. He said, " good for you, but I 'm not saying anything until you give me your name and address. '' Completely rude, unethical, illegal, and harassing as they have called nonstop without voicemail ( even a simple voicemail just disclosing a number and to call back )
01/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80537	Web
I had my credit checked as part of a home mortgage refinance, and received a lower credit score due to a new debt that was associated with my name and social security number. The debtor is lisXXXX XXXX XXXX XXXX XXXX XXXXd the creditor is XXXX XXXX XXXX XXXX. I called Credence who informed me that someone illegally opened an account with my name and social security number in XX/XX/2020 and now has a debt due of {$1000.00}. This is a case of identity theft as the account was not opened with my knowledge or authorization. I do not know how my name and social security number were stolen. The person I spoke with at Credence gave me the following information on the person who opened the account : # XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Credence has sent me a Fraud Packet that I have filled out and sent along to XXXX XXXX XXXX XXXX for resolution.
09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 919XX	Web
Ran my credit XX/XX/XXXX and noticed there was a collection account for {$2000.00} sitting on my personal credit. It's taken me 6 hours of phone time to contact all the 3rd party collection company, XXXX XXXX as it seems the fraud was done through them, XXXX and now XXXX who is requiring this report as well. I've already had the collection company and XXXX on the phone and they concur this is not my valid charge. Account that was opened and closed within 1 month in XXXX. Respectfully, requested this be removed from my account as a practicing, licensed through XXXX and CA XXXX, I'm aware of the protocols and sincerely never had to personally go through this process, which is completed painful and shame we take this long for our consumers to resolve. It gets placed overnight but takes a ton of work and effort to attempt and successfully remove.
12/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10940	Web
I disputed a debt from a collection agency called XXXX XXXX XXXX. The collection was investigated as a result of investigation the collection was deleted. I have the proof of deletion, however couple months later I received a letter from another collection agency called Credence ( excellence beyond Belief ). Stating that I must notify there office within 30days that this debt was disputed. I called to let them know this debt has been investigated and deleted off my credit report. Today XX/XX/19 I received an alert from fico. This collection has reported this debt has mines on XXXX. Bringing my score down 44 points. This is illegal. I do not own no portion of this debt, has been investigated already and disputed and deleted. I have proof on my files. I reported this company for fraud. I would like this fraudulent account deleted from my report.
12/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79764	Web
I received a notification about a collection debt in my credit report for an amount of {$280.00}, the original creditor on the report says is XXXX XXXX XXXX but I already went and spoke to them, I only have prepaid lines with them, they pulled out my account information and I do not own any amount with them, the collection agency name is XXXX XXXX XXXX is who says XXXX own the amount above but when I called them, they did not want to give me any information without my SSN, this made me credit went down by XXXX plus points and I was planning on getting a loan at the beginning of next year but this is affecting my plans, if I knew I own any debt I would pay it off, I have never had a miss or late payment, so this is very strange. I'm looking for help to remove this collection out of my credit report so I can keep going on with my original plan.
10/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37803	Web
This debt is originally to XXXX for {$830.00}. I have been trying to correct this with them for over a year now. Credence RM is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from Credence RM that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.
01/28/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33916	Web
Credence Resource Management , LLC. is falsifying dates of acquired debt. Received correspondence since XX/XX/XXXX. The creditor is stating that they never had the debt until XX/XX/XXXX. They are falsifying dates and claiming that another creditor bought the account from them and they then purchased it back from another collection agency. There is only letters coming from them throughout XXXX. They refuse to correct the date they acquired the debt. They are not representing the debt accurately. It posted to credit Bureaus as a new debt in XXXX of XXXX due to disputes that are being made. The equipment was returned to XXXX XXXX XXXX so the debt amount is incorrect. The collection agency is playing the date game so they can hold on to the debt longer. I offered a payoff amount as well which is more accurate to the total owed and they refuse.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92376	Web
According to the FDCPA, specifically 15 us Code 1692c., this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing communication notice in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
05/15/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96782	Web	Servicemember
Credence Resource Management attempted to contact me via telephone and mail. Invoice states that a debt originating from XXXX XXXX under my name was owing. I currently have a XXXX account and contacted XXXX to verify the debt. They have NO record of any debt under my name/SSN/Telephone/Address. I attempted a certified, return receipt letter to Credence Resource Management as directed in the letter to decline ownership of the debt and to request documentation from the originator of the debt. I followed the tracking number and the address given by CRM does not exist ( XXXX XXXX XXXX, XXXX XXXX, XXXX, GA ) under Credence 's business name. I sent and email to file a complaint and request verification of the debt on XXXX XXXX, XXXX I still have not received an answer. I question the legitimacy of this debt and this companies operating tactics.
08/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 77041	Web	Servicemember
XX/XX/2019 I was an employee at XXXX & XXXX. My aunt passed away and i was admitted into the hospital on XXXX work related stress. I was approved fmla for the time off and paid by the company. when i returned i was XXXX. I was billed for company items that were given to me on discounts as an employee. My bank accounts were closed. I never did any business outside of being a company employer. I don't know who is asking me for money. I was not allowed around company properties during a year long investigation and grievance during the pandemic. I never signed a contract nor I gave permission to pass information to a 3rd party that I never heard of post pandemic. This company did not verify a debt without sending written information or notification post pandemic. I dont know why I owe this company the dates are between XX/XX/2019 to present.
08/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
I would like for CREDENCE RM to show proof of verification that I owe them {$900.00} with XXXX XXXX CREDENCE RM is currently report inaccurate information on both XXXX XX/XX/XXXX XXXX XX/XX/XXXX about last date active on the account mentioned above. I would for XXXX XXXX XXXX to show proof regarding Account XXXX As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
11/29/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48116	Web
During XXXX, I was living in an apartment, signed the contract with the leasing office using XXXX XXXX. The leasing office subscribed a sport channel which was free for the first year, and the second year, if the subscription was not cancelled, XXXX would charge for that channel. I never paid TV bill directly to XXXX, was always through the leasing office, and every month the amount was the same. In XXXX, the leasing office didn't cancel that sport channel, and XXXX charged my account, but leasing office still collected the same amount as last year. The leasing office never notified me about the extra charge until I saw my account had a balance, and it was too late to dispute with XXXX. The accumulated amount was {$160.00}. Credence Resource Management LLC keeps calling me about this debt, they call many times per week, day and night.
03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 234XX	Web
I have addresses tied to my credit report that I've never live in my life. One account is from XXXX XXXX as well as XXXX ; Those accounts opened at a time when I was incarcerated for 4 years. The inaccuracy on this account shows the date the account was opened on XX/XX/2021 currently on XXXX ; However, on XXXX it shows this account was opened on XX/XX/2021. According to the FCRA inaccurate information must be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt collectors during my 4 year period of XXXX and by law I never received a debt validation letter. Also, I've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76227	Web
This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
11/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43211	Web
CREDENCE RESOURCE MANAGE # XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ) and ( FDCPA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute needs to be validated by a proof of claim or contract.I am requesting the verification to follow reasonable procedures to Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
09/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75126	Web	Servicemember
XX/XX/2016 A credit collection company was collecting for a balance @ XXXX XXXX which I disputed and was actually settled for {$1500.00} with collection agency due to the fact they could not provide back up only saying I owed the debt to XXXX XXXX {$450.00} They removed the debt then they sold to the current collection company and back on my credit report. Reach out to Credence Collection Company to try and explain the situation was told that I owed the debt - they did NOT have to provide back up to the debt I owe but I owe it. I have turned this over in 2016 to XXXX XXXX fraud department - and a not to mention I am a CURRENT XXXX XXXX customer This is ridiculous that collection agency can continue to purchase a debt that was fraud and already removed not to mention to continue to collect which resulted in a settlement of {$1500.00}
04/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48067	Web
Last year I discovered a fraudulent account on my credit report from Credence Resource Management originating from XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft and this account was created without my knowledge. The account was created in XX/XX/XXXX ( XXXX account # XXXX ). I found the account in XX/XX/XXXX and began disputing it. On XX/XX/XXXX I filled an identity theft report with the FTC ( FTC report # XXXX ) and filled out XXXX XXXX XXXX XXXX XXXX XXXX identity theft form ( incident # XXXX ). The account was removed from my credit report and I thought the matter was resolved. On XX/XX/XXXX the account reappeared on my credit report. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX at the number I was given ( XXXX ) many times but I only got a busy signal, not even a voicemail. I have no other way to contact them.
05/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90017	Web
XXXX incorrectly billed my account after I had closed the account and stopped service. I switched services to XXXX XXXX XXXX and XXXX kept charging my account. My service with XXXX ended in 2018. They sent me the bill and I called them and they agreed that there was no bill to be paid. XXXX cancelled the bill. However, afterwards a debt collector came to collect. After many phone calls back and forth, they finally dropped the claim as it was false. XXXX still maintains that they are not sending anything to any debt collector and that I owe them nothing. Recently Credence Resource Management has tried to collect that same debt, which does not exist. This is now 3 years later and I'm still chasing away these fraudulent debt collectors. They have now lowered my credit score by falsely claiming that I have a late payment. Plase help!
03/03/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60615	Web
This collection company calls my work phone 4 times a day, misrepresents the dates and age of the credit account, and ignores the fact that I have disputed this account since inceptionXXXX XXXX provided me with non-functional products and attempted to charge me for them after their return to the original purchaser. Which is the original debt disputed. After calling them, escalating, etc. they decided to collect and I decided to go with a real phone company. Since then this debt has been passed multiple times and now it is with an outsourced XXXX company that uses harassment as tactics to collect on bad accounts that XXXX is likely pushing on all its clients, despite their service blacking out at my home day in day out, and them replacing my phone 3 times, which did nothing, this is what I received in return for trusting their brand.
02/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89183	Web
Upon having my credit report obtained there was a collection debt for {$91.00} with credence resource management. When confirming my address, Credence Resource Management did not have my Apartment number, therefore I had never received a bill from Credence ( nor from XXXX XXXX XXXX XXXX, the bill that went to Credence ) I paid {$91.00} to Credence Resource Management on XXXX XXXX,2018. I asked for a letter of deletion, thru said they dont do a letter only show paid in full on my credit report. I was told to call XXXX XXXX XXXX for the letter of deletion. I called XXXX XXXX XXXX to be told they dont do the letter of deletion and XXXX XXXX XXXX told me to call Credence Resource Management for the letter of deletion. I got the total run around from both companies. This was their error. They didnt have my correct apartment number.
02/19/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93311	Web	Servicemember
I had identity theft in XXXX in XX/XX/XXXX I requested my credit report and corrected wrong information. There was a collection XXXX at XXXX XXXX XXXX for {$2900.00} from XXXX XXXX XXXX. I disputed this account because I never received info on it. In XX/XX/XXXX the collection was deleted from my report. In XXXX I applied for a loan and this debt showed up again as opened XX/XX/XXXX. I disputed it with XXXX who said the collector was accurate? I never received any info on this debt? It was opened on XX/XX/XXXX But it was opened XX/XX/XXXX! That is not accurate. And I do not know if that is my Bill or identity theft because I was never given any info at all. The debt is barred XX/XX/XXXX which I dont understand because it was initially opened XX/XX/XXXX! It was deleted now XXXX says they provided accurate info? This cant be true.
02/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10583	Web
I received a credit alert from my book telling me a received a major derogatory mark on my credit report with CREDENCE Resource Management. The account number is XXXX and date status reported XX/XX/2023. The amount is $ XXXX called this company and they told me someone opened an XXXX XXXX XXXX account in my name in XXXX. I told them that I do not live in XXXX or know anyone in XXXX, and this was not me. About 6 months ago possibly the same person tried to open an energy account in XXXX in my name as well. This was removed from my credit report. I was told that this matter was turned over to this collection agency and an attorney. I called XXXX, who helped me with the last issue, and reported the problem. I was told to file a report to your agency. Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
08/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11758	Web
this account was removed by CFPB from all three credit reports due to not being verified as being mine According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
06/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89149	Web
Credence Resource Management is a scam business based in another country - not in XXXX like they advertise. They are reporting a debt from XXXX XXXX XXXX XXXX for {$1300.00} and its ruining my credit. I havent been a customer of XXXX XXXX XXXX in almost 20 years. I tried working with them but they always say theyre transferring you to another department but the call never reaches the correct department. The representative always says that there is no one available to take your call. He/she says this every time. The debit is invalid and not mine but they just keep reporting it. Their sister company, XXXX XXXX XXXX, does the same thing except with XXXX XXXX. All of the reviews are horrendous and talk about how both companies frequently scam consumers using cellphone company debts. Please stop this. They are really doing harm.
03/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 453XX	Web
Credence Resource management popped up on my XXXX report showing an amount of {$190.00} owed on XX/XX/. I disputed it because I had never heard of this before. No calls, letters, anything of that nature. XXXX ruled in my favor XX/XX/, removing it from my report. I mailed a letter requesting verification of the debt. On XX/XX/, Credence Resource Management showed up on my XXXX report for the same amount. I disputed it. While waiting a month for a resolution, I have not heard back from them regarding my request. The dispute was resolved XX/XX/XXXX in favor of CRM. I have emailed to try to get more information about this debt. I have only received an email that was password protected. The password is invalid. I do not even know the account number to even try to begin to resolve this debt and my requests keep going unanswered.
02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 40272	Web
XXXX has tried once before ( back in XXXX ) to get an old and closed debt from me for XXXX. The new one is from XXXX. It could be for old internet this time - but XXXX was all in one. Aside from this being a debt from XXXX that nobody has ever called about- it was opened for my Mom, who paid it in store and closed the account. They took the box- we have nothing to give them. We don't remember our XXXX account number, what method we used to pay them off - I just want them to stay out of my credit score. If they want a modem, we have a bag full of working modems their techs have left with us- they can have as many as they want if it means they quite trying to squeeze money out of me. Again, no form of communication - this is from them or either debt collection company they've used. Nothing written, no attempts to call.
01/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 100XX	Web
The caller claims to be Credence Resource Management, a debt collection company. The caller claimed I owe {$210.00} on my XXXX XXXX XXXX account, and the debt was generated from XX/XX/XXXX to XX/XX/XXXX. I didn't have an account with XXXX XXXX XXXX until XX/XX/XXXX, and because it's a prepaid account, it's impossible for me to owe money to XXXX XXXX XXXX. The caller knows my name and my address, but refused to repeat my SSN to me over the phone. They called me three times so far regarding the same issue, on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. I confirmed with XXXX XXXX XXXX that I do not owe money on my account. I wasn't sure if I am a victim of identity theft, or the caller is a scammer. On the third call, I told the caller I dispute the debt, and demanded them to mail the proof of the debt to me.
06/25/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	LA 711XX	Web
XX/XX/2018.. I got a call from Credence Resource Management. That representative was not rude. I hung up the phone and called XXXX ... the second I called credence resource management, the guy that helped me with my account was very rude, kept interrupting me, using profanity, and bringing up subjects that did not pertain to why I was calling. I said I can only afford so much per month and he kept tryin to get XXXX dollars from me ... the representative also told me to max out my credit card, and when I said I dnt have a credit card with that much of a credit limit, he proceeded to ask me how much is on my credit card. I informed him that it is not any of his business. He kept asking me over and over again. I have contacted XXXX about this issue, and asked for my account to be switched to a different collection agency.
06/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 148XX	Web	Servicemember
On XXXX / XXXX / XXXX I recieved a past due bill of {$150.00} from XXXX XXXX XXXX that is due by XXXX / XXXX / XXXX . I was advised the account was closed and My name was no longer associated with the account. Today on XXXX / XXXX / XXXX I also recieved a letter dated XXXX / XXXX / XXXX from the credence resource management , LLC that they were attempting to collect {$150.00} on behalf of XXXX XXXX XXXX . I was never made aware that I was still on the account associated with the bill and made several attempts to contact XXXX XXXX XXXX to dispute the charges, where I was transferred to several agents that stated the account number I was associated with was closed and had a {$0.00} balance. XXXX XXXX XXXX also stated I would need to contact the collection agency to resolve the matter.
12/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
12/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
05/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 631XX	Web
On XX/XX/XXXX Credence Resource Management , LLC contacted me regarding a debt for XXXX XXXX XXXX XXXX for a balance of {$440.00}. On XX/XX/XXXX I sent a verification of debt letter requesting balance owed, amount of debt when received by collection agency, last billing statement including itemization, notice of last payment to XXXX and when account became delinquent. On XX/XX/XXXX Credence responded confirming verification of debt received. On XX/XX/XXXX I received two bills and no further information. The bill was from XX/XX/2019 and XX/XX/2019 no additional information was sent. This is not adequate verification of a debt because it does not reflect balance owed. I would like to report this collection agency for their inability to supply the requested information and request all calls and letters stop immediately.
05/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30680	Web
First, these people never made an attempt to contact me on the collection at all. This company has filed a second claim against me for the same XXXX bill that I have already disputed and won. Even though I won the dispute with all the evidence including transcripts where I spoke to XXXX and they stated that they didn't know why this was being claimed by XXXX and that my account was paid in full. This was a issue with the partnership between XXXX and XXXX with an apparent lack of communication. I had an account with XXXX that bundled XXXX XXXX They just continually keep filing this in collections. It makes absolutely no sense. I paid this debt immediately when it was owed through XXXX well before it was ever sent to collections. Now my life is a nightmare for a XXXXXXXX XXXX XXXX that was that was never even owed
01/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90068	Web
Hi, I went into XXXX XXXXXXXX XXXX XXXX XXXX XXXX to receive my Covid-19 vaccine, XXXX. I had a bad reaction XXXX 's first dose. I was told by the hospital I would not incur any medical charges due to the fact that it was a bad reaction to XXXX and they said XXXX would take care of the charges. However, a year later I am still getting a charge from XXXX XXXX XXXX over the bill that was related to the Covid 19 vaccine. I had tried calling XXXX, but they outsource their call center to XXXX and they are not able to fix my issue without a contact person at XXXX XXXX 's XXXX XXXX XXXX. I was on hold trying to reach a supervisor, since they are the only ones able to fix the bill. I spoke to XXXX employee number XXXX. I need them to fix the creditor issues and the bill since it was related to the Covid 19 vaccine.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 349XX	Web
I have tried several times to get the fraudulent accounts opened in my name without my consent off my report. XXXX and XXXX are knowingly reporting inaccurate fraudulent information to my report which violated the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX and Credence XXXX XXXX XXXX XXXX XXXX XXXX for {$370.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX for the same duplicate account and I have had XXXX XXXX for the last 2 decades and why are they allowed to lie and report inaccurate information. So please ask where this account was set up and what proof of identity was given. I have filed and FTC identity report and I have reason to believe this was identity theft. I think that is the case with the XXXX XXXX XXXX XXXX XXXX for {$270.00}.
10/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 383XX	Web	Servicemember
I have recieved from Credence Resource Management LLC a bill for XXXX XXXX in the Amount of {$230.00}, repeatedly this past week, I have recieved phone calls to either have " discount payments '' or to have it " auto debited from my account '' " this way, " THERE WOULD BE NO CREDIT REPORTING BECAUSE IT IS DUE NOW TO BE ON YOUR CREDIT REPORT ''. I set up a {$20.00} a month payment, I am on Government XXXX and have other payments to make then their Royal Majesty 's aforesaid. This little bill better NOT go on my credit report or I will sue the living snot out of these people. The Phone calls and the Credit Report Damage Threats need to come to a grinding halt. I have kept my end of the bargain. Mam or Sir, As Uncle XXXX pays me, I will pay Credence/XXXX XXXX XXXX XXXX. Any further problems, I want a Lawyer!!!
06/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60563	Web	Servicemember
In XX/XX/2017 I switch cell phone companies. From XXXX XXXX XXXX to XXXX. I attempted to contact XXXX XXXX XXXX several time within 14 days of my switching carriers to return the phones from my plan. I was not successful in receiving return labels or getting a call back/follow up from their customer service. The account was sent to collections, I paid the balance of my final bill to the first collection agency that was assigned. I also made the first agency aware my attempts to return the equipment and received no help. The agency was supposed to document the issue and get back to me with a resolution. That never happened, they have now sold the account to this new collection agency. The new collection agency has placed this derogatory mark on credit without attempting to resolve the equipment return issue.
11/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94086	Web
I had a XXXX account before and I canceled it last XXXX and joined my friends att family plan. And I got a {$1.00} charge from XXXX XXXX XXXX, which I think its weird, I disputed it. XXXX didnt contact me at all for a year and sold it to a debt collection company with the late fee which is {$38.00} for total. And XXXX said they cant help me with it since they already sold it to debt collection companies and I can either pay the {$38.00} and talk to the debt collection company which dont even even to me just keep repeating my transactions from the XXXX bill they got. As a company I dont think they should just sold the customers information with not contacting or verifying with their customers for any unpaid bill. How can I know what kind is that bill after I canceled my plan and they closed my account on XXXX
03/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 335XX	Web
Hello : The company is called Credence Resource Management ( CRM ). There address is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. The account number they are using is XXXX, which they claim was opened on XX/XX/XXXX, with a balance of {$530.00}. I have attempted to dispute this false or fraudulent information with CRM on XX/XX/XXXX. I informed CRM that I had no knowledge of this debt. CRM has offered no record to support their fictitious claim and has failed to remove this false and derogatory information from the Credit Bureau. I believe CRM is engaging in false information for the purpose of fraud. By making a false and unsubstantiated claim of indebtedness, CRM is attempting to extort payment for profit. CRM is improperly and adversely attempting to diminish my potential credit worthiness for their profit.
01/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web
This Is my second attempt to communicate to this creditor. this debt from XXXX XXXX is not mine. This previously disputed account that was REMOVED from my credit file. Has simply been renamed or purchased by a different COLLECTION ageny in an attempt to fraudulently collect this UNVERIFIBLE DEBT. I demanded picture confimation showing this debt was mine and was not provided. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, While some were removed others have simply sold the debt and is now reporting again. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
09/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 42303	Web
I have several issues to report. I never went by the names of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I never lived in XXXX, KY at XXXX XXXX XXXX. The XXXX XXXX XXXX account that is being handled by XXXX XXXX XXXX for {$150.00} I have the equipment that needs to be turned in. Account # XXXX. Was opened XXXX XXXX. The account XXXX XXXX XXXX XXXX opened XXXX XXXX for XXXX XXXX XXXX XXXX the amount of {$270.00}, # XXXX is not mine. I never received this service. Credence Resource Mana for XXXX-XXXX in the amount of {$150.00}, account # XXXX opened XXXX XXXX I'm assuming is for the XXXX XXXX XXXX bill so I don't know why it's on my credit report twice. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX so you can mail me any paperwork that I need to fill out. Thank you very much! XXXX XXXX
04/13/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95678	Web
More than twice I have contacted Credence and asked they verify the debt and also provide me with the process, and contact information validating my debt. I let them know during this time I had a lot of fraud with my SS # and credit being used. I requested documentation bearing my signature showing where I have agreed to ever pay Credence or the other company they are collecting for. Upon my requests I get the same stall tactic letter in response. " We have investigated and verified the debt is is valid and belong to you ''. Never have they sent me the process, or who validated this debt. They also were requested by the big 3 credit companies to do the same and XXXX XXXX nor XXXX XXXX were able to provide the validation the law states they must provide. I have been requesting this data since XX/XX/2020.
02/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33578	Web
I agreed to pay debt and provided them my card info XX/XX/XXXX. They called me back 4 times from 4 different numbers asking for my card information again each time. I then called then called XXXX who the account was for and paid them directly XX/XX/XXXX. I notified the collection agency to remove from my credit file and they said they havent been notified by XXXX. On XX/XX/XXXX I did a conference call with XXXX and the collection agency and they confirm payment and provided reference number for the payment. Then two weeks later I called again because it was still reflecting on my credit file. The collection agency said they needed to investigate. I sent an email with payment confirmation to XXXX XX/XX/XXXX its still on my credit file and XXXX removed it from collections when payment was made XX/XX/XXXX.
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
XXXX XXXX contract was complied fully with, All monthly payments per contract made. Confirmed with representatives and have employee ID 's. Refused to resign another contract with them. Returned there equipment and followed all instructions to fully satisfy any obligation. 4 months to 6 months after leaving XXXX XXXX attempting to collect debt without providing proof of the debt. The debt was disputed as not being old. The 3rd party collection company Credance takes the bully approach the debt was validated and owed. XXXX proof. Its typical XXXX XXXX XXXX crooked 3rd party collections and not compliant with FCRA and common decency and respect. Instead they choose to threaten a persons credit, pay or else. Documentation has been collection for further action, One further action is this complaint to CFPB
07/27/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77469	Web
We had XXXX XXXX XXXX phone service at home for years, but it would stop working frequently. We notified XXXX XXXX XXXX about this problem on several occasions, but it would keep occurring and XXXX XXXX XXXX never fixed the issue. We ceased paying our XXXX XXXX XXXX bill, because we had no service, and now they have turned it over to a collection agency. We informed the collection agency, Credence Resource Management, to stop all communications and that we were disputing the charges. Credence Resource Management has ignored our request and continues to call my place of employment on a daily basis. They also refuse to identify who they are or the nature of their communication. Credence Resource Management, we believe, is in violation of federal and state ( Texas ) law when it comes to debt collection.
02/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55369	Web
I received a debt collection from noticed Credence resource management llC claiming that I owe a debt from XXXX XXXX. I never had account with XXXX XXXX I sent the company listed above a letter of debt Validation on XX/XX/XXXX asking for the following info the amount that they claimed that I owe detailed calculation of rhe balance they say that I owe copies of the signed agreements showing that this account is my obligations copies of judgements if applicable to the account proof of the time statutes of limitation pertaining to the debt PROOF OF COMPANIES LICENSING TO COLLECT debts in my state as well as licensing number and registered agent ANY CREDIT APPLICATION WITH MY SIGNED SIGNATURE ATTACHED VERIFICATION OF ORIGINAL CREDITOR THIS IS TO BE INCLUDED ONLY IN THE LETTER FROM THE COLLECTION AGENCIES
08/29/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17602	Web
Credence is attempting to collect a {$670.00} debt from XXXX XXXX. I was receiving XXXX XXXX service from XX/XX/2018 until XX/XX/2018. The service was so terrible that I terminated early. I was not receiving the channels that I was paying for and was not receiving reception on a regular basis. Due to not receiving the service that I was paying for, I cancelled. I made multiple calls to XXXX to rectify the issue. I was met with long hold times, told to call back or hung up on by XXXX 's service team. Scheduled service calls resulted in my missing work for technicians that never appeared. Due to this, I stopped service. XXXX then tried to charge {$670.00} for terminating early. I did not receive the service I was paying for and had no choice but to terminate the contract. This debt should not be owed.
01/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80015	Web
I sent Credence a letter disputing an account that they placed on my credit without sending me any collection notice prior to putting it on my credit report. On my credit report it shows XXXX being the original creditor,. I am a current customer of XXXX and my account is active and in good standing, so I called them in XXXX 2022- and they stated my account was in good standing. They said they did not have any account of mine sent to collections. I have reported Identity theft ( fraud ) to Credence regarding this and I also sent in the fraud paperwork. They have yet to remove this account. This account needs to be removed immediately, Ive placed fraud alerts on all three credit bureaus as well. Ive included my letter to credence and their response, as well as a copy of my credit report.
02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11101	Web
I was alert by XXXX XXXX that there was a collection in my credit report. Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.
02/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH XXXXX	Web
I have been receiving calls for years from debt collectors looking for XXXX XXXX, XXXX XXXX, or other given names with the surname of XXXX ( I am unsure if that is the correct spelling ). I had one call yesterday and two calls today. With the second phone call today I became billergerent and demanded that I be given the phone number that this person was calling from. That demand usually is met with a hangup, but this time I was given a number and informed that the company name was Credence Resource Management. My current number was originally unlisted and I listed it again over a year ago in the false hope that these calls would stop. I did state to the individul who called that if they would google the number they would see my name and not the : XXXX '' and that I would be filing a complaint.
03/24/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33311	Web	Servicemember
I went to the emergency room on XXXX XXXX, XXXX. The hospital has released all of the amount charged via their internal program to waiver fees due to my circumstance. An emergency room doctor/team member billed me separately and decided to sell my information to collections. I have continued to receive debt collection calls via robocalls daily from " Credence '' during work at least 3 times daily since XX/XX/XXXX. When I answer, I hear dead air then a recording that says this call is being recorded... When I wait for someone to speak with, they barely speak English and can not discuss " details '' of the call. In XX/XX/XXXX, I asked them to stop calling because I am at work. It is now XX/XX/XXXX and I still receive robocalls from this company consistently. How do I resolve this matter?
01/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66048	Web	Servicemember
Today I spoke with a XXXX XXXX from Credence Resource Management who in formed me that this account had gone to collections from XXXX XXXX XXXX. I have been disputing this bill with XXXX XXXX XXXX since XX/XX/2017. I terminated service in XX/XX/2017 and moved to another company. They continued to charge me for services I was not receiving. Their representatives have repeatedly told me that these incorrect charges were reversed and my account was fixed. I just spoke to a representative for hours on Saturday who told me it had been sent to a supervisor. Now I'm being told it is with a collection agency and I can only deal with them and not XXXX XXXX XXXX. This account is not due, should not be in collections and should not affect my credit nor should it be sold to another collection agency.
12/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85257	Web
I called and canceled my XXXX services XX/XX/XXXX. As per their policy they sent me a box to return all of their items in. I fully packed the one large box they sent with each and every item I had ever received of theirs. I then took this box to work and had my daily XXXX driver take it. About one month later I started receiving the harassing phone calls from XXXX claiming I did not return all of their items. I did. Many phone calls, some of which were heated, ensued. They continued to harass me at home and at work until in XX/XX/XXXX I started receiving phone calls from a debt collector regarding this matter. Credence Resource Management LLC is the debt collector. They are attempting to collect {$190.00}. I do not owe XXXX or this debt collector one penny! I returned each and every item.
10/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55446	Web
Today, XX/XX/2022. I got an XXXX credit alert that said an account in my name was reported to collections. I looked at the reported and it shows that a debit collection company by the name of Credence Resource MAMA is trying to collect a debt in the amount of {$3300.00} from the XXXX XXXX XXXX XXXX XXXX. The credit collection company said it was given the account on XX/XX/2022. There number is ( XXXX ) XXXX and their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never been with XXXX XXXX XXXX at all in my life, so I know that this infact is not my account. I called XXXX to report this as fraud. They told me to fill this form out that I'm filling out right now. I called XXXX XXXX XXXX and reported a fraud. I called the debt collector and told them this was fraud.
02/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23666	Web
I sent a dispute letter to validate a debt Credence Resource Management , LLC on XX/XX/XXXX. I received a letter from the collection agency acknowleding they received my dispute dated XX/XX/XXXX. Then, I received a second letter from Credence Resource Management dated XX/XX/XXXX stating " The creditor verified that the charges on your account are valid.. '' I did not receive anything proving this debt is validated and that it is mine with this letter I received anything required by the Fair Debt Collection Practices Act from the collection agency. I am requesting that this debt be permanently deleted from both my XXXX and XXXX credit reports because the debt had not been validated and it has been 54 days since the debt validation. Long past the legal amount of time to validate the debt.
02/15/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90280	Web
The debt collection company Credence disclosed account information with my XXXX who also has the same name they have been XXXX him and calling him regarding a debt that is not owed by him but myself trying to get him to pay he is a XXXX who does not speak XXXX so when they called he thought the debt collection was his when Im fact its was not. They tried to settle with him and disclosed the amounts. When I called credence to verify the debt they agreed with me that they broke the law about discussing the private account information with someone else and they did not properly verify the identity of the person they talked to. I asked why they charged me the amount that they did and they said for contract cancellations of XXXX XXXX XXXX but I am a employee and have no contract with them.
11/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 974XX	Web	Servicemember
I received a call from a debt collector from Credence Resource Management, XX/XX/2022 about an alleged debt from XXXX XXXX in the amount of {$11000.00}. I told them to send me something in writing because I never owned an XXXX XXXX account. They said it was opened in XXXX I told them this is fraud. XX/XX/2022 I sent them a validation letter and they responded that the debt was recalled from Credence Resource Management LLC and returned back to XXXX XXXX XXXX on XX/XX/2022. I have submitted a police report along with an FTC Identity Theft Report to XXXX XXXX XXXX fraud department as well as Identity Theft Affidavit. I did not receive any information back on the investigation. XX/XX/2022 Credence Resource Management LLC has now reported this fraudulent account onto my credit report.
01/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76116	Web
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
08/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 281XX	Web
Credence Resource Management has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). Credence Resource Management was not present for the initial contract between myself, and XXXX XXXX/ XXXX XXXX therefor Credence is in direct violation of my rights by contacting about this alleged debt. Credence Resource management has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave Credence Resource Management consent to contact me about anything. Credence Resource Management furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).
02/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19977	Web
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file immediately : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX
05/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98036	Web
Hello, my name is XXXX XXXX XXXX Last year, a man came to my house and told me that he is XXXX XXXX XXXX assistant and asked me to move to his carrier. Me and my friends put 3 lines in XXXX XXXX XXXX but by somehow, he put me and 2 of other in the same line which i am the account holder. Later, one of my friend paid off the phone and move to separate line, the other one XXXX XXXX XXXX did the same thing but he didnt pay off the phone. XXXX XXXX XXXX XXXXhould have XXXX information, the ssn and address. Right now they put me in the collection with his phone. I know that he still using that phone but different number ( XXXX ). Maybe even him didnt know he have to pay for the phone. I tried to talk with the company but they keep asking me to pay for the phone which i never used.
03/27/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 707XX	Web
Call every Monday-Saturday When they first made contact it was to my fiancs phone number whom they assumed to be my spouse. They told him all the information in regards to the debt which is illegal being he is not my spouse. They had his phone number but not mine. Ive talked to them before and told them Id call back when it was convenient for me as I was working when they called my phone number. Now they have not stopped calling every single day, Monday-Saturday. Now today they have had called three times. On Saturday XX/XX/XXXX they called 3 times, XXXX, XXXX and XXXX Friday, XX/XX/XXXX XXXX Thursday, XX/XX/XXXX XXXX Wednesday XX/XX/XXXXXXXX Tuesday XX/XX/XXXX XXXX Monday XX/XX/XXXX XXXX Saturday XX/XX/XXXX XXXX I attached a screenshot and their number shows as Credence.
08/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 280XX	Web
THE ACCOUNT LISTED DOES NOT BELONG TO ME THIS IS NOT MY DEBT I am writing to request and initiate a formal complaint against CREDENCE RESOURCE MANA, XXXX, XXXX and XXXX XXXX. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
01/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43204	Web
I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please delete/remove the following unverified accounts CREDENCE RESOURCE MANAGEMENT # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXS # XXXX, XXXX XXXX XXXX XXXX # XXXX
01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60030	Web
I've been having problems with a XXXX XXXX XXXX since XX/XX/2022. I started to receive both internet and cable bills from XXXX XXXX XXXX under my name from my parents address. I did not know that my parents had opened up the XXXX XXXX XXXX bills under my name until I received this mail. I filed a police report, and several disputes within XXXX XXXX XXXX. I even have text messages proving that I did not authorize my parents to open up the account in my name. Even after receiving a notice that I would not be held liable ( attached ) from the XXXX XXXX Department, I continued to receive bills for the internet and cable before my parents transferred the accounts over. Now, a creditor reached out from Credence Resource Management , LLC on XX/XX/2022 to collect on account XXXX.
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 229XX	Web
6 years ago or so I lived in an apt with a elderly Male. When I moved out he kept the XXXX XXXX bill in my name on. Eventually he moved out and eventually returned the box ( which they received ). They charged me XXXX, for the fees of them not receiving the box. It suddenly appeared on my credit report last XXXX or so from collection agency XXXX, I called, disputed it, and it got taken off my credit report, raising my credit score very very much! Suddenly a few months ago it shows back up From a collection agency called CREDENCE RESOURCE MANAGE causing score to drop again!! I have all evidence it was taken off. I need help. I've disputed it twice now to no avail. Thank you for your time. I have screen shots I can send showing it was taken off my credit report, dates, etc
01/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31605	Web	Servicemember
Back in XX/XX/XXXX Someone opened a cable account using my information, I contacted XXXX XXXX once the person had moved from my home and they turned the cable off but didn't pay the bill, on top of that they didn't tell me it was in my name. Well i disputed this back in XX/XX/XXXX and everything had been deleted off of my report and everything had been taken care of. and they had even apologized for allowing someone to open an account in my name. Well recently a company named credence resource mana contacted me saying they have a new account XXXX from XX/XX/XXXXand I explained to them the situation how it had been removed years ago and how could it just automatically come back. They told me it was my problem they didn't care how old it was, and that I would have to pay.
03/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Upon receiving debt collection notice on XX/XX/2018 from Credence Resource Management LLC I determined the debt in collection was not mine. I followed up by sending a letter to the company on XXXX Demanding Credence provide proof that i owe the debt. It is now XXXX and Credence has not provided proof. I spoke with Credence today and was offered lower amount that what the bill states. I explained i never authorized cell phone service with XXXX. XXXX fraudulently used my social security number and mother in law 's name to open an account without my permission. Then proceeded to close the account and have it sent to collections. Credence is unwilling to provide proof that i would owe this debt. I've demanded they remove it from my credit report. Credence has not complied.
08/04/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 194XX	Web
The company is Credence XXXX XXXX and their phone number is XXXX they called on my son 's cell phone then my husband 's then mine. They would not give me any information on the debt unless they were provided with my mailing address and last for digits of my social security number. I refused to give that information over the phone. As far as I know- I am up to date with all my bills. I did not receive by mail or phone any complaints that I am not up to date with any of the companies I deal with directly. I believe they are a scam because if I owed money and this was a legitimate company they would already have my mailing address. They call frequently and leave no voice mail messages. Please see if you can investigate them if there are any other complaints. Thank you
03/19/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 90247	Web
beginning of XXXX of last year, credence resource management has been trying to collect a debt for XXXX that has my name on it but not my correct phone number i have never changed in 20 years. They did attempt to verrify debt by sending 4 of the most recent but any name can be entered there by them so they can collect on fraudulent debts. They say I owe {$1300.00} in one letter {$1300.00} again for another account, {$220.00} and {$170.00} all in the 6 months that it says the account was open for. I informed them this is not my debt not my phone number but they do their own investigation and replied on or about XX/XX/2022 that I owe this debt on a phone I have never used. For 2 years they not only have marked me as a bad cobsumber for a debt that is CLEARLY not mine.
03/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77064	Web
On XXXX I contacted Credence Resource regarding an account they were attempting to collect on. In term they sent a letter saying they were ceasing collection activity and thus removed the account from my credit file. On XXXX I got a notification that a new collection had been added to my XXXX credit report. After logging in I saw that Credence has reported the same account that was once deleted but with a new account number making it look like I this was a new and recent collection account. I then checked my XXXX report and noticed they had reported the new account on there also. I have never received proper validation for the account they were trying to collect on. Their reporting caused a huge drop in my credit score because apparently they re-aged the account.
06/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33634	Web
I bought a family plan for mobile phones and services with XXXX in XXXX. In XXXX I made a complaint with XXXX because from the beginning it had been charging me {$30.00} every month. XXXX did not solve the problem for me. I am aware of the complaint with XXXX XXXX for the return of the amount it owed me, which was approximately {$700.00}. XXXX XXXX decided in my favor and of the payments that I had made every month, it returned about {$700.00}. Now the collections company XXXX Resource Management with the telephone number ( XXXX ) XXXX They call me threatening saying that he is a lawyer. They also sent an account for {$1700.00} to the credit company XXXX, XXXX, and XXXX. At XXXX it appears with the account number XXXX XXXX XXXX XXXX XXXX, Mi XXXX Phone XXXX XXXX.
12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 389XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
10/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76116	Web
I received a claim on my credit report from Credence Resource Management. They claim that the original creditor was XXXX XXXX. I called XXXX to ask if they have reported a balance against me to a collections company. They did not have any record of me owing them money. I now have a balance owed to Credence Resource Management for the amount of {$700.00}. The report claims that I opened an account on XXXX. I did not. The balance was reported on my credit on XXXX. I filed a dispute through my XXXX account on XXXX. I called Credence Resource Management on XXXX and told them to remove the claim from my credit report. I also emailed them on the same date stating the same thing. I have never received any voicemails, mail, or emails from this company at any time.
04/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70791	Web
Theres incorrect information on my credit report. I spoke with Credence Resource Management on XX/XX/XXXX in regards to a collect on my credit report for an XXXX XXXX XXXX account thats been paid off for over 4 years now. I was informed that they never deleted it from my credit profile, because I never gave them the initiative to. But after speaking with a representative via telephone, he informed me that it would be deleted from my credit profile within 7 to 10 days. It has now been 21 days, with 15 of those days, being classified as business days. They will not delete the collection, they are just continuing to give me the run around and Ive been more then patient with them, because once again this account was paid off XXXX years ago in XXXX, it is now XXXX.
09/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92832	Web
Creditor Credence RM reported a derogatory remark on my credit report randomly without proper notification of the debt. I had absolutely no idea the debt even existed when the company reported it. The derogatory remark hurt my credit score in a major way. I was not properly notified about the debt. Its such a small amount, I would have paid it if I were made aware. I contacted the company about not being properly notified and if they could remove it from my credit report and they said No. I was willing to pay the debt off, but I would like it removed from my report and the company refused. They could not prove to me their attempts notify me, but still refused to remove it from my report. The creditor is Credence RM and it was placed on my report on XX/XX/2020.
10/08/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60615	Web
Credence Resource Management has called my office phone number multiple times a day for awhile. When I do answer, there is no one on the other end and it hangs up within about 5sec. They never leave a message. I have no idea what this could be about. I do not have any delinquent debts and I check my credit report annually for fraud. Below are the dates and times they have called as far back as my phone tracks : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
06/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 757XX	Web	Older American, Servicemember
On XX/XX/2020 we started receiving notifications that our credit rating was lowered due to a bad report by Credence Resource Management on behalf of XXXX. I contacted XXXX XXXX XXXX XXXX and they have no record of us having a XXXX account. Have contacted credit reporting agencies and filed a dispute on the false claim by Credence Resource Management. Our town does not have XXXX or XXXX XXXX XXXX landline service. We received blind call ( Numbers only as caller ID ) today and normally we don't answer these calls. Turned out it was a caller from Credence Resource Management. When I told him that XXXX XXXX XXXX XXXX was not available in our area, he would not discuss and hung up. These folks have messed with a great credit report and should fix the problem.
11/21/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33578	Web
Starting on XX/XX/2019, I started receiving robocalls on my cell phone with caller ID from XXXX XXXX. We do have XXXX XXXX XXXX cell service and recently upgraded phones so I assumed the calls where follow up/survey calls related to that. The calls are coming at least once daily. Today, I answered the call so that they would stop the follow ups. Imagine my shock when it was " XXXX XXXX XXXX '' attempting to collect a debt which I have continually disputed. The correct name of the caller was NOT on the caller ID, which is a violation of the FDCPA. This agency is using deceptive tactics. It also took several seconds to connect to a person vs. the autodialer. Please investigate the deceptive tactics by this company in falsifying the identity of the caller.
11/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32818	Web
I received an email alert from experian on or around XX/XX/XXXX notifying me that information on my account has changed. I reviewed the information provided and discovered a debt collector reported to XXXX in XXXX that I owed XXXX XXXX XXXX or someone around {$450.00}. I have never been contacted by any company named XXXX XXXX XXXX in any form of writing either by US mail or by email. It is my understanding that before any company submits any debt report to such company as XXXX, the reporting company must have first notified me of such debt and attempted to collect such debt and failed. As stated above, this company has not contacted me in writing and I would like to have this negative report erased as soon as possible from the credit Bureau XXXX.
09/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA XXXXX	Web	Older American, Servicemember
The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XXXX XXXX, 2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX XXXX. This collection company was sent XXXX written notices by me. The XXXX written notice was sent by regular mail on XXXX XXXX, 2015 and XXXX notice was sent by certified mail on XXXX XXXX, 2015. XXXX notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.
08/07/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98056	Web
The company I am complaining about is Credence Resource Management. This company has repeatedly called from a bunch of different XXXX numbers and only identified by the staff name and not the company name. I always ask what company they are from and they are reluctant to tell me. When they do, they are not understanding of my situation. They sent me a letter in the mail saying I could have my debt forgiven if I fill out the hardship form. I sent it and now they are still calling Me a month later and harassing me for the money and talking about how it will affect my credit report negatively. They were not willing to work with me on the offer and were not understanding that I really needed that forgiveness since I have been furloughed due to the virus.
08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT XXXXX	Web
CRM has notified me that they reported a fraudulent debt in my former married name from an account opened fraudulent by my ex husband from 2010. They have reported this fraudulent debt to XXXX without any notification or correspondence. I contacted them today and XXXX a representative tried to offer me settlement on a fraudulent account. I made him aware this was fraud and I would fax the police report information to him. And he still continued to offer a settlement on a fraudulent account. I made him aware I would be filing another CFPB complaint for these willful actions. These are major violations including reporting a re-aged fraudulent DEBT opened back in 2010. They can retrieve the police report directly from the XXXX XXXX police department.
05/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85019	Web
I reviewed my credit report and found my score dropped XXXX points because credence resource management reported false information on my report stating i had a cable bill from XX/XX/XXXX and as a open account i called spoke with member of management told was fraud and i need documents never got any proof of debit. I sent 4 emails to credance XX/XX/XXXX i recvived an email with an attachment i could not open my zip code did not work i sent an email right back informing credance of this. I recvied a response at XXXX my time on XX/XX/XXXX just to say they got my response. I sent more emails reguesting proof of debit i got two more emails XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX XXXX. As of today XX/XX/XXXX i still have not recived an proof of this debit
03/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
In XX/XX/2019, I had a XXXX and was taken to the hospital in an ambulance operated by XXXX XXXX XXXX. Initially, my health insurance only paid {$560.00} towards an overall bill of {$3800.00}. When I called my health insurance, and explained that this was an emergency situation and that I was admitted to the hospital, my insurance paid XXXX XXXX XXXX an additional {$3300.00}. XXXX XXXX XXXX has contracted with Credence Resource Management to collect the debt of {$3300.00}. They have called my phone and sent bills via the mail many times over the past 2 years. I have told Credence Resource Management every time that this bill has been paid and to stop contacting me. I got yet another bill in the mail today and I'm sick to death of being contacted.
09/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA XXXXX	Web	Older American, Servicemember
The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XX/XX/2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX Response. This collection company was sent XXXX written notices by me. The first written notice was sent by regular mail on XX/XX/2015 and the second notice was sent by certified mail on XX/XX/2015. Both notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37040	Web	Servicemember
This company, Credence, says that I owe them money and that my account is in collections when that its not true. I owed XXXX XXXX XXXX for equipment they CLAIMED they never received. I paid XXXX XXXX XXXX, not this Credence company as I don't owe them anything. I paid XXXX XXXX XXXX XXXX. Yet this company placed this on my report as a collection and in turn XXXX dropped my scored by XXXX points. I contacted XXXX and they removed it. Yet XXXX has not responded. I showed them proof. I contacted Credence and gave them the proof, although I dont know why I had to do that when it is an XXXX XXXX XXXX account. So they should be in this complaint as well. Yet, Credence still sent this to the credit bureaus AFTER the fact. This is causing undue stress.
05/01/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30016	Web	Older American, Servicemember
XX/XX/XXXX I got XXXX credit report in mail. CREDENCE RESOURCE MANAGEMENT was on my credit stating I owed {$1500.00} for XXXX bill back in XXXX I called to ask why didnt I receive any notification of this. They acted as if they could not understand me it sounded like the lady was XXXX. The lady told me they could sue me in court and collect more. I asked if they knew about the CARES ACT and by law they could not put on the account that this account in question was opened XXXX!! It was a 6-8 year old account. And I was affected by the CARESACT. CREDENCE RESOURCE XXXX XXXX XXXX has caused me great stress and I am a XXXX veteran and take medication for XXXX XXXX XXXX. This has also caused my credit to go down 52 points!! They are breaking the law
01/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 789XX	Web
On XX/XX/XXXX I logged in to check my credit reports on XXXX XXXX and found that on my XXXX report there is a collection item that says was opened XX/XX/XXXX in the amount of {$140.00} dollars that I do not owe this company called Credence Resource Management.I have never opened an account with this company and have never received any bills or letters from this company that I've never heard of in XXXX, Michigan. I do not owe these people anything and I am requesting that this company removes this negative item from my any credit bureaus that they have reported to. My score has dropped 66 points because of this item that this company says I owe them! I have never had any business dealings with them and request that this is removed immediately!
12/21/2019	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	TX 76227	Web
Credence Resource Management has continued to call me during the weekend. They have called before before XXXX XXXX. During the weekend and weekdays. I have been verbally abused by the people who work there. I have repeatedly told them I am willing to set up and payment plan but I am waiting for an itemized bill from them. Which I asked for 2 weeks ago and it has never come. Someone from this company also told me I have till the XXXX of this month to pay it off in full because this person said that the they were able to take 60 % off my original bill. I told her that I was still in the hospital and that it will have to wait till after the XXXX. Which she then said that if I pay it after the XXXX that 60 % off my bill won't be on there anymore.
08/02/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 162XX	Web	Servicemember
* Charged for services that were not being used by XXXX XXXX XXXX Attempted to contact XXXX to cancel an account which ( " They could not find '' ) in Early XXXX, XXXX XXXX claims they cant find the account The account was no longer in use after XX/XX/XXXX A payment was made on the XX/XX/XXXX that paid up-to-date the account prior to starting XXXX XXXX service The Account was closed in XX/XX/XXXX XXXX refuse to recognize service members XXXX XXXX service to credit account ( ADOS starts XX/XX/XXXX and ends on XX/XX/XXXX ) XXXX Failed to properly handle the account, refused to recognize previous attempts to close the account and sent for collection an amount of roughly {$280.00}, to include late fees, continued billing through XX/XX/XXXX XXXX
09/26/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21230	Web
This company, " Credence Resource Management '' has continued to call and demand I provide personal information, like my social security number and address, and when I refuse, they indicate I have to or they will take legal action. I do n't know who they are or what they are calling about. I have repeatedly asked to be removed from their call list and I keep getting calls. When I was recently on vacation, they called my phone so many times, that it defeated by " Do Not Disturb '' feature as my phone thought it must be an emergency. They will not identify themselves, what they are calling about or what company they are calling on behalf of. When I finally blocked the number on my cell phone, they just started calling from a new number.
11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75013	Web
CREDENCE RM has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
03/14/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	UT 84062	Web
I had a derogatory remark show up on my credit report by a company called Credence Resource Management https : //credencerm.com/ They claimed they are a collection agency collecting a debt I owed to XXXX XXXX XXXX However I have never had an account with XXXX XXXX XXXX and in fact my credit report does not show an account with XXXX XXXX XXXX XXXX If you look at this companies XXXX reviews all of them are the same thing and this company is fraudulent and is just trying to get money from people. I am not sure how they can report something on my credit report but I am currently working to get it removed. I just hope that this company can be put out of business or at least no longer be allowed to put fraudulent info on credit reports.
06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30046	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60504	Web
Reported by : Credence resource Management Creditor contact : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Account Type : Collection Agency Balance Amount : {$480.00} Date : XX/XX/2021 This agency Credence Resource management is in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I demand that this account be deleted immediately and I request a free copy of my report after the changes have been made ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C 1692g
02/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32773	Web
I received a debt collection from this company. On my credit report it shows the original creditor as XXXX. I never received a final bill from XXXX and traded my phones in so Im not sure what the amount owed is for. I attempted to contact the debt collector by mail with an offer letter to pay to delete, I dont want this on my credit because I plan to purchase a house soon this year. I sent the letter certified on XX/XX/2021 the letter was received and signed for but I never received any response back, its been over 30 days and still no response from the debt collector. I called XXXX the original creditor to get more information but the representative did not have any information to provide, was told to reach out to the debt collector.
08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37917	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19134	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NV 891XX	Web
Hello, I am writing this letter in regards to a bill that I received in the mail from Credence Resource Management in the amount of {$990.00} that was already paid by my insurance in XXXX and I do not owe this debt. Please do not contact me again and try to collect on debt that I do not owe. Call documented : XX/XX/XXXX at XXXX : XXXX Spoke with XXXX and provided insurance info. She disclosed that it may take 30-45 days to update the invoice and receive updated bill, and my insurance XXXX XXXX XXXX XXXX will cover the bill. Confirmed on XX/XX/XXXX with XXXX XXXX XXXX XXXX that this claim was resolved and paid in the amount of $ XXXXClaim # is XXXX Account # : XXXX Status of account : PAID IN XX/XX/XXXX Thank you, XXXX XXXX XX/XX/XXXX
08/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48203	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11701	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27616	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23831	Web
This debt was with a different company. I put a complaint through the cfpb before and it disappeared off my credit and now it is back as a collection with credence resource management. It says its from XXXX which i have not used since 15 years ago. The account says active 2 months but this was originally saying XXXX of 2021. I called the company explained this was fraud. They would even call me and ask if I lived in Texas because that is where it occured. I gave them address I live in Virginia. I thought this was removed from my last complaint that I did through XXXX because it disappeared off my credit and now I show it now with a different account and as a collection. I never did any business with XXXX in the last 15 years.
06/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30038	Web
In XX/XX/XXXX I discontinued my XXXX XXXX XXXX service by phone and paid the final bill. Received mail notification of amount due on XX/XX/XXXX of {$150.00}. See attached bill. I called and spoke to several people including the manager about the added 'cancellation amount of XXXX ( early termination ). I was not under contract. The contract expired XX/XX/XXXX. I've returned all equipment ( no dispute ). I do not owe them this amount because I was not under contract. XXXX XXXX has now employed a debt collection agency 'Credence Resource Management ' XXXX who has began calling me. I explained the same statement above to them. XXXX XXXX is fraudulent to impose this early termination fee. I was a good customer for more than 2.5 years.
06/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91304	Web
XXXX fraudulent accounts opened at some point then abandoned XX/XX/XXXX/XX/XX/XXXX by person committing identity theft. Accounts were not discovered until 2016 when looking at credit report. No collection attempts were ever made to me through mail or by phone. When contacted company I was forwarded to various collection companies who all said they did not hold the debt anymore. Company representatives were extremely hostile and demanded I pay, while refusing to furnish any information regarding the accounts. Filed identity theft complaint with company to discharge the debt and was denied. Filed complaint with various credit reporting agencies. Some agencies deleted the debt but then it would reappear under another collection company.
09/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92108	Web	Servicemember
Calls daily, seven days a week, from one of two XXXX, VA phone numbers. Calls twice or more, daily, and hangs up. I call back and get connected almost immediately to a call center where they try to force me to pay someone elses debt from creditors with whove Ive never had accounts. They call me multiple times a day, hang up, and then when I call back one of two people answers and they always give me a different random name for who they were trying to contact at my phone number. Theyve tried to get me to pay bills with cable and phone companies that only operate in places where Ive never lived. I receive these nuisance phone calls from these thieves every single day, despite having blocked their number every time that theyve called.
05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07060	Web	Servicemember
I am utterly confused about this derogatory account on my credit report. I made sure my bill was paid in full before I moved out of my apartment in Texas in XX/XX/2022. This is an unjust doing. Due to the inaccurate information on my report I am asking for you guys to remove this account from my report. XXXX states the account was opened XX/XX/2022 and XXXX states it was XX/XX/2022. Also, XXXX shows no record of this account. Due to the Fair Credit Reporting Act which involves inaccurate information to be challenged I am doing so. It's my right. Also the records show conflicting information between the 3 credit bureaus. I am a military veteran trying to better life for me and family and this derogatory account is holding me back.
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77450	Web
See Attached, ( if there is an Error on my download, Attachment ) These are the companies that I have no transactions with and have no binding contract with and are fraudulently reporting on my Social Security Number, ( SSN # ) without my written permission or instructions to do so. The Identified Transactions are Not information related to Any transaction by me as the consumer. They are violating my rights as the consumer and I request them to remove these false claims from my consumer report profile, and Cease and Desist Immediately. -Credence Resource Mana, ( Management ) LLC, XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Operation ) XX/XX/XXXX XXXX XXXX XXXX, ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Report Number : XXXX
08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 18042	Web
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. Regarding alleged account # XXXX, 15 U.S.C. , 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
07/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11214	Web
Credence Resource Management LLC purchased an expired debt that I was no longer liable for. This debt had been removed from all of my credit reports it was expired and time barred. They did not contact me before placing negative info on my credit report to give me a chance to verify this debt. They re-aged the debt claiming it was a new account and the last payment was in XXXX 2016. Federal Law prohibits cell phone companies to sue after 2 years, they sent the info to XXXX and it caused my credit score to drop XXXX points. I have since disputed and XXXX gave me a favorable decision and deleted the negative information. This practice of parking and re-aging a debt is illegal, especially with out first trying to contact me.
10/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33703	Web	Servicemember
My identity was compromised last year and an XXXX XXXX XXXX phone was purchased under my name and SS # on XX/XX/XXXX, by someone in XXXX, Texas. I was not aware until Credence Resource Management ( debt collector ) called. I submitted the police report, completed the fraud package and was told the issue was resolved. In XX/XX/XXXX I was notified by XXXX XXXX ( XXXX XXXX XXXX XXXX ) that my credit was hit with debt collection report by Credence. I called Credence several times with no response to my inquiry. It appears that they opened a new case and are requesting payment for the {$970.00} debt from XXXX XXXX XXXX for the fraudulent purchase. Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ref # XXXX
05/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91214	Web	Servicemember
I received a notification on XX/XX/2020 from XXXX Credit Bureau in regard to a derogatory account being added to my credit file. This account states that I owe XXXX XXXX XXXX XXXX an amount of {$310.00}. I have not had any business with XXXX XXXX XXXX XXXX for almost 6 years now and I believe this is an attempt for XXXX XXXX XXXX XXXX to re-age for a second time, an account that they claim that I had owed them but when I filed a complaint some time back with your agency for this re-aging, they had sent an e-mail apologizing the action and removed the derogatory account from my credit file. The debt collection agency handling this is called Credence Resource Management. See attached screenshot for more information. Thank you.
03/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21093	Web
Account # XXXX was opened with my SS # and my name with the company XXXX XXXX XXXX The address in this account, XXXX XXXX XXXX XXXX XXXX, TX XXXX. This address s n't my address and has never been linked with my credit, financial, or personal identity information, and it's completely different from my current address. The account was opened on XX/XX/XXXX and closed on XXXX XXXX, XXXX with an unpaid balance of XXXX USD. This account was reported to all 3 of my credit bureaus. on XX/XX/XXXX. I don't recognize any of these accounts or charges. I want to report this as fraudulent charges incurred by somebody who stole my personal information. I would like the collections agency to remove this account from my credit report.
02/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94589	Web
Credence Resource management has not provided me with any validation to verify how or when this alleged debt was acquired, I have sent them a written notice by USPS-certified mail and a follow-up letter as well. They have not done anything to resolve this matter. Based on consumer laws I've researched I now KNOW I have a right to privacy. This company has acquired my personal information without my consent and put a debt on me. To my knowledge, I have no contract with this company or the original creditor, so I am confused as to why they are damaging my credit. I am aware of my rights as a consumer and this company is in serious violation. The account is as follows on my credit report. Credence Resource management XXXX
03/11/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 531XX	Web
This phone # being called is not owned by the person the collection company is trying to reach. I have no information about this person, or know anything about this debt, and the issue is I have tried just blocking numbers from the company, but 'Credence ' continues to call, most of the times not completing the call or even saying who they are trying to reach. Once, though a name they were looking for was provided ( don't recall it ). Numbers attributed to Credence that are shown in the caller ID are ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. ( Central time ) dates of phone calls are ; XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX, XX/XX/22 XXXX etc.
05/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	RI 02907	Web
I RECEIVED AN EMAIL IN XXXX FROM XXXX XXXX XXXX XXXX ME TO CHANGE MY PASSWORD. I THOUGHT IT WAS STRANGE BECAUSE I WAS A XXXX CUSTOMER SINCE XXXX . I CALLED XXXX XXXX XXXX TO INQUIRE ABOUT THE EMAIL AND THEY STATED THAT IT WAS FROM MY ACCOUNT. I TOLD THE XXXX I DID NOT HAVE AN ACCOUNT WITH HER COMPANY AND WANTED THIS INVESTIGATED. SHE STATED THAT THE ACCOUNT WAS OPENED IN XXXX . I ASKED WHO WAS PAYING THE BILL ALL THESE YEARS AND SHE STATED SHE COULD NOT GIVE ME THAT KIND OF INFO. I REFUSE TO PAY FOR A CELL PHONE BILL THAT DOES NOT BELONG TO ME. XXXX XXXX XXXX SOLD THE COLLECTION TO CREDENCE RESOURCE MANAGEMENT WHO IN TURN HAD THE NERVE TO PUT THIS BOGUS ACCOUNT ON TO MY CREDIT REPORTS.
05/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Web
This company CREDENCE RESOURCE MANAGEMENT which I hold NO CONTRACT has attempted to collect a debt I DO NOT OWE! They have put this collection against my SSN in the amount of {$1500.00} I have asked for verification of this debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! I AM REQUESTING THAT THIS ACCOUNT BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX IMMEDIATELY! IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 230XX	Web
XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the 4 Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance you must meet compliance standards. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, I NEVER WAS EXPLAINED IN EASY TO UNDERSTAND TERMS ON MY RIGHTS AND THE PROPER DISCLOSURES. If a debt is sold to a 3rd party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44118	Web	Older American
XXXX XXXX XXXX placed an account opened XX/XX/21 through identity theft with Credence RM for collection. XXXX reduced my credit score from XXXX to XXXX as a result of the collection action. XXXX & XXXX identified the fraudulent activity and rescinded the collection and closed the account. My credit rating was lowered from XXXX to XXXX and I was denied an auto loan by U.S. Postal Service XXXX XXXX XXXX. XXXX & XXXX failed to exercise ordinary care and protection of my personal information when allowing the fraudulent activity to degrade my credit. The increased interest to obtain an auto loan from the XXXX XXXX XXXX XXXX XXXX will cost me {$2800.00}. XXXX & XXXX should be held liable for the added cost to obtain a loan.
03/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 398XX	Web
This past XXXX my husband called XXXX XXXX to inquire how much longer we had to be with them before we canceled and be penalized? I was standing in the room listening as their representative stated that we could cancel then without any penalty. He stated to package everything up and send. We did as he stated. Time has passed and now its XXXX and I receive a letter from Credence Resource Management that XXXX XXXX XXXX that I owe a huge amount ( {$230.00} ) and its delinquent. I disagree Totally!!!! I am striving every day to make my credit better and once again I hit a pitfall. We would have never canceled if he had not told us no penalty would be applied and why wait 4 months without receiving any billing statements?
12/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MA 011XX	Web
On XX/XX/2020 I received a phone call from Credence Resource Management LLC, claiming I have a debt of {$3200.00} with them. I called my insurance company since it was from an ambulance service on XX/XX/2020. My insurance company said that it was grounds for an investigation because I had coverage from XXXX XXXX XXXX and XXXX for that date in question. This company, Credence Resource Management was very incisive and offering immediate plans to pay by credit card the supposed debt. I'm very surprised I didn't get any notifications from the ambulance company or my medical insurance. Today, I received a letter with the same information given above. I would like to know my right to appeal or how can I resolve this matter.
03/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30312	Web
XXXX, XXXX XXXX XXXX had irregular and fraudulent billing on my account during the beginning of pandemic in XXXX, 2020. I was sent the incorrect cell phone, returned the phone with the packaging they provided and they then charged me for a damaged phone. The dispute went through arbitration and received a settlement from XXXX XXXX for the amount they incorrectly billed me. My apartment community, XXXX XXXX is responsible for tenants cable payments via rent charges. I do have the settlement letter and do not know why I was reported to collections for {$1100.00}. I have contacted both collection agency and XXXX and neither has been able to produce any bills for the amount reported to collections. Thank you, XXXX XXXX
10/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37876	Web
We sent back XXXX XXXX XXXX equipment on XXXX XXXX and XXXX XXXX XXXX received the equipment a day later on XXXX XXXX. Debt collector started calling me on XX/XX/XXXX a few times a day. Finally I answered the phone on XX/XX/XXXX. Told them that I do n't owe anything, I sent the equipment back to XXXX XXXX XXXX and they should contact XXXX XXXX XXXX. Told them to stop harassing me. Instead of contacting XXXX XXXX XXXX they kept harassing me by calling a few times a day. On XX/XX/XXXX I answered the phone and told them the same thing again. Then I got a letter from the debt collector to pay or dispute. Which I 'm disputing it. I called XXXX XXXX XXXX again just to make sure that I did n't owe anything, which I do n't.
09/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85304	Web
I received a Credit Alert from XXXX XXXX XXXX that I had a Derogatory account on my XXXX file. When I logged into XXXX 's website I saw an account in collections that was not mine. When I called XXXX I explained that the XXXX account listed was not one I authorized to be opened and had never used. They opened a dispute on my behalf. They told me to call the collections company to notify them. I did so. They showed the account was opened by someone in XXXX XXXX, LA. I advised that I do not know anyone there, have not resided there nor authorized anyone there to open an account with my credit information. The collection group supplied an XXXX account # of XXXX. XXXX also advised that I report this on the FTC website.
10/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33033	Web	Servicemember
in XXXX XXXX, i transferred my account from XXXX XXXX into XXXX XXXX XXXX which # were XXXX and XXXX- XXXX- XXXX. i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for the # XXXX, and i brought with me an XXXX XXXX XXXX that i purchased from XXXX XXXX. at the XXXX XXXX XXXX store, i was told that the phone # ends XXXX can not transferred because XXXX XXXX did not release the # therefore, they gave a different # to replace the XXXX which is XXXX- XXXX-XXXX, and also told that the phone # XXXX XXXX XXXX is no longer in service. when i contacted XXXX XXXX XXXX regarding the bill that the sent me, the representative told me that the # is not in used, but i still need to make the payment because the line is open {$81.00}
11/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07307	Web	Servicemember
I received numerous calls from XXXX ( XXXX XXXX XXXX. I decided to call them back because it was frequent. Normally, robocalls are not repeated from the same numbers. - said they are from Credence Resource Management - he asked for my name - kept asking me to repeat myself. Couldnt hear me - Asked for my address and then my prior address - asked for my last 4 - told me it was an attempt to collect debt in XXXX. I told him I never had them. He told me it could be mistaken identity. - he wanted to ask more questions and I got suspicious - I asked him if the call was being recorded. He said yes. I told him he never mentioned that from the start. - I told him I think they are a fraudulent organization and hung up
05/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 235XX	Web
In XX/XX/XXXX I received alerts on my credit a company had added collection account to my report. I never received a dunning letter for me to validate the debt or answer to the debt. I immediately sent a letter requesting proof of ownership of the debt, and proof I owed the debt as I do not owe any money to either companies. The company sent me a letter dated XX/XX/XXXX staying they would cease collecting on this account until they can prove validity. Then three days later they send out another letter stating its valid. They never sent me any information, contracts or proof I owe the debt. I have sent out a additional letter asking them to please remove this debt. I do not owe it. Nor did they validate the debt.
04/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27587	Web
A number called my phone several times and finally after no Voicemails I called it back. After a long pause a call center type person came on said Credence Resource Management ( was calling from XXXX ) in a foreign voice. I stated I had no idea who they were and I felt they had a wrong number. They then asked if I was xxx ( who is my daughter ). My daughter is XXXX with no bad debt - only student loan and one credit card so I said why are you trying to reach my daughter and how did you get my number? He said its a personal matter. I said well this is my daughter you are referencing and I want to know how you got my number. He said I will take you off list and hung up on me. No idea why they were calling at all.
08/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06114	Web
Approximately one year ago I received a demand letter for payment of a debt I did not owe. It was for XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX nor used their equipment. I met with a rep at the XXXX & XXXX location in XXXX CT and they were not able to locate an information for me. The matter was dropped. However, I recently received another demand letter from a different debt collector for the same debt and I have responded with a letter requesting all information regarding this matter, such as a signed contract. The following is a brief : From : Credence Resource Management XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX Account No. : XXXX Credence Reference ID : XXXX Balance : {$1300.00}
04/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78216	Web
Contacted Credence EBB and they stated that they would accept {$510.00} to settle on my account and I agreed. Then I requested they send me a bill via e-mail and gave them my e-mail address. I was then told they couldn't send me a bill for the {$510.00} and if I wanted to settle on the discounted amount I would have to pay then and there or just pay the {$740.00}. I then mentioned to Credence EBB that if they couldn ' t send me a bill requesting payment that I would not pay. So, as of this point and especially now with the Covid-19 going on. I will not be paying this collection agency who apparently doesn't like to do business the right way. Thank you, XXXX XXXX Creditor Acct No : XXXX XXXX Credit Ref : XXXX
06/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 081XX	Web
I have recently ( In XX/XX/2022 ) learned that an account ( XXXX XXXX XXXX phone ) was opened in my name. That phone bill was ran up to {$1600.00}. That account was later sold to CREDENCE RESOURCE MANAGEMENT ... ... .I have sent letters of denial and recently filed an Identity theft report with the FTC XXXX attached ) as well as sending CREDENCE RESOURCE MANAGEMENT the same. I have recently received notification from CREDENCE RESOURCE MANAGEMENT that they have investigated my previous denial letters and requests and have reached the conclusion that this account was validated and verified to be mine without actually providing ANY of the requested documents that are needed to complete their " INVESTIGATION ''.
03/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IA 515XX	Web
XXXX reinserted a debt on my credit profile that was deleted they also did not notify me within 5 business days in writing. That is punishable by a {$1000.00} violation per the fair credit reporting act section 623. They also have kept a negative nasty address on my report in which I've provided proof numerous times that the address of XXXX XXXX XXXX on my account in which I've never lived here at all. This also is a violation punishable by {$1000.00} per fair credit reporting act section 623. I have sent several disputes to XXXX since XX/XX/2020 to remove the address and yet here we are nearly 5 months later and i still haven't gotten this address i have never lived at off of my report. This is ridiculous.
10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30075	Web
On XX/XX/XXXX someone claiming to work for Credence Resource Management contacted me claiming that I owed debt to XXXX XXXX XXXX for two mobile phone lines opened in XXXX of XXXX. I did not open any XXXX XXXX XXXX accounts in XXXX, and haven't been an XXXX XXXX XXXX customer of any kind in at least 10 years. I contacted XXXX XXXX XXXX directly to verify this call because I suspected that it was a scam. CRM did not provide any XXXX XXXX XXXX account number, but they did provide two phone numbers. I provided both phone numbers to the XXXX XXXX XXXX rep and she indicated that both phone numbers belonged to a business account, not a personal account, so that the call could not be legitimate, and must be a scam.
02/02/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30067	Web	Servicemember
In XXXX of 2020, after contacting XX/XX/XXXX andXX/XX/XXXX from XX/XX/2020 through XX/XX/2020 ; I Contacted the collection agency to verify the debt and balance, date open etc. are accurate. The company first they investigated my dispute with the original creditor ( In which I will provide proof of all correspondence. This company is still reporting a balance when the account was said to be charged off and reporting negatively on my credit report XXXXXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX. i would like to have matter investigated and removed from my credit report. the company also informed me that they had sent the debt back the original creditor but yet they are still reporting on my credit report.
11/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web
The debt was reported through credit bureaus as not belonging to me. Credit bureaus did an investigation, and the debt was validated that it was definitely not my debt. The company is now reaching out to me to fill out a fraud packet with through their company. They are not the original company with the debt. I have already completed a fraud alert through my own credit monitoring company. They are sending a fraud packet to address the identity theft claim regarding the account that has already been addressed. This is not my account. Why are they harassing and accusing me again. This is not fair. What the purpose of going through the credit bureau if I am going to have to keep revisiting this over and over.
04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 331XX	Web
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Credence Resource Management via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Credence has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.
02/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 163XX	Web
On XX/XX/23 I contacted Credence Resource Management , LLC in response to a letter received in the mail, letting them know that I dispute the debt and requesting them to provide documentation proving that the debt was mine prior to taking any further collection actions. On XX/XX/23 I received a response from Credence Resource Management , LLC confirming that they received the dispute. On XX/XX/23 I was informed via credit monitoring that the account had been reported as delinquent despite Credence Resource Management , LLC failing to provide any of the required proof or documentation of my ownership of the debt, and failing to inform the appropriate credit agencies of the disputed status of the debt.
10/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89141	Web
I had 2 collections on my credit report as of XX/XX/XXXX. I made a payment to both, one being for XXXX XXXX at a resolved payment. the pmt was for around {$550.00} dollars. As of XX/XX/XXXX both collections were removed from my credit profile. Now fast forward to today, XX/XX/XXXX, one year later. I have received a letter from Credence saying I owe {$780.00} from a collection from XXXX. I am so upset because I have been working on my credit for the past year. I had the automatic payments come out last year for XXXX XXXX for my collection. I have a XXXX $ balance. I should not be receiving a letter saying I owe anything. Debt collectors can not lie. They can not tell me I owe something that I do not owe.
05/14/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30035	Web
I agreed to pay the debt for a settlement amount and it was agreed that when I made the payment I would receive two documents : one was a receipt of payment and the other was a loopy of s letter requesting the debt to be removed from my credit report. This was told to me multiple times by manager XXXX XXXX. After I sent in my payment I received my receipt and XXXX told me to give him XXXX business days and he would have the second document. Well XXXX weeks have passed and I havent received anything and they beat around the bush and give me stories on why i cant get it but its easy to validate because the calls are recorded which is my proof of what was said. The day I was told this was XX/XX/2019 2019
09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95835	Web
Hello, my name is XXXX, and I'm writing to ask for your assistance in contacting this company. I attempted to get in touch with them to inquire about the circumstances behind the creation of a new account in my name. It is unfortunate that this issue is now harming my credit record since it is a really severe subject. I feel terrible about it. I do not give anybody permission to use my name, date of birth, or any other information about me since doing so violates both data privacy and the law. They have to determine who really started the account in my name and then provide those details to that individual rather than transferring them to me. Could you perhaps assist me in finding a solution to this?
03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
Company is XXXX XXXX XXXX. allegedly opened XX/XX/2017 ( 8 mos ). they claim I owe {$2500.00}. I have been with XXXX for over 16 years now. I have gladly paid my XXXX bill every month. I am not in need of another phone. They are the 3rd collection company to contact me concerning this alleged debt that is owed. I do not owe this debt. They have not shown any verifiable proof concerning this debt and me. I have contacted the agencies to have this removed and they refused to have it removed. They keep saying it is verified. yet, they refuse to send me ANY information regarding the alleged debt. the credit bureaus are implicit in this act of keeping it on. the bureaus also refuse to help in this matter.
05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48047	Web
I am disputing inacurrate information on my credit report and I submitted 3 disputes to XXXX. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. The accounts I disputed was : Credence Resource Management- XXXX- I don't owe these people XXXX XXXX XXXX- I don't owe these people XXXX XXXX XXXX- Inaccurate payment history
04/27/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CT 060XX	Web
We had XXXX XXXX. We were submitted a final bill. I paid the bill and returned the equipment. We received a confirmation that the equipment was received. Then about a month later we get another bill. I called them and asked what the bill was for. I told them we paid our final bill, so I didn't understand. They gave us no reason other than you owe them an XXXX charge. This also happened to my neighbor and my mother in law. No explanation and same amount charged. This is a scam and then they threaten to report us to the credit agency. This is a consumer scam. People pay it because they are afraid to be reported. Look at my credit. Do I appear to be the type of person who doesn't pay my bills!!!!!!
01/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77019	Web
There is a collection account on my credit reports for Credence Resource Management with an original creditor of XXXX XXXX XXXX. This account was bought from XXXX XXXX which previously was on my credit reports but was deleted because they were unable to verify and validate this debt. This debt is not mine and doesn't belong to me and being that XXXX XXXX could not verify and validate this debt I am 100 % positive neither can Credence Resource Management. I was also never notified of this account being sold to Credence Resource Management which is illegal to not notify of someone of a debt before reporting to the consumer reporting agencies. This account should be deleted from my credit reports.
02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 313XX	Web	Servicemember
Credence collections is attempting to collect on a debt that isnt owed for XXXX. Basically, a XXXX contract was cancelled early due to a military move protected under SCRA law. XXXX mistakenly charged a early termination fee but when I called them, they corrected the error and agreed that there was {$0.00} due on the account. Somehow, credence now owns the erroneous debt and keeps sending letters and has put a delinquency on my credit report that is false. I have disputed it multiple times but they keep saying they have validated the debt. I called XXXX again and they said that there is no debt and to contact credence. Im getting the run around and its hurting my credit score over a false debt.
09/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 752XX	Web	Servicemember
Received numerous calls from Credence. Once I finally called them back I was told I was delinquent in a medical bill dating back to XXXX of XXXX from a doctor during an ER visit for my daughter. The doctors organization did not bill insurance ( that was provided ) and sent the bills to an address that has not been valid in over 10 years. This was all despite the hospital billing correctly and all correct information being provided. Debt collector refused to provide a debt collection letter and refused all payment except over the phone. Debt collector also refused to allow me to discuss with the physician services company that sold them the debt and demanded full payment to the debt collector.
10/18/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33076	Web
Throughout XXXX and XXXX two individuals with a strong hindu accent called my mobile number asking for personal information for collection purposes on behalf of Credence Resource Management , LLC. Since they refused to give any information about the debt, on XXXX I ", I LAWFULLY REQUESTED THE DEBT VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY ''. They finally were forced to send me information and when checked with the XXXX XXXX, XXXX XXXX XXXX, said this was an old invoice for a my wife that was fully paid, and therefore did not know why they were contacting me.
03/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web	Older American
Credence Resource Management LLC is attempting to collect a debt not owed. Please see attached docements. Futhermore, Credence Resource Management LLC has called me repeatedly causing XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX. After I explained that this wasn't my account and I have proof that no balance existed the calls continued. I have documented calls and messages on : XX/XX/2021 @ XXXX, XX/XX/2021 @ XXXX & XXXX, XX/XX/2021 @ XXXX, XXXX, XXXX, XX/XX/2021 @ XXXX, XX/XX/2021 @ XXXX which is a violation of the XXXX XXXX XXXX XXXX as my phone number is listed on the do not call registry. I have XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and the continual calling is a huge XXXX for me.
09/05/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 334XX	Web
I don't have any debts or credit cards because I don't even have a credit score. Credence Resource Management has continually called our number, even after I blocked it, but they still manage to let me know they called because my phone has to use a 3rd party call blocker. I am taking care of an elderly patient with XXXX XXXX, I have no credit of any kind, nor have I ever had a loan. I'm too young to have any as I haven't even been able to seek employment due to being the XXXX XXXX. My number is super private and only used for emergencies. Yet this company continues to call me around XXXX every day while I am taking care of my family member, making my stress much higher than it should be.
05/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85259	Web
I have been trying to get a verification of debt from Credence Resource Management for months. I initially reached out when I saw a collection on my credit report and requested a statement from the original creditor along with any information that tied my name to the account. I have never had an account with the original creditor, so I am not sure how they are legally able to collect a debt that was never under my name. They are collecting for something they don't have any proof of. I have never had a XXXX XXXX account in my life. Somehow I have a collection from them. Credence Resource Management seems like a scam. They are trying to pin debts on people 's credit that dont belong to them.
04/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77494	Web
Today I spoke with the COMPANY CREDENCE RESOURCE MANAGEMENT REPRESENTATIVE XXXX XXXX they informed me that I had an XXXX XXXX in the amount of {$190.00}. and it has been placed on my consumer report dated XX/XX/2023 this company has stolen my identification, they have placed the fraudelent account on my consumer report without notifying me by phone or written communication per 15 usc 1692 c ( b ) they are supposed to have communicated with me before placing anything in collections on my consumer report. They also informed me that they are debt collector agency which is also a violation of 15 usc 1692. They have not only violated consumer law they also have committed identity theft as well.
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	DE 199XX	Web
XXXX XXXX XXXX keeps using my XXXX Credit report to try to use new collection agencies ( Credence Resource Mana @ XXXX XXXX XXXX XXXX XXXX XXXX, Texas to now try to say that I owe {$610.00} to XXXX XXXX XXXX. Number 1, XXXX & XXXX was removed Before with BOGUS collection agencies to try to scam both my husband and Myself and they were Unsuccessful. XXXX XXXX XXXX caused my credit score to drop XXXX points this time ( I have a string feeling it's for the Auto insurance industry to try to get my Premium up which it's not happening, they never like it when you keep doing great!!! ) So, I want you to Have Credence Resource Mana to Remove this Bogus Account immediately from my Credit Report!!!
05/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NM 875XX	Web	Servicemember
Credence sent a letter to my billing address with a detailed bill explaining what I owed XXXX. I promptly paid, and proof of payment as well as posting of that payment are attached. Credence continues to harass me with phone calls at all hours of the day and night coming from different unlisted phone numbers. Its worth noting that XXXX sold this account to Credence after being reported to CFPB repeatedly for violating the Fair Credit Reporting Act in their previous collection attempt, in which they never provided a detailed bill or sent any notice whatsoever to my billing address. Since this account has been paid in full, I am asking that XXXX CEASE and DESIST all collection attempts.
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33034	Web
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
03/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 73533	Web	Servicemember
In XX/XX/XXXX this account was closed, items returned, and had a XXXX balance. Consumer is now trying to collect money that I do not owe them. It has been 4 years since I have had any contact from them. I feel this is fraudulent in the amount and should be dismissed. I never went back to this consumer, and since it has been 4 years, and they are trying to collect an amount that is not true, I feel it is fraudulent and the collection company is committing fraud. I have never had any contact from them until XX/XX/XXXX. I pay my bills and am responsible for proven bills. There has been no proof of my owing this, other than what they put on my credit report, and it is erroneous. Thank you.
07/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 952XX	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are attempting to collect money for me for services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not live in these states nor do I know anyone who does. Services were for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. They have filed a derogatory on my Credit Report. Before this attempted collection my credit rating was over XXXX. I live in the state of XXXX and have lived here all of my life. I can not live in XXXX places at once. Also, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I work out of XXXX XXXX. I have had 3-4 background checks done. All show my addresses are in XXXX
05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43615	Web
Credence Resource Management LLC reported an account from XXXX XXXX that was closed in XX/XX/XXXX as an open delinquent account since XX/XX/XXXX every single month on the earliest date Possible. They know it is incorrect and continue to harass me and report inaccurate unverifiable information. I told them they are reporting a inaccurate address and the still have continued to do it. These reports has caused an adverse effect to my life during the pandemic and I have a right to sue for damages and harassment. They have threatened to find ways to harass me and have threatened me but people need to know the lengths these type of people the fcra rights were made for. Account balance XXXX
11/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web
XX/XX/2021 On this date, I noticed a collection on my XXXX XXXX account from a debt collector company Credence Resource Management, originated from XXXX XXXX XXXX in the amount of {$1000.00} XX/XX/2021 On this date on my credit karma account, i also noticed a collection from XXXX XXXX XXXX originated from XXXX XXXX XXXX in the amount of {$450.00} I called the debt collection company and they mailed an identity fraud package, which i am currently working on, i will be going to get an Identity Fraud Report from my local law enforcement agency on Monday I never used XXXX XXXX XXXX services, never received any calls or emails from them, i never lived in the address the account was opened.
09/17/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA XXXXX	Web
I received a letter today XX/XX/2019, about a debt I do not owe. The letter is dated XX/XX/2019 and I have the Post Office imaging service that provides a picture of the mail on a daily bases. As you can see in the attached image, the letter was received on XX/XX/2019, 10 days from when the letter is dated. The same day i received the letter, I started to receive phone calls to my cell phone from Credence Resource Management, I provided a picture of my call log on my cell phone. Both are violations of the Fair Credit Reporting Act. I have 30 days to dispute the debt prior to any harrassing calls and Credence is calling my cell phone. I'm on the do not call registry for over 10 years.
08/07/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PR 00953	Web
Been receiving calls for about 2 weeks from someone from XXXX XXXX XXXX. On the first call I told them that I have no debt with XXXX XXXX XXXX and that I never received collection letters from them. The person was insistent asking for a payment method while I was talking. He started to ask so fast that a I couldn't understand him, so I asked for someone who's speaks XXXX, but the person didn't let me talk. He only asked for the payment method and insisted that I had to pay the debt. I told him that a owe no money to XXXX XXXX XXXX and requested evidence of the debt. I received calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. Sometimes up to 3 calls a dya.
04/06/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 289XX	Web	Servicemember
On XX/XX/XXXX at XXXX XXXX I finally took a call from an unknown number who has repeatedly called my phone and would never leave a voicemail when my phone was unattended. When I answered, they told me that they were XXXX XXXX XXXX who has NO CONTRACT the debt apparently was sold to them from another collection agency who held the debt previously and they informed me they wanted me to pay the debt. I asked them to send me an invoice. They said they must first have my email address. I refused. They kept insisting then they put a supervisor on who sounded like the same man. And told me if I did not provide an email address they would provide me a mailed copy of an invoice. So I hung up.
07/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33309	Web
ON XX/XX/19 I sent a letter to Credence Resource Management by certified mail # XXXX XXXX XXXX XXXX XXXX, see attached copy with proof of delivery, requesting they provide me with COMPETENT EVIDENCE BEARING MY SIGNATURE, showing that I have or ever had some contractgual obligation to pay them. They sent a reply letter stating that I sent them a " request to verify '' which I did not, I requested specifically they provide me with something bearing my signature. I am so sick of these collection agencies disobeaying the law, who is monitoring them? How can I actually get law enforcement to force them to comply with the law? I have enclosed copies of letters proving my statements above.
09/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 95678	Web	Servicemember
XXXX XXXX XXXX sent bills for an ambulance ride without any detail or explanation. By the time I got the requested detail, they had already turned the charge over to Credence Resource Management for collection. I disagree with the amount of the charges but am trying to settle the debt. I was working with a Credence representative on the phone and we agreed on a settlement. However, the representative, XXXX XXXX, refused to put our agreement in writing. When I continued to insist that our agreement be in writing, he got very aggressive and continued to refuse. Subsequently, on XXXX XXXX 2017, I sent written correspondence to Credence Resource Management but have received no response.
03/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 43219	Web	Older American
CREDITORS XXXX XXXX XXXX ACCT NUMBER XXXX COLLECTION COMPANY : XXXX : REF ID XXXX XXXX XXXX SAYS I OWE {$390.00} CREDITORS : XXXX XXXX ACCT NUMBER XXXX COLECTION COMPANY XXXX. XXXX XXXX XXXX SAYS I OWE {$230.00} BOTH OF THESE COMPANIES WERE SUPPOSED TO COMBINE OUR TV AND INTERNET SERVICE WHEN WE HAD THEM. THEY CHARGED US INCORRECTLY AND SAID THAT WE STOPPED SERVICE BEFORE THE END OF OUR SERVICE PEIORD. I CONTEND THAT THEY HAVE DESTROYED MY CREDIT RATING BECAUSE OF INCORRECTLY BILLING ME. THE COMPANIES WERE JOINED TOGEATHER AND WE WERE SUPPOSED TO GET ONE BILL. WE DID NOT GET ONE BILL BUT CONTINUED TO GET TWO. THE COMPAINES ALSO CHARGED MY WIFE XXXX XXXX FOR THE SAME SERVICES. :
07/22/2017	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 857XX	Web
Current debt collector is Credence RM. This was submitted to them for collection by XXXX XXXX XXXX. This is probably the 3rd or 4th collector. This has been removed from my credit report multible times yet only to reappear. The original dispute was for a cell phone purchased from XXXX & XXXX They sold me a phone knowing they did not have coverage in the area at the time ... not sure if there is coverage now..do n't think so. I have a written transcript from XXXX XXXX XXXX guaranteeing coverage in that area. When I could n't use phone I cancelled plan and the bill they are trying to collect is for cancellation fee. This is uite ridculous to sell a product knowing you ca n't use it!
02/23/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33311	Web
Complaint Description : None Validation This company continues to reach out to me to collect on a hospital bill that isn't mine. I've asked for VALIDATION of this debt which is a signed agreement or contract with signature and they have failed to do so. I'm asking that the company stops sending me bills and do not report this none VALIDATED debt to the credit bureaus. The 30-45 days are up and the company havent VALIDATED the debt which is a violation of my consumer right. I am and will seek legal assistance if Credence Resources Management continues to harass me without Validating the debt. A bill is not proper Validation theres no legal signatures between myself or the company.
10/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85340	Web
There is. A fraudulent debt for. XXXX in. The amount of XXXX. That. Was fraudulently put on. My. Locked credit profile as a. Collection. This debt was sold. 3-4. Times and removed previously by all. 3 credit bureaus.. I filed a police report online and in person several years. Ago.. This. Fraudulent. Debt was the original cause of my credit file being locked and. I have. To keep having. It removed every few. Years.. Credit Resource. Mana has no right to put any charges on my credit and this fraudulent. Charge. Was. Placed on my credit profile from a. XXXX debt that was removed as. XXXX and by several other entities that XXXX sold the. Fraudulent debt to. Over the years..
04/26/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10512	Web
I have been receiving telephone calls from Credence debt collection agency, calling from XXXX XXXX XXXX ), two ( 2 ) to three ( 3 ) times a day, six ( 6 ) days a week for the last eleven months XXXX XX/XX/XXXX to XXXX 2021 ). They refuse to speak to me on my recorded line, hanging up when I answer and advise them they are speaking on a recorded line. Nor will they leave an explanatory phone message on my answering machine. This is exasperating for the simple reason I HAVE NO OUTSTANDING DEBT. Why is a debt collection firm calling a person who has no debts? Which I would gladly explain to them if they did not continually hang up on me. This is harassment of the worst kind.
06/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29466	Web
Owe XXXX a debt of little over {$700.00} which is currently on my credit report. Received an alert on my credit that a company name Credence opened a new account. Contacted them to dispute it because I had no business dealing with them. They stated they are a third party collection for XXXX. Never received any documentation from them and now they are hitting my credit twice for the same exact thing. I asked them to remove themselves off of my credit being that I do not have any dealings with them and XXXX is already on the report. He stated that he understands and once I pay XXXX both will come off. They need to be removed asap and not able to just hit someone's report twice.
11/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37040	Web
It appears that CREDENCE RESOURCE MANA is trying to collect a debt for XXXX for the amount of {$550.00} this is not my debt and they are still to collect money from me that I do not owe I have repeatedly try to talk to XXXX about this debt and it is repeatedly showing up on my credit report, no one has sent me any notice about this debt yet they will not take it off my credit reports. It appears to return on to my report every so often. This is not my debt I have asked for written validation as to this debt in years past and none was given and it is causing me to not be able to get my credit fixed so I may purchase a home. They are creating a big problem in my financial life.
02/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77396	Web
It is undisputed that I cancelled service with XXXX and XXXX in XX/XX/2021. XXXX was still attempting to charge me for service in XX/XX/2021. I called in XX/XX/2021 and confirmed that all cancellations were on file and they issued credits to my account to resolve the balance that never should have been issued in the first place. But they continued to seek payment for the same thing after all of those credits were issued. Then they referred the matter to Credence for collection. Credence has been slow to respond and has not removed the negative action from my credit report despite their receipt of documentation showing all of the credits and to support that nothing is owed.
11/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39042	Web	Servicemember
Credence Resource Management has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX and XXXX
08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76179	Web
In XXXX my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX opened in my name in the amount of XXXX XXXX was opened in the amount of {$400.00} and also XXXX XXXX XXXX also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.
01/31/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 93726	Web
I have been receiving repeated calls from this company called Credence Resource Management regarding a personal matter which they will not disclose. They only wanted me to confirm my personal information to them, which I believe will and can be used for fraud or identity theft. Since Credence Resource Management called me on a local telephone number, I was under the impression that it was an important call and had to pick up. While picking up several of the calls made by Credence Resource Management on my phone, it had put me at risk of getting into a car accident. Their tactics of using a local number is deceiving and their communication to me is very likely to be a scam.
12/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76179	Web	Servicemember
Made contact with XXXX XXXX XXXX XXXX and advised to cancel services as I was going to another carrier. Representatives continued to say account would be closed however, they continued to keep account open for 2 additional months and subsequently sending a notice of failure to pay for 2 months of service. I was not using the device or their service however, they refused or just did not cancel my service. Finally sent invoice indicating I owe XXXX and failure to pay will result in my account being referred to outside collection agency and it will result in a negative impact on my credit report. Received a letter from collection agency XX/XX/2019 showing a balance of XXXX
10/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92647	Web
I had my credit frozen from XX/XX/2021 until XX/XX/2021. I unfroze my credit so that it could be run because I am in the process of renting a property. On, XX/XX/2021 I realized my scores were low and started to read my credit report. I found that there was a Collection Account originated from XXXX XXXX and going through Credence Resource Management for {$840.00}. It shows the account # XXXX was open on XX/XX/2021. This is complete fraud as I never even heard of XXXX XXXX or Credence Resource Management. I was never contacted and my credit was frozen during that time. I have contacted XXXX and will contact XXXX and also Credence Resource Management to report this fraud.
08/20/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92544	Web
XXXX called to ask about debt. Told them i was dealing with funeral arrangements XXXX called me again, told them do not call me again and told them my father just died and to again not call me XXXX called again, i repeatedly said to not call me. Prove the debt was mine, stop harassing especially after i have requested for no more calls and if i get another call i will file a harassment suit. XXXX called them to file a report of harassment and to do not call list. They argued and would not take my report nor forward me to a supervisor. I told them since its a recorded line that if they call me again they are agreeing to harassment lawauit as guilty. So we shall see.
10/02/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 08723	Web
I AM TRYING TO PAY THIS DEBT. SPOKE TO THE COMPANY NUMEROUS TIMES AND AGREED TO A SET AMOUNT. HOWEVER I TOLD THEM I WAS NOT PAYING UNTIL I RECEIVED WRITTEN CONFIRMATION THAT A ONE TIME PAYMENT THAT WE AGREED UPON WOULD DEEM THIS ACCOUNT PAID IN FULL AS I NEED THIS TO MOVE INTO AN APARTMENT SO TIME IS OF THE ESSENCE. RECEIVED VERBAL COMMUNICATION MULTIPLE TIMES IT WOULD BE SENT AND IT NEVER WAS. I NEED THIS RECTIFIED ASAP. SOON AS WRITTEN CONFIRMATION OF PAYMENT IS RECEIVED I WILL PAY. WE ALSO AGREED UPON A CASHIERS CHECK BEING SENT WITH TRACKING A WRITTEN CONFIRMATION OF PAID DEBT IN FULL 72 HOURS AFTER PAYMENT IS RECEIVED. THEY NEED TO ABIDE BY WHAT THEY COMMITTED TO.
04/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85719	Web
I woke up in a hospital on someday in XXXX . It 's XXXX and I 'm getting repeated phone calls from a collection agency stating that I owe over a {$1000.00} dollars for an ambulance ride. I had active medical coverage at the time. This should have been billed to my insurance because it was active during that time. The ambulance company ma de zero at tempt to notify of my bill. The bill was never mailed to my address , ( wh ich they had on file ), and no email was ever sent ( which they have my email as well ). And no p hone calls were made in an attempt to reach me. Now it is too late for this bill to be ran through my insurance because the claim is too old.
11/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08081	Web
I had a wireless account with XXXX and somehow the billing got screwed up and my service is disconnected. So I know I owe XXXX but I have already paid {$1400.00}. into the account when it was current and not sure how I am owing {$2600.00} sent by a collection agency after a year of service for an XXXX and XXXX. I sent in a written request to validate debt and they put it on my credit anyway with out verifying and they are calling me all day while I am at work. I would like them to remove the debt from my credit report and validate how much I owe. I am attaching the bill from XXXX. I call XXXX and they cant get the billing right. The debt collection agency is Credence
07/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43615	Web
Credence resource claimed they have been trying to contact me at another address and insist I live at the location. They threatened to continue to destroy me during the pandemic about the validity of such debt. The original company XXXX XXXX XXXX ceased contact years ago because I never renewed contract with them it was cancelled and equipment was returned. Credence Resource has harassed and threatened me over the phone when I have called them. They have continued to call and not identify company or leave message. Repeated calls seven minutes apart. This is the second time I have submitted dispute. One was XXXX now XXXX XXXX but my contract was with XXXX XXXX XXXX
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33144	Web
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau are reporting inaccurate information on CREDENCE RESOURCE MANAGEMENT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this collection account from my personal file. CREDENCE RESOURCE MANAGEMENT XXXX Date Opened : XXXX. XXXX, 2021 Balance {$270.00} CREDENCE RESOURCE MANAGEMENT ( XXXX XXXX ) ***** Date Opened : XXXX. XXXX, 2021 XXXX {$270.00}
10/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 161XX	Web
In XXXX of XXXX I stopped making payments to the original creditor ( XXXX ) accumulating a past due amount totaling {$250.00}. This account was sent to collections and acquired by Credence Resource Management. My XXXX consumer report reflects this account, however it lists the date as being XXXX of XXXX and the amount being {$210.00}. I have never made any contact with either the original creditor or the debt buyer, nor made or offered to make a payment, and therefore have reason to believe this account has been illegally " re-aged. '' I filed a dispute with XXXX, whose investigation determined the date ( XX/XX/XXXX ) to be correct, when in fact it should be XXXX.
08/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43214	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91306	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
11/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78573	Web
The Fraudulent item was with XXXX mobile provider services. I never had them as a carrier. I have XXXX XXXX However, I noticed on my credit report the fraud and I addressed the item. The item was with XXXX XXXX XXXX. In which I disputed and the item was removed. Therefore, how is XXXX able to then utilize credence resource mgmt collection and have a removed item placed back on my credit. In compliance with the FCRA that's ILLEGAL!!!!!. The item was removed and should not reappear again. So in high insight in compliance with the FCRA I would truly appreciate this account be deleted from my report to never appear again. XXXX XXXX Acct # XXXX XXXX ref id # XXXX
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MS 38654	Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
09/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32129	Web
A Collection note was included on my Credit Report on behalf of XXXX ( XXXX XXXX XXXX ) for {$540.00}, corresponding to an account open in Illinois State, under my name and Social Number, I dispute this using XXXX and didn't solve it, I walk to a XXXX XXXX XXXX Corporate Location and they found all the information about the Identity Theft and gave to me tools to complaint to XXXX XXXX XXXX Fraud Department, in where I already file a Identity Theft Complaint. I never live in the State of Illinois, I have been living in U.S for 5 years and always in XXXX XXXX, Florida area. I never share my personal Information ( SSN, Bank, Passwords, etc ) with nobody else.
02/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AK 99508	Web
Credence Resource Management LLC called me from XXXX ( XXXX ) XXXX on XX/XX/XXXX and the first time I told them I dont owe money ( {$35.00} ) for my phone bill that I just paid. The second and third times they called me I did not answer. The fourth time they called they immediately hung up so called them right back and told them to stop calling me. Then about a week later I got a letter in the mail from the same company stating I am in debt to XXXX XXXX XXXX. I double checked with XXXX XXXX XXXX and they said my account balance was {$0.00}. The call was from Washington, the address for Credence on the letter is in Texas, and the payment address is in Michigan.
02/15/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TN 37040	Web	Servicemember
The below list a a minor list of all these calls, I have contacted them and even. blocked their number but they circumvent this by attempting toes a XXXX area code masked by their real number. This is blatant harassment and myth next step is to see legal representation. Name Number When Actions CREDENCE XXXX Today, XXXX XXXX CREDENCE XXXX Today, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX. CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX CREDENCE XXXX XXXX, XXXX XXXX
05/15/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VT 051XX	Web
Around the beginning of XX/XX/XXXX I was contacted by Credence Resource Management LLC ( CRM ) in regards to an alleged telephone bill from XXXX XXXX XXXX. I settled my final bill directly with XXXX XXXX XXXX in XXXX of XXXX. CRM provided me with a form to dispute the debt and request proof of the debt. I used their form to mail my dispute to CRM and to request proof of the debt. CRM did not pause collections and did not provide me with proof of the alleged debt. In late XXXX I received another collection letter from CRM. To date, no proof of debt has been received and collections were not paused while they find and provide the required information.
01/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89052	Web
CREDENCE RESOURCE MANAGEMENT ( XXXX ) is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$250.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
02/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11357	Web
http : //credencerm.com/ company has continuously been calling my job regarding a debt that has already been paid. in addition to telling them it has been paid and asking if the account reflects that, i have been told in order to tell me if it has ; that I have to verify my address, and my telephone number ( which I have ) they also are insisting I give them my social security number. even though I have given the account number on the paid bill. numerous calls were made to my job harassing me and telling me that I need to pay. again a confirmation number was given to them and they insist they need my social in order to continue looking at the account.
10/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48219	Web
I informed the agency contacting me regarding said debt that the debt balance was incorrect! I advised them of such in less than 2 weeks they turned around and simply send me a form letter saying the debt is valid without confirming or checking with the creditor at all! I informed them in writing on knowing that they were simply sending me a form letter without checking out my dispute! They then sent me another letter acknowledging my dilute! Five days later they send me the same form letter again saying this was a valid debt! Again violating the FDCPA. This company in question is Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
10/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91306	Web
Ref ID # XXXX XXXX XXXX XXXX sold my original debt of {$4900.00} to Credence Resource Management LLC, after their fees the balance was {$5100.00}. I have contacted CRM, by phone and in writing, asking for them to provide me with updated invoices after making a payments. I also asked to make a payment plan and was advised they do not offer payment plans. I called today to get my balance. They confirmed I made a total of {$510.00} towards my debit but {$4900.00} is still due. I was never advised of an on going interest rate. I once again asked for an invoice and interest amount and the rep ignore my question and kept asking for me to resolve the balance.
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98370	Web
-XXXX XXXX contacted the company advised this was a fraudulent account. -Filled out form disputing charge advising of identity theft. -Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. -Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. -On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. -The company in question is XXXX XXXX XXXX XXXX from NY.
05/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Checked my XXXX credit report and found that Credence Resource Management had flagged my account on XX/XX/19 for collections, saying I owe {$530.00} from XXXX. I have never received any documentation from either company, account was paid when the number was ported out to another company and all devices either paid in full or not purchesd from the company. I also have tried to send a certified validation of debt letter to Credence via the address provided on my credit report as well as XXXX when I search the company name and United States Postal Service informed me that the address does not exist. So now I have no way to formally contact the company.
06/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10033	Web
On XXXX XXXX , 2017 I wrote a dispute letter in regards to an {$890.00} XXXX co llections with Credence Resource Management LLC. The le tter was sent certified read-receipt, and was received on XXXX XXXX according t o USPS. XXXX XXXX XXXX XXXX In the letter, I requested very specific documentation proving that I owe this debt. I do not believe I owe this debt as I made a {$600.00} payment to XXXX around 5 years ago clearing the debt I had with them. I recently called XXXX and they told me they have no information at all about this debt, and to deal with Credence Resource Management direct ly in regards to the issue.
12/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NE 68154	Web
A collection was posted on my credit report that is for an account that is not mine. The collection is for {$95.00} from XXXX XXXX. I have never had an account with XXXX at my current address, the account was my fathers, XXXX XXXX. I contacted the collection agency and they told me that my social security number was associated with the account, but that is not possible. The account is even under my fathers name. I want to have the negative information removed from my credit report Immediately. I am buying a home in the very near future and if this information negatively effects my ability to purchase a home, I will be seeking Financial restitution.
08/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77478	Web
I have made 2 attempts via certified mail ( XX/XX/XXXX & XX/XX/XXXX ) to request validation of a debt being reported on my credit report by Credence Resource management listing the original creditor as XXXX XXXX XXXX in the amount of {$340.00}. Credence has failed to respond to my request for validation. Furthermore I have never received any communication regarding this debt nor how to dispute. I have disputed with all 3 credit bureaus and each is reporting different information from account closed due to no response from collection agency. I am requesting all records of Credence Resource Management on all credit bureaus be removed immediately.
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19067	Web
I have a Collection for an account on my Credit Report that I did not initiate or own. This is totally false and appears to be a fraud or a scam. I do not have any debt from XXXX XXXX XXXX nor have I ever been made aware of such debt until it appeared on my Credit Report. Credence Resource Management Co. is claiming a debt in my name is owed. I can not believe a person with great credit history can be scammed like this. 100 % untrue and appears this is fraud or identity theft. My XXXX Credit Report is the only XXXX of the XXXX Credit Reports ( XXXX, XXXX ) that does not have this incorrect information of a Collection. XXXX XXXX XXXX
07/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 61822	Web
I have received an alert from XXXX that Credence Resource Management has flagged my credit report for collection. I have NEVER received any correspondence regarding this. No one has called, emailed, or sent anything to me in the mail to tell me what this is regarding. My credit report notes that it is connected to XXXX XXXX XXXX but I switched from them in XX/XX/2021 and paid all that was owed. When I called Credence to get more information, the agent said they had nothing in their system matching my name and address. Even after my call, I have yet to receive any contact from them yet this is still on my credit report and affecting my score.
02/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24501	Web
They're saying I owe XXXX when I don't. I fulfilled my contract and never renewed. Called and cancelled three weeks early. No one said a word about me owing anything. Credence started calling and I told them I fulfilled my contract. Also told them they can not produce any contract I have signed digitally or otherwise. He said they would put it's under dispute. Month later calls me back and same thing. Said he'd put under dispute again. Another month they start calling again.Never produced a contract or copy. Stopped answering after looking up credence and seeing their several complaints. Now they put an illegitimate debt on my credit report!
06/11/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76039	Web
Credence XXXX agency has flagged my credit reports 5 times in the last 15 days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Theyre conducting soft pulls of my credit score then flagging it to reduce my XXXX score in an attempt to bully me into paying the debt on file. My credit score has gone from XXXX to XXXX in 10 days due to the multiple flags. Collection agencies are allowed to flag monthly not daily which is an abuse of power and deceptive reporting. Due to deceptive reporting and abuse they should be required to remove the debit or I will pursue filing a legal suit for violation of the Fair Credit Reporting Act.
10/09/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33162	Web
I returned the equipment ( mobil device ) to the XXXX store and cancel the account, around 7-8 years ago.. They said that I didn't. So XXXX started to bill me for the mobile device, then after a couple of years, they changed the debt to it was for calling services ( I used to have an unlimited plan ... ) and recently they change the date to XXXX. The original date comes from XXXX .... They want me to pay for their mess, they change the supposed reason for the debt and the dates to justify the collection ... they try to deceive me, to harm me ... By the way, I have my mobil service with XXXX XXXX XXXX since XXXX XXXX or XX/XX/XXXX ....
02/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77008	Web
I previously submitted complaint XXXX. Credence Resource Management was attempting to collect a debt for XXXX XXXX XXXX that is not mine. In that complaint, I asked for verification of the debt and a letter of deletion. I never received any such verification or letter of deletion. Credence has started calling me again. They called and I did not answer yesterday, XX/XX/2022. They again called today, XX/XX/2022, asking about a debt from XXXX & XXXX with an address in Arizona. When I talk him the account was not mine and I've never lived in Arizona, he continued to ask other questions. I told him not to call again and only contact me by mail.
09/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93105	Web
On XX/XX/2021 I received a notification from XXXX of a collection for {$1000.00} for an XXXX XXXX XXXX bill in the state of Michigan. I live in the state of California. I have never been to Michigan. This is the third time in a couple of years that this incident has happened with the same exact debt amount - I believe once the debt was in Michigan and the other time the debt was in Florida. I had to file complaints with the FTC, the collection companies and with XXXX XXXX XXXX both other times. THIS IS NOT MY DEBT. I live in California and this is the 3rd time that this has happened. PLEASE HELP XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX
08/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48239	Web	Servicemember
I am writing you to dispute this charge. When we canceled XXXX service it balance was XXXX. After our account was closed and all equipment was returned they stated we old {$180.00} because of and box we needed to get cable access up stairs. They stated because we got that box our contract was renewed for an additional 18 months and that we canceled service before the 18 month period ended. Thats ridiculous and they need to stop calling us. Period. This is my number, XXXX. They are calling my father in law who is XXXX and does not understand and can bearly hear what they are say. Please call me directly concerning this matter. Thank you.
04/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77433	Web
CREDENCE RESOURCE MANAGEMENT violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day timeframe is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CREDENCE RESOURCE MANAGEMENT fail to meet the legal requirements by law.
07/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
I've have disputed this account with XXXX XXXX XXXX last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see Credence bought this debt from XXXX XXXX XXXX from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida told me that if any company try to buy that debt and try to collect to let him know.
04/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web
I signed up for XXXX low income internet. I was approved and a few months later we moved. I called XXXX to let them know I was moving my service and a technician came to my new place and installed a regular XXXX internet box with regular XXXX services and I had no idea until I received the bill. I called XXXX and let them know I had the low income free school internet and no one could ever get this resolved. I want this immediately removed from my credit reports until XXXX can come up with a better solution. This is not my fault. Even when I called XXXX to get my service changed they transferred me to the XXXX access department.
01/16/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 76001	Web
XXXX XXXX did not disclose the debt collection at all, nor did they send a notice about sending to collections. I was not aware of these debt collections until they reported to my credit report. I reached out to XXXX XXXX on several attempts to offer payment on the account before they sent it into collections. XXXX makes it very complicated to be able to reach out to someone to get help on the matter. On the actual XXXX account, the last time i took a look at it which was XXXX XXXX, the past due balance was about {$380.00} or so. They did not disclose it was being sent to collections, and sent it to collections for over {$900.00}.
12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 108XX	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for the amount of {$1400.00}.
05/19/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21401	Web	Servicemember
Credence Resource Management , LLC. I disputed the charge because it was fraud. A company employee charged a phone bill to my personal account ( not authorized ) then was fired after discovery. XXXX XXXX XXXX sent the bill to collections and I continued to dispute the charge as fraud. Finally, after two years of no action I paid the amount, only to have Credence Resource Management refuse to delete the negative credit hit on my personal credit report. Credence Resource Management told me on the call they often delete negative credit hits for other consumers, just won't do it for me even though I actually paid the fraudulent amount.
10/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 46410	Web
I checked my XXXX credit report on XX/XX/2019 and I noticed that a collection in the amount of {$310.00} was reported as a bad debt from the creditor Credence Resource Management. I do not owe this debt, and I have no knowledge of this debt at all. I was not properly notified by Credence Resource Management about this debt at all before they reported this to the credit bureaus. By law, creditors are required to contact a debtor in writing to give them knowledge of the alleged debt. I did not receive such notice to be able to to dispute this alleged debt. This is an illegal collection. This has ruined my reputation and credit score.
05/18/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90242	Web
Time barred on my debt is now 5 years and I have made several attempts requesting it now be removed from my credit report. The creditor re-started the date to XXXX after my request for removal from my credit report since the statue of limitations has ran out on collecting or suing me. Every attempt I have made is being said valid and it stands and I don't understand how when the debt occur XX/XX/XXXX but on my credit reflects XXXX as it recent and that is untrue. I just want it removed and I'm tired of going back and fourth with the collection company. Can you please help? they are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX.
05/12/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 83687	Web
I can show phone records that show this company has called me every day, with the exception of Sundays, for the past 6 months or maybe longer. The debt they state I owe is with T-Mobile. I have already settled any debt I have with XXXX. I told them since I do not believe I owe the debt I will wait, and if it is legitimate, I will pay it once it shows up on my credit report. I also called XXXX. Nothing has shown up on my report. I believe I paid this debt and this company bought the debt and now keeps hassling me. I have asked to be taken off of this list many times. I still get phone calls and the people are so rude for no reason.
03/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 705XX	Web
On XX/XX/2021, Credence Resource Management LLC added a derogatory mark on my credit per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Credence Resource Management LLC did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXXredence Resource Management LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92883	Web
This is another fraud debt collection scam by Credence at 2 locations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX and Credence Resource Management LLC XXXX XXXX XXXX XXXX, MI XXXX, In XX/XX/2017 The account was paid off and New service began with another cable subscriber XXXX there offer for new service was to pay-off your existing cable service which was XXXX XXXX XXXX, apparrently some how after 4 years, they are claiming that this amount was never paid for XXXX XXXX XXXX where I have been a customer since XX/XX/1994 at the same location. I noticed over the many years they periodically send the same notice from the same company.
05/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94565	Web
I have received multiple unknown phone calls from numbers throughout XX/XX/XXXX, all under the same name Credence. Despite blocking them, I googled their numbers and was made aware they are under Credence Resource Management and had many multiple negative reviews. Believing it was a scam I ignored this. Today however, I was made informed my credit score dropped slightly under the name CREDENCE RESOURCE MANAGE for what Im assuming is a {$150.00} XXXX XXXX XXXX bill collection. ( unknown to me as I left their services months ago ) opened XX/XX/2023. I am willing to negotiate and/or pay for delete but would like confirmation, first.
05/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48103	Web
This debt was from XXXX mobility and I had dealt with it about a year and a half ago with another debt collector and I thought it had resolved but the debt was sold to another company. I went through an investigation with XXXX mobility and someone had opened a phone account in my name and they said that they couldn't prove it wasn't me although the addressed it was opened with is not one I am associated with. They said I was still responsible for the money ... I have never had a mobile device or account with XXXX mobility. someone had to have stolen my identity to open this. Now it is coming back with another debt collector.
06/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11434	Web
I switched company from XXXX XXXX to XXXX. XXXX was suppose to take care of the cancellation fees while I covered the past due balance on the account and return their equipments. Which I did. But a collections was still placed on my account. I was called by credit resource management and I told them I needed the last month bill so that XXXX could take care of the rest of the bill. They kept saying they sent it out but I never received it so I was unable to give the bill to XXXX. I ended up paying the rest of the bill and somehow they still sent the bill to my credit score even though I paid. I never once received a mail about it
11/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77388	Web
In XX/XX/XXXX I reviewed my XXXX credit report and noticed that their was a collection being reported on my credit file. I contacted the debt collector Credence asking for " Validation. '' They in return respond with a simple letter with 4 lines and several pages of an XXXX XXXX XXXX bill from XXXX. I then wrote to them again in XXXX XXXXstating that I could not identify this information and to provide more information. Once again, they responded with a simple letter with the same 4 lines only a different date on their letter. They provided the same XXXX XXXX XXXX bill from XXXX with no further clarification, information etc.
03/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45414	Web
A company named XXXX is calling on behalf of XXXX. Theyre asking me to verify private information before they will tell me why they are calling. I have not given any private information and they wont give me a reason that they are calling. I called XXXX who I do currently do business with and all of my bills are paid and no outstanding items were ever sent to any collections agency. They also said that they do not do business with any company called XXXX. So this is an attempt to collect a debt that is fraudulent and theyre trying to steal my personal information. The phone number that they are calling from is : XXXX
10/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19144	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The CREDENCE RM ( Original Creditor : 11 XXXX XXXX ) account that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
06/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07205	Web
During the time starting at XX/XX/2020 my name was used to open a fraud account with XXXX XXXX. On my XXXX report I saw addresses based in Texas that were supposedly linked to me as places of previous residence. I have never live in Texas nor ever had an XXXX XXXX account! The racked up charges of approx {$740.00}. I have had multiple activity appear on my credit report as a result of this fraud. I need help please. I have contacted XXXX XXXX and I am in the process of faxing them a fraud packet along with a Police statement. My residence has always resided here in NJ. I will include utility bill to showcase just that.
01/24/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33914	Web
Credence resource management continually called and also shared my personal information with someone other than myself. This is an account they received from XXXX which was cancelled after 15 years because of them slowing bandspeeds on unlimited and causing us to have no service in XXXX XXXX. I called XXXX multiple times between XXXX & XXXX. XXXX agreed to adjust billing and never did, I then went with XXXX and ported all numbers. I will not negotiate with these loan sharks collectors and will persuit $ $ $ for sharing personal & confidential information by mail with My son. Get this off my credit report immediately!!!!!
07/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70072	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
04/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WV 25801	Web
Every couple years, debt that is not mine is sent to a new collection agency. I fight it, it is found to be in my favor, and is deleted from my credit report. It has happened again with Credence Resource Management regarding the same cellular phone bill for {$1200.00}. All they have done is send a paper stating that they feel I owe it, which I do not. This account has been proven numerous times to belong to a former family member with a similar name. My name is XXXX XXXX, whereas this belongs to XXXX XXXX. Due to the similarity, I do understand the confusion, but this debt simply is not mine. PLease once again delete it.
08/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 350XX	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
12/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91601	Web
Credence Resource Management XXXX XXXX XXXX XXXX XXXX account fraudelent opend in my name ). Never had XXXX XXXX XXXX XXXX, I found out about it as I attempted to open another phone line & they refused due to the amount owed of {$410.00}. It also a collection bill on my credit that I asked to be removed due to identity theft. I have filed police reports, etc, about this & other issues that have arised over the years. It says it was opend 4 months ago ( I also asked for it to be closed they said they couldn't close it due to balance owed ). I also reported & spoke with XXXX XXXX XXXX as well as XXXX XXXX, & Credence.
04/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19702	Web
Today XXXX I received an email from one of credit card companies stating that I received a negative credit score. Upon investigation I found that XXXX sent my info to collections with credence resource management for {$880.00}. I never had XXXX and this is a result of identity theft. I tried calling Credence and they said the last digit of my SS number was wrong and they arent able to provide me with any information. This is the third time credence has gone above and beyond to affect my credit report. In XXXX, I believe the XXXX, I had to file identity theft when credence dealing with att filed a debt collection on me.
05/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ XXXXX	Web
your company has broken the law, they have furnsihed my information without my consent I am cease and desisting all illegal activity as they have violated 15 usc 1692c I am well aware of my rights as a consumer and I am ceasing all mediums of communication and that includes that through my consumer report or any other tactic to attempt to collect information, If my case is not taken serious I will hold all parties involved civilly liable in pursuant to 15 usc 1692k as they have caused mental distress and marital instability with me and my partner, I demand a deletion of these accounts From my consumer report at once.
02/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39301	Web
Received a call from phone number ( XXXX ) XXXX at XXXX XXXX on XX/XX/2019. The caller had a heavy accent but claimed his name was " XXXX XXXX, '' and admitted he was calling from XXXX ; the phone number is from XXXX, Mississippi. He claimed I owed a debt of about XXXX dollars to XXXX XXXX XXXX for landline services. I had had my landline disconnected three months ago, and have a hard copy receipt showing I do not have a balance. When I told the caller I don't owe a dime and would not pay, he made a vague threat to " take appropriate action. '' I do not know what was going on, but the caller had my name and address.
06/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. CREDENCE RESOURCE MANAGE Opened XXXX. XXXX, 2022 Balance {$260.00}
03/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77521	Web	Servicemember
This company, Credence Resource Management is trying to collect a debt that is not owed. Years ago, I had an account with XXXX XXXX. The account has been closed and paid in full. After closing the account, we were hit with Hurricane Harvey and there was a delay in the equipment being returned. Since then, the debt has been cleared up and has a XXXX balance. This is the 3rd company that has now tried to make me a pay a deb that isn't even valid for XXXX XXXX. Please note that I also was an XXXX XXXX service member when the contract was cancelled and that was the reasoning in cancelling contract. This debt is bogus.
01/18/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94523	Web
CREDENCE RESOURCE MANAGEMENT has refused to remove a {$360.00} collection on behalf of XXXX XXXX for alleged unreturned equipment which HAS in fact been returned to XXXX XXXX. XXXX XXXX gave instructions to take the equipment to XXXX which I did and received an RMA from XXXX XXXX XXXX XXXX on XX/XX/2019. The RMA was XXXX. CREDENCE RESOURCE MANAGEMENT has been provided with that information but is ILLEGALLY REFUSING to remove the collection. This HAS been disputed with XXXX and XXXX and CREDENCE lied to both of the Credit Reporting Services stating it is still accurate ( and disputing my return of the equipment ).
02/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10466	Web
I have been consistently disputing and request account validation from this company ever since I saw this account in my report. I already sent a separate request directly to CREDENCE ROOM for account validation, statements, and contract but I never receive anything since then. CREDENCE RM continues to violate my right and reporting this unknown account without investigation or account validation. I am filing this complaint to request deletion of this account that I am not even familiar with the balance they are reporting. This is not mine and this collection company does not have any proof that this belongs to me.
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44128	Web
On XXXX XXXX the collection agency Credence Resource Mana add a derogatory mark on my credit report per XXXX. Upon, Further research, this account was transferred/sold and i am no longer responsible for the account. This creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( Credence Resource Mana ) has violated my rights as a consumer and i am requestion legal actions to remove this account immediately
03/25/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 90404	Web	Older American, Servicemember
Credence Resource Management Numerous calls and I mean Numerous Very hard to let them know- I mailed a {$52.00} check to XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX NY XXXX The bill amount is for {$52.00} check is fromXX/XX/2020 I am XXXX person and can not stand the stress of this issue! I believe in paying my bills-However I was taken to a hospital for almost serious health problem. I did call XXXX to check on what is going on. I believe they sold this to them probably for a dollar or so. I do not believe a person credit should be suffer for {$52.00} I need help with this matter. Better commucation is the key!!
06/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32404	Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX is trying to collect a medical dept that is a result of Identity Theft. They are relentless. Will not respond. Continuous attempts at collection when this bill is not mine and I was never in an emergency room anywhere near the state or city they claim. This is a fly by night company clearly without any sort of legitimate operation. This bill is not mine, yet they are still trying to collect!!! Several attempts at stopping the collection resulted in sending the bill again and again. Will not respond to my dispute for clarification.
11/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10025	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This is the first that I heard about this company. It appears on my credit report without proper communication with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number.
08/11/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30907	Web	Older American
They keep calling every morning waking us up. They asked for someone else we told them they have the wrong number but they continue to harass us told them we have that number for 20 years and there is no such person at this number ( XXXX XXXX XXXX ) we have had it please have them stop we are retired we have no debts.. everything we do is paid for our credit cards are paid each monthits their responsibility to make sure they are contacting the correct person not mine to write them and explain who we are they are relentless in using the phone to irritate us they have the wrong person but dont except our response
11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Web
Credence Resource Management reported a collection on my credit report in XX/XX/2021. Credence never reached out to me about this. I found out my checking my credit report. This debt is not mine so I disputed it on XXXX as soon as I found out, in XX/XX/2021. In XX/XX/2021, Credence changed the debt collection date from XX/XX/2021 to XX/XX/2021 and XX/XX/2021. On XX/XX/2021, I mailed Credence a debt verification letter, to verify information about said collection. It has been over 30 days with no response from Credence. So now, XX/XX/2021, I am requiring this false collection to be removed from my credit report.
10/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91040	Web
In XXXX of 2019 XXXX XXXX incorrectly charged me a disconnection fee, I am currently receiving their services. I spent 4 months on the phone trying to get them to correct this fee. Every time I called they said it was corrected but 2 weeks later they would send another bill. They sent this incorrect bill in early XX/XX/2019 to Credence Resource Management ( a collection agency ). This agency has continually been harassing me. XXXX XXXX finally gave me my long overdue credit but Credence Company continued to be rude, unprofessional and not willing to listen to me when I called them to say I did not owe anything.
09/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web
On XXXX XXXX, 2019 I received an alert there was an account added to my report as a collection from Credence Resource Management for XXXX the company is also apposing as an attorney as well with no contact info, I have no idea what this matter is as I am a victim of identity theft and it has been on my credit report for years, the company has not sent any validation, no written notice or I have no understanding of the debt so I am asking the company to remove this item from all my credit reports until you have all proper documentation and validation just putting the info on my credit report is not validation.
12/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 99224	Web	Servicemember
On XX/XX/XXXX, there was a debt collection account that popped-up on my XXXX credit report. It says the collection date was opened on XX/XX/XXXX from a company named Credence Resource Management in the amount of {$490.00} from XXXX XXXX. I have absolutely no knowledge of this debt and have not lived in an area that supplies XXXX XXXX in 4 years. Let alone had any service that I can knowingly remember since XXXX. At the conclusion of my service agreement, I closed my account and returned all equipment. I have not heard anything or received any communication in regards to any remaining balances or debts owed.
05/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 461XX	Web	Servicemember
Contacted via phone only about a debt supposedly owed. I have never received any documentation or any owed money to the original company nor have had any service as described by the debt collector. I asked for detailed information and they can not provide any specific information other than it being a final bill. I contacted the company they say is the original creditor and they can not provide any specific details on what they say I owe money to them. The debt collector will continue to proceed even though they do not have any supporting documentation, nor have ever provided anything in writing to me.
05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web
I was alerted by XXXX credit agency that new activity appeared on my credit report. A account went into collections from credence resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX, XXXX, acct- XXXX, date opened,, XX/XX/XXXX, original creditor is Att for the amount of XXXX. I completed an online dispute XX/XX/XXXX, this is fraudulent activity, I did not open any accounts with anybody on XX/XX/XXXX, nor am I aware and have never recieved any correspondence from XXXX or this company about any past due monies owed by me. This activity appeared out of the blue on my credit report XX/XX/XXXX
11/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90807	Web
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Name XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Balance {$160.00} Current Balance {$160.00} XXXX XXXX XXXX XXXX account Comments Placed for collection XXXX XXXX Collections - summary XXXX XXXX XXXX
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75082	Web
On XX/XX/XXXX, I disputed a collection account with Credence Resource Management that I had no knowledge of and this account was deleted from my credit report. On XX/XX/XXXX, with no written knowledge to me, this account was added back to my credit report in the amount of XXXX. Credence Resource Management is reporting that this account was opened XX/XX/XXXX which is absolutely untrue and they are trying to collect on behalf of XXXX ( whom I have never had an account with ). This is unfair and deceptive and my credit score dropped 49 points as a result of this company 's unfair credit reporting practices.
04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75081	Web
On XX/XX/XXXX I mailed Credence Resource management a letter, by certified and return receipt mail, stating they need to give me the full audit trail on the account they are reporting negatively on my account. I HAVE NOT given permission to any person, any debt collector, and/or any creditor for the release of my information to a third party. They keep calling me even though I have told them to stop calling me. Credence has not responded to my letter. I do not want a letter saying they can not verify who I am. I've already included my name, address, and the account number for this derogatory account.
03/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web	Older American
This company Credence Resource Management , LLC is appearantly working a scam on XXXX XXXX. I received a call from them on Thursday, XX/XX/XXXX. They claim to be attempting to collect on an Already Paid Debt, for ambulance service, dating back to XX/XX/2012! First off this debt ( ambulance service ) incurred due to a work related accident. This debt was billed to and PAID FOR by XXXX XXXX XXXX Now ELEVEN years later, Credence Resource Management , LLC is attempting to be paid a second time, in hopes that a XXXX XXXX XXXXXXXX XXXX XXXX has forgotten the details and will render payment a Second Time.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70094	Web
I have sent this company multiple communications attempting to request validation of the alleged debt. The company has not once responded with anything that validates this alleged debt, yet they continue to report a debt on my credit report on a monthly basis. Please send me information that verifies this belongs to me and that it is 100 % accurate. I am not sure who this company is or why i owe them. I never had business with Credence or agreed to any transaction with them that makes me owe them money. If they bought debt from someone else, they need to reach out to who they bought it from for payment.
09/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23608	Web
Credit Resource Management is reporting on my CR with a " debt '' that state is owed by me, natural person. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Credit Resource Management or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Credit Resource Management. I have yet to witness a " wet ink '' signature between myself and Credit Resource Management nor have I ever received a True Bill in commerce in regards to this account. There is NO valid contract.
11/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33321	Web
XXXX is the facilitator and contact company for XXXX and all billing was combine and paid through XXXX. When the service was terminated, the last billed posted was paid in full to XXXX. I don't owe a balance for services. I contacted the creditor for more information and the call was disconnected every time I asked for them to send me valid information on the account. Such as, the debt validation letter with the address on file with my signed signature and any supporting documentation on the debt. Each time, the line was disconnected by the representative. Again, I do not owe a balance on this account.
05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28214	Web
CREDENCE RM XXXXXXXX Current Last Updated : XXXX XXXXXXXX XXXX Account Status Open Account Type Collection Account Payment Status Collection/Chargeoff Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I did not give permission for XXXX to report this debt to my credit report I did not agree to my personal information to be solicited It is illegal to charge or write off a debt as a loss for and seek payment from a tax write off and continue to report collection late payments or any negative debt This is not my debt
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85143	Web
approximately XXXX HRS, I XXXX XXXX received all 3 copies of my personal credit reports from all 3 major credit bureaus. After carefully reviewing the information provided to me, i discovered several unauthorized accounts & hard inquiries reporting on my credit file, someone has obtain my identity and has been applying for credit, I would like this matter further investigated and will be placing my credit reports on a file freeze to prevent any further attempts. Below i listed all accounts name and dates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANA Account Number : XXXX
02/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 954XX	Web
Wednesday, XX/XX/XXXX I was called by somebody saying that I owed money and somehow was sent to collections for my phone bill at XXXX XXXX, but I called my phone company and I know its a scam. They have called me multiple times a day. I looked up the name that they use Creedence resource management and I could find A bunch of stuff about them online scamming other people also comments that were suspicious saying it wasnt a scam seemingly all from the same person. Another person on the XXXX XXXX XXXX website pointed this out. They really pushed for personal I formation and wouldnt identify themselves
06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 466XX	Web
I never had any dealings with this company. They called me once and I told them I don't know who they are and if I owe them send me, Original contract with wet ink signature binding both parties, sent certified mail, Validation of debt- that is the actual accounting, Verification of their claim -that is a signed Invoice not a statement This was a conversation over the phone roughly 3 months ago. I've given them plenty of time. This is unfair to me and the banking systems because this is being reported on my consumer report and hurting my chance and the banks chances of consumer credit transactions.
08/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77066	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDENCE RESOURCE MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
12/21/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 76131	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11235	Web
On XX/XX/XXXX 2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
02/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33155	Web
I am a victim of identity theft due to an XXXX Credit Breech.CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX, MI XXXX, acting on behalf of XXXX XXXX, has continued to report this fraudulent account, contact me to harass me and send me threatening letters.Even after they have received on XX/XX/2020 identity theft documentation and notification that this account was a result of identity theft accordance with of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly.
02/27/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AK XXXXX	Web
Credence Resource Management keeps calling asking for personal information ( ss #, birth-date, etc ) before the will tell me why the are calling. I have called back trying to get information without providing personal info. I asked that they send me a letter with details of the issue. They say they need me to verify my current address, I told them to mail to the address they have on file. ( we have had the same address for 35 years ). There is nothing on my credit report showing an issue and we do not carry a balance on any credit cards. I believe this is a scam and want them to stop calling.
09/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36608	Web
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
04/21/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 90808	Web
The company in question is called Credence resource management, they have called on a almost daily basis saying that they are a debt collector trying to collect a debt for an XXXX XXXX XXXX account and phone number that I have never had and I have never had XXXX XXXX XXXX I have called them repeatedly and told them to stop calling my number which they do not do, and I have contacted my lawyers at my credit repair service to confirm that there is no Credence resource management agency reporting on my credit reports. When they have called they try very hard to get personal information out of me.
03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33033	Web
XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XXXX CREDENCE RESOURCES MANAGEMENT XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
03/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45039	Web
On XX/XX/2018, Credence Resource Management , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Credence Resource Management , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
11/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77530	Web
First i am the mother of the minor child XXXX XXXX birthday XX/XX/XXXX i pulled my child credit because i was getting phone calls from credence resource XXXX XXXX enabler I they verified with me her name birthday and social everything was verified accurate except her birthday they had same social same birthday but different year of XX/XX/XXXX when her birthday is XX/XX/XXXX so i pulled credit under the year harvest had and my minor child have a credit profile with several accounts from this company i am enclosing her birth certificate social security card my temp id and a recent bill as well
08/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 96007	Web
Creedence Resource management LLC out of XXXX, Texas claims I owe a debt from XXXX, XXXX,2017. I do not owe this and they put it this week on my credit report again. They did this once before and removed it. It was with XXXX XXXX out of XXXX XXXX mall in XXXX, California. A dishonest employee used my information to form a false account to steal from XXXX. I never had an account with them. I have XXXX, was homeless and had no bank account to get such an account. Please make them remove it from my credit report. Thanks, XXXX XXXX XXXX. It was only placed on XXXX XXXX credit reporting company.
12/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44146	Web
A few days ago XXXX XXXX XXXX put a account on my credit report and I was never giving any physical notification in writing pertaining this alleged debt or notification for the attempt to collect this debt that is a violation. No information given regarding account. Violates federal 15 USC 1692g ( a ) and 15 USC Section 1681. I never authorized or given permission for this to be reporting. This account had already been removed from my credit report once because it was a fraudulent account. This is a violation of 15usc 1692 ( a ) this is harassment and they are hurting my credit reputation
04/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30141	Web
Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX collector Has tried to collect a debt from me. However, I do not own this debt. I have written several letters disputing this debt and they can not prove the debt is mine or that a payment came from me under said account number. They have continued to call and harass me on a debt that is not mine after letters have been sent. I have also sent letters/emails to the fraud department of original account and they have stated. The account number in question is not mine and there is nothing else owed under this account.
09/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30122	Web
credence resource management have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate ( letter posted ) which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.
09/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 207XX	Web
I have been contacted by Credence Resource Management LLC. I have researched this company and it appears they are attempting to defraud people. I settled this account with XXXX XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of XXXX customer.
01/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76542	Web	Servicemember
After being on the phone with an agent that could not verify my information this account was almost 10 years old and they still were reporting it to my credit which was a violation of my consumer laws which after 7 years an account should not be still on my credit report. I paid the amount that the agent agreed and In writing, she agreed the account would be removed from my credit report not reported as closed this was a violation of the written agreement that me and the agent if this company both agreed to and now I will be escalating this problem to higher authorities for this matter.
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11368	Web
On XXXX XXXX, 2020, CREDENCE RESOURCE MANAGEMENT add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGEMENT has violated my rights as a consumer and I requesting legal action to remove this account immediately.
08/11/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 608XX	Web
Credence Resource Management continues to call me. There is no record of me owing any debt to them, either directly or indirectly. I contacted them by mail, last year when they started the harassment, to ask for proof of claim, and to inquire about the statement they sent, but they did not respond. Also, asked in the same communication for them not to call and harass, and to respond by mail as I had done. My fear is that their fraud will continue and they will attempt to bind me to some contract against my consent. Their harassment is very troubling as they call at all times of the day.
10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32818	Web	Servicemember
On XX/XX/2018 I settled a debt in the amount of XXXX with XXXX XXXX XXXX for a debt owed to XXXX XXXX, I have a letter from XXXX stating the debt was paid in full, it also shows on my credit report that the debt is paid in full, however XXXX XXXX turned around and sold the debt to another collections agency by the name of credence. I have sent Credence proof that the debt has been paid and that XXXX XXXX sold the account to them fradulently, however XXXX XXXX or Credence refuse to provide me a letter indicating the account is paid and they will remove the debt from my credit report.
12/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 432XX	Web
Credence has been repeatedly calling and harassing me and my family regarding a bill I do not owe. I have disputed this bill in the past and have got it waived from XXXX XXXX XXXX but a manager from Credence names XXXX XXXX has been putting pressure onto me, by threatening to damage my credit. I have spoken to him several times, they agree to delete the credit tradeline only if we pay a minimal amount of {$780.00}. THE ONLY WAY I can fight this is to file a complaint as I solely depend on XXXX benefits to satisfy my day to day needs. Credence also threatens to garnish the XXXX benefits
08/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78259	Web
A certified letter was mailed to Credence Resource Management on XX/XX/2020. The certified letter XXXX XXXX XXXX XXXX XXXX was received by Credence Resource Management on XX/XX/2020. To date, I still have not received any response from the company or any supporting documentation to prove that I owe this debt. I was unaware of this debt and I have never received any documentation stating that I owed this debt. I only became aware of this debt when I ordered my credit reports recently. They have had ample time to respond to my letter and provide the necessary proof that I have requested.
09/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	XXXXX	Web
I am continually receiving collection phone calls from Credence Resource XXXX I was given a reference # XXXX re : a XXXX bill. My insurer has confirmed this bill to be paid to the original debtor XXXX XXXX XXXX. However, Credence continues to call me XXXX regarding this bill which is no longer owed. I phoned XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) and they have confirmed that this bill has been paid and that they do not deal with Credence for collection. Additionally, accordingly XXXX XXXX XXXX never sent this bill for collection. How do I make these collection phone calls to stop?
05/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 704XX	Web
A XXXX account was open in my name without my knowledge. I do not have XXXX I have dish and the address that's on the account does not match my physical address where I actually live. They wouldn't tell me what the address was that was on the account even though they said it did not match. They kept asking me to tell them what was the address that was on the account and I told them I don't know because I did not open that account how could I know what address that was on the account if I did not open and also they kept transferring me to different departments and no one would help me.
12/21/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 44134	Web	Servicemember
In the last 23 days, they have called me XXXX times. on XX/XX/22 and XX/XX/22 they called twice per day.. I answered their call today XX/XX/22 to provide the evidence that the debt is not mine, and they still insisted I pay the balance. They were extremely rude and unprofessional to me. When I mentioned the FDCPA violations regarding all the repeated harassment, they became hostile, and insisted I pay the money. After advising them of their violations and that I would take legal action, they hung up on me. Its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92656	Web
Noticed a collection on my credit report from a collection agency without any notice sent to me. Do not know who the creditor is and started receiving calls from this collection agency everyday started on XX/XX/XXXX. I answer the calls and the phone call will just hang up. Finally called on XX/XX/XXXX after receiving a missed call and recording stated credence resource management and states leave a message. I assume its spam call so I blocked it but still receiving calls from them from different number with their name displayed. I always monitor my credit because trying to buy a home.
09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84341	Web
My contract with XXXX was up. I was no longer able to view my account online, and after numerous attempts with customer service, I still could not view my account or see what I was being charged. I then switched accounts to XXXX and paid out the remaining days of the billing cycle that actually used the XXXX service. The day I switched to XXXX, I again contacted XXXX to cancel and they said when I ported my number over to XXXX, my account cancelled automatically. This amount this company is trying to collect on is for time AFTER my contract was over and cancelled. I DO NOT OWE THIS.
03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	XXXXX	Web
I never received a bill from XXXX after the cancelation of my phone in XX/XX/XXXX when I moved out of the country. XXXX had sent me email about the cancelation and some other promotions after the cancelation while still outside the country but never once a bill pending. The day of the cancelation I was told by XXXX that I needed to wait for the bill to be formulated, but I never received it. I was clear at explaining that I was no longer in the country. Now after revising my credit report I have a company CREDENCE RESOURCE MANAGEMENT claiming to have me in collection since XX/XX/XXXX.
08/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19151	Web
Reviewed my credit report and Credence Resource Management placed negative item on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Credence Resource Management should remove incorrect information off my credit report. More importantly, Credence Resource Management are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credence Resource Management.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NY 11373	Web
I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with XXXX XXXX XXXX ( for XXXX ) and Credence ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. Thank you for protecting my rights. Best,
12/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 190XX	Web
The Credence company located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, keeps harassing me that I did not pay the XXXX & XXXX internet bill and needed to pay the debt. The internet line was disconnected at the end of XX/XX/2021 by XXXX & XXXX after receiving my request. But the credence is asking to pay the bill for the month of XX/XX/2021, when my internet line had already been cancelled. I have asked the credence to send me details ; however, they are not cooperating ; instead, they keep sending me collection notices without more information. They must need to stop harassing me.
08/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	DC 20017	Web
On XX/XX/2018, I reviewed my credit report and noticed a new collection account on my report. I contacted the company, Credence Resource Mgmt, that was listed as the company that placed the collection on my credit report. I called the company, asked about the account they placed in collection, and they referred to an account that was over 7 years old and has already been removed from my credit report, but this company reported it as a new debt. The company does not even own this so called debt and said they are collecting the debt on behalf of XXXX XXXX XXXX for wireless services.
12/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 284XX	Web
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX {$1500.00} from XXXX XXXX XXXX XXXX XXXX NEVER received any notification of this amount or account. NEVER had an account with XXXX XXXX during this time period. When I called and asked the Credence Resource Management Representative, and also spoke with a Supervisor, would not mail documents to my address. I asked where they were located, and he responded : " XXXX, offshore ... '' I also asked repeatedly if this was a scam, and they did not respond. I only gave my name and zip code, then they hung up on me.
01/25/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 701XX	Web
I received a notice from my bank that suspicious activity was detected on my credit report. Upon reviewing the notice, it became apparent that Credence Resource Management ( " XXXX '' ) reported an alleged unpaid balance to XXXX. However, XXXX never contacted me regarding an unpaid balance, which is a violation of the CFPA. Additionally, the debt itself is illegitimate and fraudulent, which I have tried to correct with two prior collections agencies. In both instances, those agencies removed the mark from my credit report because they were unable to prove the validity of the debt.
12/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77477	Web
Company Name - Credence @ XXXX XXXX XXXX XXXX for XXXX Credence Reference ID - XXXX I disconnected service from XXXX on XX/XX/2019 and returned the equipment. Customer service told me to continue using service already disconnected since XXXX 's policy does not prorate bills. XXXX insist I should pay for a full billing cycle even I used service for about a week and I was not on a contract. I feel like I'm being defrauded by XXXX, I was never informed of the policy to cancel service at the end of the billing cycle or to obtain permission to switch providers when I had no contract.
10/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 97060	Web
I had a dispute with XXXX XXXX XXXX about XXXX. I have a written renegotiation of my contract that XXXX defaulted on and turned off my service. I stopped paying and sent back their equipment. They turned the bogus collection over to Credence Resource Management and Credence sent me a letter. I sent Credence an email on XX/XX/XXXX, telling them that I did not owe them any money and I did not owe XXXX any money and informed them to NOT contact me again about this bogus claim. I received another letter dated XX/XX/2018 about the bogus debit. This is a clear violation of the XXXX.
06/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94118	Web
I started Service with XXXX and cancelled 7 days later. They billed me incorrectly for the services I received. I called 3 times to correct the matter - every time agreeing on the phone that they would change the amount to the correct amount. I never received the corrected bill amount or given the opportunity to pay over the phone by XXXX, and instead was contacted by a debt collection agency, trying to collect the incorrect amount. The debt collection agency is Credence - and noted that it could appear on my credit, and tried to collect the incorrect amount, {$130.00}.
12/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97236	Web
On XX/XX/2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33068	Web
Credence Resource Management has been recently attempting to collect on a debt here and Florida where they do not currently have a license to do so. I first requesting validation of the debt and after researching creditor further, I learned that their license is inactive here in the state of Florida yet they continue to report this debt on my credit report. I 'm not sure how they obtained this information from XXXX, as I do not nor ever had an account from them, but to not even be legally authorize to attempt to collect this debt in the state of Florida is surprising to me.
08/24/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 45103	Web
This company ( that never stated their name directly I only found it through my XXXX app ), initially contacted me on XX/XX/2019 about a debt owed to XXXX XXXX XXXX XXXX. After explaining the extenuating circumstances and that I wasn't able to pay the amount they demanded and asked for them to cease contact, they began to harass me for phone numbers of my spouse and family members to get the debt paid. I refused to give them any information and hung up on them when they began yelling at me. They have continuously called me every day since then despite my asking them to stop.
03/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY XXXXX	Web
CREDENCE RESOURCE MANA violated my right on XX/XX/2022 I recently got a message on my XXXX credit report that I had a collection account CREDENCE RESOURCE MANA. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. and is not allowed to collect Debt in New York XXXX. CREDENCE RESOURCE MANA Account number XXXX Balance on XX/XX/2022 Original balance {$3400.00} {$3400.00}
05/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90062	Web
I found a collections account on my credit report from Credence Resource Management. XXXX said the debt began XXXX of XXXX, and is from XXXX XXXX XXXX. I called XXXX and they do not have an account under my name. I called the collections, Credence Resource Management, and they also do not have an account under my name. However, they are reporting it to both XXXX and XXXX and it is negatively hurting my credit. I believe either the collections agency is trying to collect a debt I do not owe, or they have the wrong person. Either way, they refused to take the collections off.
09/19/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91977	Web
Im having false charges from XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX With XXXX XXXX I had signed up through XXXX and the agreement was $ XXXX/month but after the 2nd month the cost/month was {$90.00} and we didnt agree to that amount I have equipment of theres Im willing to return as long as postage is paid and Im incapable of getting their dish off of my roof is the other issue With XXXX & XXXX we bought cellphones from them and had cellphone service where the rates were changed on us as well The amounts they have of what amount I owe is much higher than what it should be
09/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90028	Web
i suffered financial hardship as a result of the pandemic and the government shutdown and was unable to pay my XXXX XXXX phone bill i had for 5 years as a result my bill got up to {$1300.00} XXXX XXXX sent the unpaid bill to collections which i felt was unfair and my credit is being negatively affected i filed a dispute with XXXX thru XXXX XXXX and the account was deleted and my credit score went back up then a debt collection agency purchased the account and got i put back on now XXXX will not delete the account i am a victim of covid 19 my credit should not be affected
04/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web
I canceled my account with XXXX in XXXX of XXXX by calling in and speaking with an agent. I paid the last owed bill and returned all the equipment in the box they provided. My service was deactivated and my account was closed. Never heard from them again, not through email, phone, or mail. I recently looked at my credit report and noticed I have a collection from CREDENCE RM on my report for {$160.00}, which again I knew nothing about. I do not owe direct tv any money. I went about closing the account the correct way, paid my final bill, and returned all their equipment.
02/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	DC 20019	Web
I have received several phone calls from a company called Creedence Resource Management. They claim to be calling regarding a personal business matter. They have alleged that I owe money to a XXXX XXXX, I have never done business with this bank. another call claimed a debt with ATT. I have never owed monies to either. They sound like they are calling from a boiler room. Research via the internet shows that this is a scam company that goes after you for fraudulent debt. They misidentify their telephone number so it looks like a bank is calling and call from a local number.
09/07/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
To whom it may concern : With respect to where/how this alleged account was originated, I have not the slightest idea? I have not had any business with XXXX XXXX XXXX XXXX ( other than many years ago with home telephone service?? ) Additionally I have never received any statements, letters from a collection agency concerning XXXX XXXX XXXX XXXX, phone calls, emails, no communication whatsoever. The amount they are seeking/claiming that I am owing them is {$1400.00} This is nothing short of an attempt to extract monies from me, and or them chasing the wrong individual.
06/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 285XX	Web
I live in XXXX and received 2 collection notices from Credence Resource Management LLC for debt that is not mine. The original creditor is XXXX XXXX XXXX from XXXX XXXX, XXXX. One was dated XX/XX/XXXX for a total of {$7200.00}. The other letter was dated XX/XX/XXXX for a total of {$4200.00}. I have never been to XXXX in my entire life. This debt is not mine, please help! I mailed 2 certified dispute letters today XX/XX/XXXX to both locations listed for Credence Resource Management. One mailed to XXXX, XXXX and the other to XXXX, XXXX. Thanks in advance for your help!
09/08/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93536	Web	Older American
We receive 2-3 calls from " Credence '' daily - sometimes the calls start before XXXX XXXX, and the latest was received after XXXX XXXX The calls go to our land line, which we never answer unless it's someone we know. I finally looked up Credence online, trying to figure out where that city was, but in doing so, I found out that it is a collection company with a history of scamming people. We have NO debts or outstanding bills. Credence never leaves a message, so we KNOW it's a scam. Please put a stop to this annoying harassment and put these scammers out of business!
02/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 600XX	Web
A company called Credence keeps calling my inlaws home claiming I owe a debt. They will not state what the debt is about or what amouny is owed. This happens several times a day, and my inlaws have repeatedly asked them to stop calling them. I know this is fraudulent, because they never ask for me by my legal name which is what I always put on all of credit appications and forms. They always ask for me by my nickname that family and friends address me as. I have also never recieved contact this company via mail. The number they always call from is XXXX XXXX XXXX XXXX.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29210	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
10/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37659	Web
CREDENCE RESOURCE MANAGE. Continues to state I have a collection account for {$340.00} for XXXX XXXX XXXX. I never received written communication from XXXX XXXX XXXX or Credence Resource Manage for any type of account. This account was the result of a fraudulent act committed by a criminally abusive boyfriend who had access to my private information. He had no permission to use my information for his phone plan. They continue to post this on my credit report and I have to relive the pain caused by him each time they deny my dispute. I just want this to be over with.
06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA XXXXX	Web
I cancelled XXXX XXXX XXXX wireless account and paid amount owed. XXXX XXXX XXXX is attempting to charge me an additional {$120.00} that I do not owe. Moreover, XXXX XXXX XXXX stated that the charge was for " equipment, '' but I brought my own device. This disputed amount has been assigned to a collection agency, Credence, who repeatedly sends me notices to pay. I have tried to resolve this issue with XXXX XXXX XXXX XXXX First time, when I received notice to pay ; second time, when it was turned over to a debt collection agency. Thank you for your help. XXXX XXXX
03/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55427	Web
Credence and XXXX : This is the third time Ive submitted the fraud packet and included a police report file number. Ive now had to file 2 different reports with 2 different police agencies. I have submitted the information as requested and have provided proof that Ive been with XXXX XXXX XXXX on a family plan for 22 years ( 1997, when I turned XXXX ). Ive never had service with XXXX and when I originally dealt with this, XXXX assured me we had no business and they closed the fraudulent claim. How it has been resurrected, an invalid and fraudulent claim, is beyond me.
06/20/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77706	Web	Older American
They call on a daily basis, sometimes two or more times. I have sent several letters explaining my situation and telling them not to contact me or anyone else. They keep calling and calling. I have blocked them. They do not have a call back number that shows up on my phone. I have documented the following dates and times : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX. This is only a small list of a myriad of phone calls that goes back months and months.
11/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 770XX	Web
Although there is no balance, Credence clients report past due amounts for collection. On XX/XX/2018, I received a Demand Letter for payment for a company that I do not owe anything to. They should check with Creditor for accurate reporting before they attempt collections. I am really exhausted with responses to this company sending Demand Letters for accounts that were paid and/or did not have a balance. I DO NOT OWE ANY MONEY TO XXXX AT ALL. I am requested make a payment for an amount but XXXX has called me several times to return and I did not have a balance.
11/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33809	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. CREDENCE RESOURCE MANA XXXX Balance {$960.00}
08/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30311	Web
Credence Resources Management, LLC attempted to collect for XXXX the amount of {$140.00} XX/XX/XXXX. I stated that I did not own that amount and we agreed that I pay {$88.00}. On XXXX XXXX, XXXX, I sent a cashiers check for {$88.00}. On XXXX XXXX, XXXX, I received a check from Credence Resource Management, LLC for {$88.00} made payable to my company, XXXX XXXX XXXX. I called and spoke to a supervisor who told they did not know what the check was for. To this date, I have not got a resolution on this matter. I have returned the check to Credence Management, LLC.
04/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08057	Web
I received an negative mark from Credence Resource Management LLC on my XXXX XXXX Credit report. I disputed that it was mine since I have never ever used the original creditor ( XXXX XXXX XXXX in my life. Rather than send me out proof that this debt is somehow mine they sent me a form for fraud or identity theft. They are asking for copies of my driver 's license, affidavit and a police report. I find it absolutely absurd that I have to jump through hoops to prove my innocence due to their incompetence. Sincerely, XXXX XXXX XXXX Credence Reference ID : XXXX
05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30224	Web	Servicemember
Ive called this company spoke to a customer service agent as well as a supervisor. Neither of the calls made yielded a contract saying I was in an agreement with them. They say they are a third party agency that bought a debt and I need to pay them {$200.00}. I do not owe this company any money, nor have I signed an agreement to pay them any money on behalf of any person or business. I asked for the comp [ any to send me the original contract for this agreement and I was told they do not have it. Please remove this from my credit report as a derogatory item.
04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45150	Web	Servicemember
I keep having different collection agencies putting this XXXX account on my credit report that I have been disputing successfully now for around 2 years. I dispute it and the credit bureau 's keep taking it off then 6 months later another company will, do the same thing. XXXX from XXXX but this not my account. Credence collection agency put it on my XXXX report total of 3 times within a few weeks .... XXXX XXXX XXXX XXXX XX/XX/2022 and now again XXXX XX/XX/2022. They also placed it on my XXXX XXXX report. I need this to stop immediately thank you very much.
12/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11212	Web
I am writing in reference to credence a debt collector who I asked to verify a debt on my credit report however they sent me a letter stating that it is valid with no supporting documentation. I have never had XXXX XXXX XXXX who they state is the original creditor and I can not possibly owe someone I have never done business with! Credence is refusing to remove this INACCURATE information from my credit report and I am considering litigation as this reporting is causing me severe distress. While I prefer not to litigate I will do what is in my best interest.
12/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31605	Web
Contacted company by phone to get a copy of original debt. Statedthat I would be directed to a manager. Spoke with manager and requested copy of original debt. Was told the process of setting up a payment arrangement. I stated that I did not want to do that and that I need a copy of the original debt. They proceeded to repeat the process of setting up the payment arrangement. So essentially I need to pay them prior to getting a verification of debt which is against the law. They stated that they would send a copy of original debt but it has notbeen recieved.
08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28304	Web
There are 2 of the same accounts opened from XXXX XXXX Properties, but since they are under 2 different accounts they won't remove the one. I tried last XXXX ( 2021 ) to have one removed but was refused since it's technically 2 different accounts. I was then told to contact the people who filed the report ( XXXX XXXX ), which I did and they said there was nothing they could do since it was already reported. I have not received any paperwork about the claims and am asking for both to now be removed from my credit on my XXXX report since it is not on my XXXX.
07/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30324	Web
I have reached out to Credence Resource Manage because i noticed it was a charge on my credit I have no clue who these people are I asked for a list of documents .contract with my name and signature .full payment history .Name/Address of original creditor .Proof of ownership of debt I was told they don't have ownership they was collecting for someone else without sending me a notice or verifying proper documentation the supervisor verbally said they don't have ownership of this and the information was never sent out properly so I asked for it to be removed
06/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63021	Web
I was involved in an accident at work and was transported in Ambulance. As part of Workers Compensation this ambulance amount was paid by Workers Compensation company XXXX XXXX XXXX company. I received letter from Credence Resource Management LLC that I still owe money and is up for collection. I also received called from them and i informed them to contact the workers insurance and also my lawyer. Now they are trying to collect this debt from me sending me debt notice. This is really XXXX me and i am just trying to come out of the accident i was involved.
09/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32771	Web
I filed a dispute with Credence who now collects on the debt and they responded saying that the debt was verified but gave no indication a to why I owed that amount. XXXX sent me a bill totalling over {$1000.00} but the bill says that the lines were cancelled and satisfied. The amounts do not add up and I was told I did not owe anything after I cancelled my lines as I was no longer under contract. I do not own XXXX or credence anything and I would like it removed from my credit report as I also believe it is beyond the statue of limitation for collection.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30315	Web
In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the fair credit reporting act convergent Accounts # XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the fair credit reporting act convergent Accounts # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
03/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32224	Web
In XX/XX/2018 I switched to XXXX mobile service from XXXX. The salesman advised he would pay off any amount due to XXXX XXXX and took all four of our existing XXXX XXXX phones. I received several calls from XXXX XXXX advising me of a {$870.00} balance due. I made contact with XXXX and XXXX XXXX many times trying to resolve the matter without success. At one time I was told that the salesman was fired for making false promises to potential customers. The debt was sent to Credence resource management and is now on my credit report. Please help. Thankyou
07/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32526	Web
I have been contacted 2 times by Credence Resource Management and requested bills BOTH times and never get them. The first time I ask for a bill to be sent to be was when they decided upon them self to email it so it was probably deleted, the second call was when they did not send a bill bit offered to setttle the amount due for a different amount. The thing XXXX raised red flags for me was it is so hard to get this company to send a bill to my house with so much fraud going on I want to verify the debt not pay a settlement of something I never owed.
03/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 387XX	Web
I paid my bill and requested cancellation of service in XXXX of 2020. Somehow the Company was still charging my account. I had no knowledge because I wasnt watching television to keep track of how long it had been happening. In XX/XX/2020 I returned all equipment to the company that wouldve been a fee if it wasnt returned. The delay was due to a busy schedule. But all of the equipment was returned. Im not sure why the Company wishes to go against the dispute but I refuse to allow them to force me to pay by messing with my credit for debt thats not owed.
02/03/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77006	Web
CREDENCE RESOURCE MANA Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have been trying to valid a fake/ wrong/ invalid debt from this company now for XXXX months. I have asked them for verification and proof of this debt, that they legally own this debt and I have been asking to verify this debt for months. I understand that this needs to be removed within 30 days if there is no response for this scam and its still reflecting my report. Never not once have I received any information in writing that verifies this debt.
10/07/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.
07/01/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 23231	Web
I am inexperienced with how credit works and came to the realization that its very detrimental to life as I am embarking on my journey through adulthood. As I was keeping track of my credit score recently, I noticed there was an account opened on XX/XX/2021 by a creditor named XXXX XXXX XXXX The account name is Credence Resource Manage. I am aware of my credit card account I have with XXXX, my car loan account and my student loans that are on my account. However, I have no knowledge of that account I stated and believe that it is a fraudulent account.
01/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91006	Web
My Mother stopped service with XXXX XXXX XXXX because of horrible support. She switched carriers. But XXXX XXXX XXXX turned account over to collection. And even turned another account in my name to same collection. I mailed Credence Resource Management on XX/XX/2020. And disputed the debt. And I requested on statement that all collection activity be halted for at least thirty calendar days. The certified letter was received on XX/XX/2020. However, Credence sent me letter post dated XX/XX/2020. In violation of Fair Credit Collectors Practices Act.
04/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30132	Web
I have sent a pay to delete letter to debt collector ( Credence Resource Management LLC ) and I have had no response from the debt collector. I proposed a payment of {$130.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and received.
10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
04/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA XXXXX	Web
In reviewing my credit report I discovered a new debt from Credence Resource Management for XXXX XXXX XXXX. I do not owe this debt and in addition filed XXXX in 2014. This debt is being reported without and amount on my XXXX credit report with XXXX. No account number or amount is listed just the debt collection agency listed. I wish this to be removed from my XXXX credit report and any other credit bureaus. No date was entered as to the timeframe for the inquiry. This has lowered my credit score and is impacting my ability to re-establish credit.
10/28/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 286XX	Web
I wrote a letter disputing this debt information on XX/XX/2019 after having receive threatening aggressive collection call for the first time on Saturday, XXXX XXXX about the debt. Second, I receive a letter from same company dated XXXX XXXX that was dated XXXX XXXX. I requested the company for valid proof. The company mails me bills and does not provide proof of a signed agreement or other verification that this bill was open by me. Which this bill is incomplete, incorrect and I do not owe this company I never established service with this company.
03/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
In XXXX, i was checking my credit report and notice an alert XXXX collection debt in the amount of {$560.00}. I believed it was send to XXXX XXXX credit bureau on XX/XX/XXXX from XXXX XXXX and Credence resource management LLC. On XX/XX/XXXX I send letter to XXXX, the collection agency and the 3 credit bureau XXXX send me monthly invoices but no validation that I ope any account with the company I have been with the same phone company for the past 10 years ( XXXX ) AND MY NUMBER IS STILL THE SAME I do not have any past or current account with XXXX
06/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	FL 33176	Web	Older American
Last XXXX 2015 XXXX of their staffers called me in representation of XXXX to settle a balance of {$150.00} that I had with XXXX for XXXX services. Nevertheless the evidence shows Credence Resource never paid XXXX that balance because XXXX kept sending me letters for no payment despite I submitted confirmation number of the payment I got from this debt collector. Recently I had to pay {$150.00} to XXXX to restore services. The amount paid to CR was {$73.00} on XXXX XXXX, 2015 and the confirmation number is XXXX. So that I ended up paying {$220.00}.
12/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44146	Web
A few days ago Credence resource management put a account on my credit report before I was ever giving any physical notification of the attempt to collect this debt that is a violation No information given regarding account. Violates federal 15 USC 1692g ( a ) and 15 USC Section 1681. I never authorized or given permission for this to be reporting. This account had already been removed from my credit report once because it was a fraudulent account. This is a violation of 15usc 1692 ( a ) this is harassment and they are hurting my credit reputation
09/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72209	Web
I had a debt with XXXX XXXX from XXXX. They sent the collection to XXXX XXXX. I paid the debt to them in XX/XX/XXXX. They sent me a letter confirming collection was paid. I also asked them to remove and they removed the debt collection. Now a Credence Resource Management company is trying to collect XXXX for XXXX XXXX. I do not and have not had direct tv. I have never heard of this company and I don't have any letters from them. However, they have significantly impacted my credit score with putting this already paid collection back on my account.
07/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94550	Web	Older American
We changed phone companies, XXXX XXXX XXXX sent a bill saying we still owed them {$25.00}. I emailed them for an explanation, they said it was a mistake dont worry about it. I kept checking my account there & they continued to show a {$25.00} balance. I contacted them several times & each time they said not to worry about it because we did not owe any amount. Now we received a letter fro XXXX XXXX demanding the money., I have all the correspondence saying we owed nothing. Its only {$25.00} but come on how many people are they doing this too?
05/05/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33458	Web
Re : Credence RM This company was asked by XXXX as well as myself numerous times to remove their claim from my credit report. I owed a balance to XXXX in XX/XX/2017 and I paid the balance in full to XXXX. The company called Credence placed a negative mark on my credit report stating I owed and paid them, not correct. The original creditor requested them to remove this claim. This continues a year later to show up. Credence has caused me damage both in obtaining a mortgage and has cost me job opportunities. This must be removed it is a false claim.
07/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29301	Web	Older American, Servicemember
I received notice from XXXX XXXX that I had a negative report from a collection agency called Credence Resource Management for {$740.00}. I called them and found out that the collection effort was given to them by XXXX XXXX XXXX. I informed them that I had no such debt, and that I had not lived in Florida for 10 years, and did not recognize the address of the XXXX XXXX XXXX service. Credence said that they would send me a package to complete and send back. Interestingly, the social security associated with the debt was my social security number.
10/25/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60639	Web	Servicemember
I received a call at my home for an individual thats unknown to me. I asked the name of the company and I asked specifically was this company a collection agency which from 3 different representatives I was denied a response but was given they cant disclose that and was hung up on. I also called back spoke with a manager XXXX which gave the same response. They refused to disclose the type of company after I asked several times. Also I have told this company which I recognize the phone number and told them not to call anymore because wrong number
08/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 741XX	Web	Older American
I continue to receive calls from a 'debt collection agency ' using the number XXXX. They claim that I have an outstanding debt and they are charged with collecting it. This is simply not true. I have refused to answer the phone and have taken steps to block the call and do have my number registered on www.donotcall.gov. I have gone online and have learned that others have similar complaints. I would like for the FTC to investigate this company for consumer fraud since others may fall victim to this scheme and so that they will stop harassing me.
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77598	Web
After reviewing my credit file Credence is appearing on my credit file. A company that I have never heard of or dealt with. This company has never reached out ton me regarding any alleged debt that they have under my name. They have not given me the chance to dispute the validity of this alleged account. Not only that I am a victim of identity theft and I believe this account is a result of identity theft. I request that this account be block immediately. I have never signed a contract with this company nor any company that Credence represent.
04/03/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95833	Web	Servicemember
XX/XX/2018 paid XXXX XXXX XXXX wireless contract which wireless lines for XXXX and XXXX amount paid {$790.00}. I wanted a prepaid cell phone service which startedXX/XX/2018 I paid {$50.00} for both lines. then i got email bill from XXXX XXXX XXXX that stated I owed {$260.00}. then the bill went up to {$590.00}. I attempted to call XXXX XXXX XXXX and send a fax for a complaint and my issue was not resolved. I spoke with XXXX XXXX XXXX representative who told me to contact the collection agency since my account was sent to the collection agency.
06/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OH 43228	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
06/10/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21220	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
01/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14609	Web
On XX/XX/XXXX, I sent the credit bureaus a letter asking for the debt on my credit report to be validated. On XX/XX/XXXX, the collection agency failed to validate the account. The collection agency, sent a letter which included, the original creditor, creditor account number, Credence reference number and balance. The collection agency failed to connect this account directly to my with a -Proof of your right to own/collect this alleged debt, balance claimed including all fees, interest and penalties, or contract bearing my personal signature.
09/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75229	Web
I repeatedly am seeing updates on my XXXX and XXXX credit reports of an alleged debt of {$590.00} to XXXX reported by a Credence Resource Manage allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.
07/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 392XX	Web	Servicemember
I got a bundle with XXXX XXXX XXXX as of today 's date they never gave me my military discount nor any discount for having multiple services as they advised they were going to do when I signed up I gave them a copy of military id card and advised them on numerous occasions that I did not get the discount for having cell phone home phone internet I am still waiting on the correction to my bill. XXXX XXXX XXXX advised they were working on it but after several months not one discount had appeared on the bill as agreed when I got the services.
03/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32818	Web
Again, Credence Resources Management LLC is again playing games and harassing me. We have already been over this issue. Please see earlier complaint. I don't know what is wrong with those people but they are not going to comit a federal crime, then act like everything is okay. I was attacked by XXXX XXXX XXXX XXXX dogs because I was trying to get money owed to me for belongings I was being forced to sell to address the same issue. They want {$150.00}! Well I guarantee that XXXX XXXX attack is gon na cost them a XXXX of a lot more. Ha. Ha.
12/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53186	Web	Servicemember
I have faxed over documents to Credence Resource management on XX/XX/2022 for a debt validation for {$2800.00} per the Fair debt collection practices act, 15 usc 1692g. I requested they office provide me with competent evidence that I have any legal obligation to pay them. They have failed to provide me that information, instead they provide what looks like an old bill from an unknown address. They also failed To stop telephone contact after my cease and desist to stop phone call attempts. Documents are attached of what I sent company
05/12/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75006	Web
On XX/XX/XXXX from the phone number XXXX XXXX XXXX I called to inquire regarding the multiple harassing calls Ive received from this company. First a woman by the name XXXX XXXX proceeded to ask for identifying information without the mini XXXX After clarifying on my own on the purpose I asked her for the statutory requirements to verify. She demanded a full social security number and would not accept my date of birth as sufficient I then called back on a different phone XXXX XXXX XXXX and a Male XXXX XXXX again demanded a full social.
09/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33139	Web
Credence Resource Management , LLC ( https : //credencerm.com ) calls every day and requests that I provide my social security number and address in order to resolve a supposedly outstanding debt related to a healthcare expense from earlier this year. The referenced expense was fully paid on time through my health insurance provider and no debt was ever owed. This is clearly an attempt to steal my identity and possibly to scam me into making payments to them. Phone numbers used : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
08/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01843	Web
I received a letter from Credence in regards to a XXXXXXXX XXXX XXXX account with an amount of XXXX. This account is not mine the address on the billing receipt is not my address nor has never been my address XXXX XXXX XXXX, XXXX, Ma XXXX. This account has claimed to be validated I received some fake signatures that are not mine. This account is not mine I requested this debt be sent back to the original creditor based on inaccurate information reporting under my name and doing DAMAGES to my reputation with false claims against me.
04/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08701	Web
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
06/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08060	Web
I filed a dispute with XXXX In XX/XX/2020. I was requesting that a collection account be removed from my report. The collection company is Credence Resource Management. I informed XXXX that I had no knowledge of this account. XXXX decided in my favor and deleted the collection account from my credit report. A short time later, the same collection account was re-added back to my credit report. I disputed this account again in XX/XX/2020 and XXXX decided against me this time and the collection account remains on my credit report.
12/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Web
I sent a validation letter on XX/XX/2020 and mailed it certified. I tracked the letter and noticed that Credence received it on XX/XX/2020. On XX/XX/2020 I realized I had not received a response so I called to request removal of this negative remark on all three of my credit reports. The request was based on the Fair Credit Reporting Act, which says companies have 30 days to investigate disputes and if they can not verify the information within the 30 day time frame, they must delete all of the disputed accounts from my report.
06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 33064	Web
First time I ever heard from them.was when my manager told me at my job they called and said if I didnt call them back I would have to talk to a judge and they have called all my family members I never received any notice of this and they refuse to send me any paperwork in the mail last.time I asked for any proof they were rude said whats the use you will never pay this they call friends of mine that I used to live with and just veey rude I want this to stop any help would be wonderful thank youCredence Resource ManagementXXXX
12/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17552	Web
I received a call from credence consumer credit end of XX/XX/2020. While speaking to representative she mentioned amount owed and if needed to wait until I got my check book to pay. Didnt ask reasons for call. My response was I am disputing this charge. Representative took my information and assured me it will be looked into. IT WAS PUT ON MY CREDIT AS COLLECTION THAT DAY!!! No more correspondence at all other than my dispute it with credit bureaus. I can pay but do not owe this. I am being charged for services I did not use.
11/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web
XXXX XXXX XXXX calls me regularly, at least once per weekday, from a variety of phone numbers so that no one harassing number can be blocked. They almost never leave a voice mail message. They refer to me using a maiden name I have not used legally in over 15 years. I do not owe any debt. These calls are pure harassment. I have received no mailings, email, or other proof of whatever debt they are alleging that I owe. Recent calls from various numbers include : XXXX from XXXX XXXX from XXXX XXXX from XXXX XXXX from XXXX
01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98532	Web
XXXX, XXXX and XXXX XXXX have trying to collect amount of {$460.00} from me over past XXXX XXXX. I am disputing again since XXXX XXXX XXXX filed derogatory collection at XXXX in late XX/XX/XXXX. The previous debt collection in same amount filed in XX/XX/XXXX was resolved in XX/XX/XXXX after I disputed with both XXXX and debt XXXX. XXXX said my account was no longer there, and it was XXXX XXXXXXXX fault to file at credit agencies. I just wish XXXX XXXXXXXX do the right works, and stop harm consumer and honorable individual.
09/11/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80917	Web
XX/XX/2021 - was contacted twice, once at XXXX and again at XXXX. Answered second call and asked agent what company she was with, she refused to provide that information until I verified my information with her. This company calls me multiple times a day, 7 days a week as early and as late as they are legally allowed to do. I've asked for the calls to cease, the company has my mailing address, and they continue to call despite this. Agent also refused to give an address to send a cease and desist letter to upon calling back.
05/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AE XXXXX	Web	Servicemember
XX/XX/XXXX I moved to XXXX as an active XXXX XXXX. I had my XXXX XXXX XXXX phone put on a military hold XX/XX/XXXX at XXXX by person email XXXX account number XXXX, case number XXXX. I made sure to get all the information because this has happened to me when I moved to XXXX in XXXX. I have not been back to the XXXX since XXXX, so I needed the service. This is typical for military members moving overseas. No service member should continually have to pay money for rules and regulations these companies have on their contracts.
04/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11590	Web	Servicemember
A debt collector ( credence ) called my cell phone telling me that I owe money but when I called XXXX XXXX XXXX ( orginal phone company ) I was informed that I was not put in debt collections. I called back the collection agency who called me and they were telling me that i need to call XXXX on 3 way. I informed the representative that I am not calling XXXX on 3 way but i will inform FTC about their agency. Debt collection agency and representative : Credence resource management LLC XXXX XXXX-XXXX Telephone company : XXXX
12/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92677	Web
XXXX refused to cancel my service after I spoke with them back around XX/XX/2016 when my bill increased without being notified. I paid XXXX additional months at the increased billing then I stopped my credit card auto pay. My email requests to XXXX to cancel my service were never replied back. XX/XX/2016 I received early Termination and XXXX Non-return fee, rather this is more of an extortion payment demand {$140.00}. XX/XX/2016 I received a demand payment from 'Credence XXXX XXXX XXXX XXXX demanding {$150.00} for XXXX XXXX
06/28/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 851XX	Web
Im out on my own now my life doesnt always involve an extra XXXX $ to just throw around. I have bills and I pay on this joke of a bill when I can XXXX XXXX should be FREE! I last paid on XX/XX/XXXX and im being sent to collections and its only the XXXX of XXXX? I pay rent/utilities, insurance and other necessary bills. When I can pay on this I do but the continous harrasment is extremely frustrating. For a XXXX XXXX XXXX its ridiculous how ive been contacted every 3 days or so. I pay when I can afford to end of discussion.
01/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27546	Web
XX/XX/XXXX - Requested validation / disputed the debt XX/XX/XXXX - Received notification of pause while they validate XX/XX/XXXX - Received notification of continuation of attempts to collect this debt, but they did not provide validation that is the standard and required according to the Fair Credit Reporting Act. A front bill page with my name on it does not validate that this is my account, nor that I agreed to such an account. According to the FCRA they must provide me with a hand signed contract to validate this debt.
03/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31768	Web
continued claim XXXX pursaunt to 15usc1692g ( XXXX ) - dispute debt & 15usc1681i-procedure in case of dispute accuracy- I the consumer am aware that all collection must stop an be deleted from my consumer report while debt is in validation. HOWEVER THIS ACCOUNT CREDENCE RESOURCE MANAGEMENT LLC IS STILL ON MY CONSUMER REPORT WHILE THE ALLEGED DEBT IS IN VALIDATION. WHICH IS A VIOLATION OF THE XXXX AND THE XXXX THE REPORTING AGENCIES ARE ALSO STILL REPORTING IT ON MY CONSUMER. ACCOUNT- CREDENCE RESOURCE MANAGEMENT # XXXX
02/10/2022	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	SD XXXXX	Web
I am currently in negotiations with XXXX through XXXX. I have been getting spam calls lately from some odd numbers and some as late as XXXX XXXX XXXX I look through my XXXX credit report and I see 2 credit entries, one from XXXX and another from Credence XXXX XXXX. I am currently trying to repair my credit reports and going to hopefully have my first time home ownership in the next year. I am currently awaiting on XXXX through XXXX on their settlement offer. Also I did report these credit entries to XXXX at this time.
01/28/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NM 87123	Web	Servicemember
I requested your assistances on a collection company filing a debt. That was off my credit report. However, the company just found a new collection company to seek the debt. Credence Reference XXXX On behalf of XXXX {$1100.00} This company wants me to dispute their offer or settle at {$640.00} I provided the stolen merchandise and reported to XXXX to blacklist the IMEI. This debt was cancelled. But continuously resurfaces. Please assist me as I've been dealing with this problem for two years. Thank you XXXX XXXX
07/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34472	Web
On XX/XX/2021 I contacted consumer reporting bureaus asking for verification of alleged debts associated with my consumer files. I received a communication from a debt collector who wasn't given prior consent to contact me and who I've never spoke to or created any alleged debt with. The communication that was sent to me was validation of the alleged debt and not verification of the alleged debt as I requested. I have attached documentary evidence with this complaint along with the violations the debt collector committed.
05/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AE XXXXX	Web	Servicemember
i was viewing my credit report for the first time during the month of XXXX. I saw that the collection company Credence Resource Manage was reported as debt from them for the amount of {$730.00}. Then i proceeded disputed the debt on the account. After XXXX did an investigation on the the said debt the result was '' Account information disputed by consumer, meets FCRA requirements '' for which i don't know what that means because i have not received any previous notice concerning this debt nor have i been contact at all.
05/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32708	Web
I have been disputing the following debt " CREDENCE RM '' aka " XXXX XXXX XXXX XXXX '' for over 120 days and have sent 4 rounds of dispute letters stating that the unverified items is in violation of federal law and is being reported incorrectly on my credit report. They have yet to show or provide me with any proof that this debt belongs to me. The first dispute was sent out on XX/XX/XXXX the second rounds of disputes was sent out on XX/XX/XXXX, the XXXX on XX/XX/XXXX and the final dispute was sent out on XX/XX/XXXX.
02/07/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53095	Web
Beginning on XX/XX/2022, " Credence Rsrc '' began to make repeated calls to my cellular number, which have continued to the current date. I have not answered a single one of these calls, but due to their persistence decided to research the name online to find out it is a collections agency. I am in possession of no debts, and have no reason for such a business to be contacting me. I do not know for what proported debts they want to contact me over, but I know that whatever claims they are working off of must be false.
10/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78253	Web	Servicemember
About ever six months Credence Resource Management LLC working for XXXX they keep calling my XXXX XXXX XXXX work phone try to collect a debt on another XXXX XXXX and I keep telling them it is not me and please take me off their call list. I give them my full name and last four of my ss #. But they will not give me any information because I am not the XXXX XXXX they are looking for! And every 6 months it starts over! this has been going on for about two years! The company name is Credence Resource Management LLC # XXXX
08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web
I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33165	Web
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
05/24/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76502	Web
In XXXX they had called my wife numerous time at work and was instructed she cant get personal calls at work. They continued to call her there at work three times a day and once they did contact her they cont. to keep calling we requested for the to stop all communication due to manner they were handling things. XX/XX/XXXX We received a call again with a guy that stated we never requested it for all the numbers and that they had all the proper documents and then processed to start yelling at me and being very nasty.
10/17/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	WY 82009	Web
The person who called me representing Credence debt collectors refused to tell me the company name unless I gave them personal information. They wanted my name, addresses, and phone number before they'd tell me the company or if they were a debt collector. They were a call center in XXXX that was calling on behalf of a company in the XXXX. I repeatedly asked who they were calling on behalf of. I was transfered to a " supervisor '' who also refused to answer any questions without me giving him sensitive information.
10/28/2020	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	NY 113XX	Web
Credence Resource Management , LLC calls my number from 6-8 times per day, during hours that are not allowed and even on weekends. They are rude, aggressive and insistent even when told Im at work and unavailable. They have become a constant annoyance to my sister, who takes care of my special needs child while Im at work. The harassment needs to stop. They outsource work to employees in different time zones, so there's absolutely ZERO respect/consideration for the Eastern time zone and when theyre allowed to call.
03/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	CA 92545	Web
This phone number as well as sister numbers as XXXX and XXXX that are continuously calling me. I have told them to stop and not to call me I have tried blocking them but they are still calling me. They are saying they are a business called Credence Resource management. I've razed reviews and everyone is identifying them as scammers. I have told them repeatedly that I know they are scammers and that they need to stop harassing me. I have informed the federal trade commission and filed a complaint with them as well.
09/16/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 38133	Web
I received a letter in the mail from Credence Resource Management who is allegedly representing XXXX XXXX XXXX XXXX the letter stated this was a attempt to collect a debt. According to federal law I'm not obligated to any debt in which, I responded to them in a affidavit of truth. The balance was shown in the positive for XXXX. I assumed this was a check or money that was owed to me for by law I can not pay on a positive balance. They also were in violation of several federal laws that I placed in the attachment.
08/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19149	Web
I am disputing account number XXXX with Credence Resource Management since I have mailed quite a few dispute letters to the credit reporting agencies and it comes back verified every single time. They are declaring that I owe {$1900.00} to XXXX on my credit report. I have contacted Credence Resource Management to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
04/19/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78254	Web	Servicemember
Debt collector by the name of Credence calls me repeatedly after telling them to stop calling they call multiple times a day even after hours. It was for XXXX XXXX cancellation. I was going through a divorce and when I moved out I had to cancel services. I have not received communication via mail only repeated phone calls. I had payment arrangements through XXXX XXXX XXXX but they still sold debt to collections. I am in the process of disputing debt with XXXX XXXX credit repair. Credence calls approx 7x a day.
11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 752XX	Web
My account with XXXX went to collections, and in XXXX, she settled the debt with Credence Resource Management. We have begun receiving additional calls from different collections agencies alleging that there is a remaining amount of the debt that needs to be paid, which is false. We have contacted XXXX who advised that they received no information regarding the settlement with Credence. A manager with Credence, XXXX XXXX, advised today that " we are not the only people calling regarding this issue with XXXX ''.
11/03/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30087	Web
Credence Resource Management , LLC got and shared my personal information without my consent. They damaged my reputation by saying that I owe a debt that is not minds. They obtained my personal information without my consent and shared it with the credit bureaus and caused harm to me. They are also trying to coerce me into paying a debt that is not minds. They are also infringing on my intellectual property. They do not have the write to use my name XXXX XXXX. That is my personal property ( XXXX filing XXXX ).
07/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94121	Web
Credence Resource Management LLC is attempting to collect {$140.00} on debt not owed, allegedly on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX phone bill was paid in advance and subsequently terminated prior to completion of the service. The amount of {$140.00} represents the refund due for services not rendered on the advance payment. Credence has made multiple derogatory claims with the three credit rating bureaus, which have been removed. However, Credence files these claims again each time they are removed.
07/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33068	Web
I keep on receiving callas about a debt that paid by XXXX. I submitted proof to this debt collector that this was paid and that I was in fact covered under XXXX during the time of her service. They continue to call me 5 times a day every day. It is abusive and they have the incorrect information. This bill was for my daughter. Please have them stop calling me. They never sent me a debt validation letter as requested.At this pointy I believe this is fraudulent and they are trying to collect money that was paid.
07/13/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33144	Web
1. Representative did not verify with me the information they have on file. 2. They refused to tell me WHO they were calling 3. Told me they would not look anything up until I have them my social security. 4. When I refused their fact-finding tone turned to abrasive ness 5. I told them that if they didnt verify what they were calling about I would consider their calls fraudulent. 6. Call from XXXX & XXXX ( XXXX XXXX FL area code where I have family ) Credence Resource Management 7. Its a call center in XXXX
05/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33168	Web
Hello, how you doing today.. this company Credence Resource Manage is doing fraud.. i seen they posted on my credit, first of all i live in XXXX florida ... this fraud company is in XXXX, i have no reason or interest over there. they are a XXXX debt collector.. buy accounts for bulk and try to make income ... to repeat i never had tmobile and this fraud company say i did ... simply ask them send the original contract with signatures if they cant provide that remove this fraud and how they got my information
11/29/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08096	Web	Older American
I'm XXXX years old. Purchased a cell phone from XXXX XXXX XXXX. I maybe make about 3 phone calls a month because I have a land line that I always use. The most I could use the service is for 1 month. Now that has escalated into a charge of $ XXXX.Apparently the collection agency added on alot of money. I tried to settle for 1 month of bill but they refused. They won't send a statement because they Credence is of over charging me & taking advantage of my age. I will NEVER pay {$460.00} for 1 month of service.
11/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35007	Web
Unknown to me, XXXX XXXX XXXX XXXX sent my closed account to a collection agency, Credence Resource Management, LLC. XXXX XXXX XXXX had not informed me of any bill due. I had no idea. In the meantime, Credence Resource Management calls me over a XXXX times a day from different phone numbers. They do n't leave messages and when I answer they will not tell me what the call is about. I asked and they said they could not disclose. These people have called day and night, weekends, evenings, mornings, at all times.
05/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62703	Web
Credence Resource Management This company has added debt to my credit report in the amount of {$640.00} to XXXX XXXX XXXX that I do not owe and never open to begin with. when I called this company they couldn't tell me how much I owed they ask me to tell them. They also ask for social security number and never gave this information to them because I googled them and they have XXXX reviews claiming these people are scammers I hanged the phone up. This company is messing with my credit and needs to be stop.
06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 481XX	Web
I was notified of a new line of credit on my credit report. It was from Credence which is a debt collections agency. I contacted them to see what it may be from and was informed that I owed XXXX XXXX XXXX XXXX {$1800.00} for devices that were purchased in XXXX of 2022. I have never had an XXXX XXXX XXXX XXXX account or used them to purchase devices. I was provided an address in XXXX, MI and phone numbers by the credit reporting agency that did not match my information currently or at the time of the theft.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77090	Web
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
12/09/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93535	Web
Credence Resource Management representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 3 months. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$810.00}.
11/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91423	Web
When I changed my XXXX XXXX XXXX XXXX satellite service to streaming ( XXXX now ), I was told I had a XXXX balance because Id stayed with the company. I started to receive bills for {$110.00}, and I called customer service each time ( about 4 altogether ). I was told each time that there was no balance on either my past or current accounts. Today I received a bill from Credence, a debt collector for {$110.00}. Ive spoken to many XXXX XXXX XXXX, XXXX reps who ALL told me that I did not have a balance.
04/18/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 754XX	Web	Servicemember
XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times XX/XX/2023 Called 5 Times Calls on Saturday 's and Sunday 's and when I attempted to discuss the debt, I was cursed at and told I was a XXXX XXXX XXXX XXXXXXXX because I could not afford to pay the bill. I tried explaining it was due to a divorce and is my ex-spouse responsibility, but was told they hear that every day and just didn't care for any excuses. I have no idea who they are collecting the debt for, as I was never notified the debt was sold?
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 349XX	Web
XXXX XXXX Account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX Account # XXXX have blatant inaccurate information and according to the FCRA statute 15 U.S.C . 1681s-2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
09/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37912	Web
I noticed a new collection on my report as of XX/XX/2022 for a collection that is already being collected by XXXX XXXX for the same amount from the same creditor. I contacted the credit and also disputed the debt due to duplication and not receiving notifications about the debt in order to dispute it. So far I have not received any communication written, email, or any other type including phone calls regarding the debt. The company without any warning placed a collection on my credit without notifying me.
01/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33414	Web
On XX/XX/XXXX XXXX placed an account on the collection which I quickly disputed, and a resolution was achieved. All negative items relating to XXXX and XXXX collection were removed. On XX/XX/XXXX another collection agency place the same collection item for the same amount, same creditor but new date. This is illegal and it's hurting my credit report. They must remove the account asap as it's not mine and I already proof such once. I want a letter from them removing such items from all credit reports.
07/05/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 454XX	Web
I have been receiving phone calls from the same debt collector for over 2 months with repetitive phone calls everyday even on the weekends. I receive 3-4 phone calls a day, starting at XXXXXXXX XXXX - XXXX XXXX and I have continued to receive them even after asking the company to please stop calling so much. I dont care that they call its the fact that they call all day long asking the same questions as if the person before didnt note the account. Im so frustrated with this continuous bothersome calling.
04/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94533	Web
I called credence on XX/XX/XXXX. I stated I filed chapter XXXX and was discharged on XX/XX/XXXX and its almost been a year I dont know why they have not informed the other company and took it off. The rep stated that they have not heard back from my lawyer or judge to confirm but its in there system for chapter XXXX. It felt kind of odd because when I call debt collector they ask me for the the date and discharge number which I give them. It takes normally a couple of days or a week before it is removed.
08/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
Is reporting this unknown debt to all 3 credit bureaus and I have no knowledge of the debt. I was too young to even know how to even sign up for an account with this company when it was first supposedly to be opened in my name. CREDENCE RESOURCE MANAGE Last reported XX/XX/XXXX {$780.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX
12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28376	Web
This company has reported this debt as being owed to the credit bureaus. I have never had an account with this XXXX company. There was another company that was reporting this same debt and I informed them that it was not my account and they removed it from my credit report. This current company has reported to XXXX THREE TIMES this month that money is owed and that is not true. I have not received any communication from this company AT ALL! Please remove this account from all of the credit bureaus ASAP.
06/09/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CA 952XX	Web
im writing this complaint on regards of the unfairness and unjust findings on my consumer credit report. I have filed a complaint with the XXXX XXXX XXXX and they have confirmed indeed that I am not liable for this debt, and I would like it to be removed from my consumer credit report as soon as possible as I feel that the bureaus are using a tacit to leave the negative information to be reported longer! if you could take a look at my attachments you will find my claim to be more reliable and truthful.
11/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30223	Web
Recently, a collection agency named Credence started reporting a {$9000.00} collection account on my credit report. I have no outstanding balance owed to anyone that equals that amount, so I wrote to Credence Resource Management on XX/XX/XXXX, and asked them to remove the error from my report. I also asked, if they beleived the debt was legitimate, to send me a detailed itemization from the original creditor, to verify the debt. Well over 30 days have passed, and this collection agency has done neither.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70380	Web
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. Credence Resource Management is reporting I owe a debt of {$170.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
04/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web
Credence Resource Management is attempting to collect on a debt that was already proven to be fraudulent by both XXXX XXXX XXXX and a previous debt collector. The account date is inaccurate, the debt was already pulled off my credit report by the previous debt collector, and now we have credence resource management repeatedly posting negatively towards my credit and attempting to collect said money from a fraudulent charge. Company has never contacted me at any point, not via email, mail, or telephone.
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77407	Web
I have disputed information on my credit report with Credence beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. XXXX has continued to report this invalidated information with is a direct violation of the FCRA. Credence has continued to report this invalidated information as well.
03/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60605	Web
I noticed on my credit report a collection notice from CREDENCE RESOURCE MANAGEMENT for a XXXX/XXXX XXXX XXXX charge that I did not recognize. I contacted Credence about this charge they said it was about a XXXX account ending in XXXX, which to my knowledge was paid in full. I contacted XXXX and found that the amount that credence resource management was claiming was already paid in full, and should not be reporting any owed debt. XXXX / XXXX ACCT # XXXX paid in full with payment : CONF # : XXXX
03/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 315XX	Web
As of XX/XX/2023 I were charged a settled debt in the amount of {$1100.00} by an unknown debt collection agency " XXXX XXXX XXXX ''. The company has never attempted to make contact about the debt and should not attempt contact ot charging my credit report in a negative manor for a resolved debt. I have no knowledge of this creditor and I've disputed this debt on numerous occasions but creditors keeps selling the debt and charging my credit report to the point of having to invest into a locksafe file.
02/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70817	Web
XXXX XXXX has sold a debt to two separate companies, that have both reported to the credit bureau 's and negatively affected my scores. I did not receive a debt verification letter from either collection company at all, or within 5 days of first contact. I am attaching proof of the DOUBLE REPORTING that entails the name of one of the companies, Credence Resource Management. Please have them remove the collection account from my credit report and cease all attempts to communicate with me. Thank you.
01/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75041	Web	Servicemember
In XXXX of 2022 I started receiving harassing phone calls daily from a collection agency on behalf of Att mobility. However I do not owe them anything. I actually have proof of them owing me and having to refund my husband 's account. I disputed this through XXXX and weeks later I received notice that the account was removed/deleted from my credit report. This was in XXXX of 2022. In XXXX of 2022 I received notice that this so called debt had been added to my report through another collection agency.
08/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98022	Web	Older American
My wife received a bill from a collection agency. Credence XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Phone XXXX for {$110.00}. The payment was to be Remit to : Credence Resource Management LLC, XXXX XXXX, XXXX, XXXX XXXX. Name : XXXX XXXX Creditor : XXXX XXXX XXXX Creditor Account No : XXXX Credence Reference ID : XXXX Balance Due : {$110.00} XXXX nor I have had any XXXX service in over 2 years and never received any bill. Our Insurance covered that XXXX service at the time. XXXX XXXX XXXX
12/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web
There is a negative remark om my credit from Credence Resource Manage in the amount of {$540.00}. I have repeatedly disputed the debt with the credit Bureau as well as here and because of the validity of the debt can not be verified nor do I owe Credence Resource Manage. I have requested that such erroneous information be removed from my credit. I do not owe Credence Resource Manage and I do not have a contract with the mentioned creditor and request that the negative remark be removed immediately.
09/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34243	Web
XX/XX/2016 A man called from XXXX phishing for my XXXX child 's personal information which included personal health information. He kept pushing for my sons social security number, address, and medical information. Names of relatives, and who his guardian was. I refused to disclose this info. He stated that this bad debt was on my sons credit report.Demanded my sons PII. I later contacted the company after receiving a letter about the debt in question. The have bought and sold my minor childs info.
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93307	Web
On XXXX XXXX I sent in a letter of validation to Credence Resource Management. I was asking for validation of this account I NEVER said it was fraud. They sent me fraud packet WHY??? Is this their way of prolonging doing their jobs? I am trying to fix my credit and this is just a stall tactic on their part. So now I have to spend more time fighting this over their mistake. I have attached the letter I sent in XXXX and the fraud packet they sent me you can clearly see I DIDNT ask for a fraud packet
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11207	Web
on XXXX/XXXX/2016 I pulled up mu XXXX Credit report and found a collection debt under XXXX ; Original Creditor ; XXXX XXXX XXXX {$520.00} ; I ask them to verify the debt and they just deleted from the Credit without notify me. Them in XX/XX/2016 I found that the same debt is now been placed on my XXXX Credit Report under a diferrent Colection agency, Credence ; I also asked to verify the debt and the just mail to me settlement offer letter. I 'm attaching all the documentation to proof my request.
04/23/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	RI 02904	Web
So far I was not getting any letter from this debt collector Credence resource management since XXXX. Now I just got the letter again in the mail today on XX/XX/XXXX I do not lease anymore from t mobile I want this disputed Right now!. I can not afford to pay the {$1500.00} Im no longer leasing from XXXX XXXX They keep harassing me. I do not have the rights to pay this. I want this to stop immediately I will take this into legal actions If THIS DOES NOT STOP. I only have one job and I am on XXXX.
05/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95677	Web
I have called the multiple times to try and pay ( forgot the day but on 2 separate occasion ). Instead of talking to me when i gave them their account number they asked for information such as my social security which i have not given them nor have given them any right to that information. XXXX XXXX XXXX shared my social security with this company and now they are claiming that there was fraud on my account and want me to put in writing to them all of this information which i have refused to do.
02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60631	Web
Credence Resource Management has placed a fraudulent account on my credit for {$220.00} as a collection account in XX/XX/XXXX. I have verified with XXXX XXXX directly that this account was opened and closed in XX/XX/XXXX. I have reported this to Credence and the credit bureaus and advised that Credence is violating the Fair Debt Collection Practices Act by placing a 10 year old account on my credit. My credit was damaged severely by this and this company doesn't care they are violating the law.
06/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31024	Web
Looking at my credit report I see a collection from credence resource management for a XXXX XXXX bill, I have no knowledge of having a signed contract with XXXX. Debt collector can not provide validation of a sign contract with XXXX or with the debt agency they only can provide last bill which does not validate the account, secondly o never signed into agreement with debt collector for collections and never received written notice of debt, I want debt removed from ALL 3 of the credit bureaus.
02/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 755XX	Web
I looked on my credit report after I called CREDENCE RM to dispute any knowledge of this alleged debt and it is was on on my credit report which is a violation of 15 u.s.c 1692e ( 8 ) the failure to communicate that a disputed debt is disputed I also have signed a contract with them which is also a violation of 15 u.s.c 1692e ( 8 ) the false representation the use of any business company, or organization name other than the true name of the debt collector 's business, company, or organization.
11/26/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91311	Web
Please don't close this complaint by mistake the previous complaint got closed by your system, I called earlier spoke with XXXX her ID # XXXX she gave me the OK to open a new Inquire against " Credence '' Debt collector for a different Product They tried to collect money from me.This complaint is different from the previous one I filled before because is different product is for Internet and Video Services and the amount of Money is different too. Please see my Attachment " Dispute Letter ''.
07/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92410	Web
Credence keeps calling me for debt collection for XXXX XXXX XXXX. But I called XXXX XXXX XXXX and XXXX XXXX XXXX told me all accounts have been payed and that I should dis regard the calls from credence. Credence keeps calling me and I dont know what to do. The guy in the phone started getting very annoyed with me because I wouldnt pay. It felt like he was harassing me. I was never notified by XXXX XXXX XXXX that I even owe this money. Something doesnt seem right. I feel like Im being scammed.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35404	Web
Credence Resource Management XXXX This collection account was recently placed on my account in which I don't know anything about this company or even as to why the account is so large cause at the moment I shouldn't be able to be extended credit. I believe this is another case of partner identity theft. I dont understand why it's so easy to use people 's information without proper identification. So currently thus is in need of urgent removal. And also can I opt for identity theft protection.
03/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10471	Web
On XX/XX/XXXX I received another Debt collector letter. I called up the same day and stated I never had this account and I want a verification letter sent to me. Instead they send the letter from XXXX to themselves and state it is correct. I then call back and state how can you send my verification letter to yourself if I am the one that has to verify it. I also told them twice this account was removed from one of my other agencies for not being mine. I also sent them a theft ID report
11/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	XXXXX	Web
Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from CREDENCE RESOURCE MANAGE on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in the United States since XXXX ( proof attached ), please delete it from my report
03/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92346	Web
I was contacted by a ( XXXX ) XXXX number claiming to be credence resource management claiming I owed almost 2000 XXXX for an ambulance used XX/XX/XXXX, XXXX almost three years ago. I left all of my information for the hospital to charge my insurance but chose not too. I was never contacted about this, I never received any written information about this. I was never even told I could dispute this debt. I dont have the funds to pay that right now. Please help me! Theyre calling me everyday!
08/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63130	Web
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
10/28/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 239XX	Web
I mailed a letter to Credence Resource Manage on XX/XX/2020 in regard to an account for a balance of {$610.00} negatively impacting my credit reports and requesting a debt validation. This company has not responded to my request. I have submitted disputes through the credit bureaus regarding this debt with no resolve. The account was removed from my credit reports ; however, it was put back on my XXXX credit report. I do not owe this company which is why I requested the debt be validated.
07/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90049	Web
I keep receiving mails from this debt collection agency ( Credence ) claiming that I have an outstanding balance with XXXX XXXX XXXX XXXX. I have never have had any account with them ever. they try to blackmail me for something that I do not know about. they have previously reported this to XXXX and XXXX before which I have provided all necessary documentations and therefore got it removed from my credit report. however they keep sending me more letters trying to send them a money order.
06/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.
01/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29405	Web	Servicemember
I was contacted last year around XXXX by Credence Resource Management, I was told I owed them a balance of {$490.00}. I quickly realized I have never had an account with this company and asked them to verify the debt and send over a wet-ink signature of the contract I signed. I did not get this however I did get it reported on my credit file and it has an open account date of XX/XX/2022. I believe this is when they bought the debt and came after me to pay a debt that was already paid off.
10/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX XXXXX	Web
This account was sold to a third party outside of the consumer transaction and has no lawfully contract. Validation has been requested more than 3 time along with a cease and desist. This collection agencies is now reporting fraudulent credit reporting with which is in violation with several US codes and now a formal complaint will be filed with the Attorney General for non economic damages based on the fact that several complaints has been formally made and the account is still reporting
12/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92110	Web
This company has been calling both of my phone numbers repeatedly, daily. Today they called my phone number 8 times, when I answer the phone there is no one there. I finally waited 4 minutes tonight to actually speak to the person calling. They could not tell me where they were calling from or speak understandably at all. They have been double dialing, I get multiple phone calls back to back. A week ago I asked them to send me information about whatever debt I owe and they hung up on me.
08/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33707	Web
I have sent a total of four letters to the company to ask for verifiable proof ( original Consumer Contract with my signature on it ) however the company has failed to do so. The company has only sent me a bill statement as verified proof. I do not have a account with XXXX XXXX XXXX. My first letter was sent on XX/XX/2021. My second letter was sent on XX/XX/2021. My third letter was sent on XX/XX/2021. This company is reporting inaccurate and incomplete credit information. Please advise.
05/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 310XX	Web
Credence Resource sent me a bill in the mail telling me out I owed them {$120.00}. I have no knowledge of this account. I sent Credence Resource Management documents requesting validation of debt pertaining to this account. They received the documents I sent onXX/XX/2021 at XXXX XXXX. Credence Resource Management sent me back statements from another company. They did not send me what I asked for. I have attached the documents that I sent to Credence Resource and the certified receipt.
10/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85251	Web
I have been called several times a day everyday about a medical debt I know I paid. The calls come from Credence Resource Management at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX. The phone numbers they use change everyday. The last four from just today and yesterday have been XXXX, XXXX, XXXX, XXXX. Its all Credence Resource Management. I have spoken to them several times and explained the medical bill was paid by a third party. It does not show up on my credit report.
10/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web	Older American
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
10/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	KY 40216	Web	Servicemember
on XX/XX/2016 I reach a settlement with Credence Resource Management LLC . On the same day I sent a certified check for the agreed amount of {$900.00}. On XX/XX/2016 the certified letter containing the check was sign for by their employee. On XX/XX/XXXX, they claimed they employee did not work their and to send and additional {$900.00} dollars. I refused stop payment on check at my bank. Since then I have received numerous phones calls. I feel they should honor their settlement offer.
03/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Older American
If this company is not on your list, they should be. They have numerous complainants. We are unable to send your complaint to the company for a response. We reviewed your complaint and werent able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
12/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 087XX	Web
Credence Resource Management has been harassing me and fraudulently popping up on my credit report for the last XXXX years. I have disputed and resolved it with XXXX XXXX time already, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I am currently disputing it again. The calls are relentless, its becoming harassment at this point. The original creditor, XXXX XXXX XXXX XXXXXXXX, has no record of me or this account in their system. I am at my wits end and I need help, desperately.
08/24/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80022	Web
Credence resource manage XXXX They have been contacting me repeatedly at work, on a work number that isn't in my name. I have asked them several times now to stop contacting me at work, to contact me via mail, to provide me with proof that this is my debt and that they own the right to collect this debt. They state that they are unable to send me anything in the mail unless I agree to a payment plan and that it is impossible for a fraudulent account to show up on my credit report.
02/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32837	Web	Servicemember
Last year in or around XX/XX/XXXX I opened and account with the XXXX XXXX XXXX for my son. This account was open temporary because in order to have an XXXX you must have a major carrier. Then my exwife will pay my son cell bill. I call XXXX XXXX XXXX and told them that I want to change the plan from month to month and then I canceled the account. XXXX XXXX XXXX kept sending this bill for {$50.00}. I DO NOT OWN THIS COMPANY ANY MONEY. collection agency ( Credence XXXX XXXX XXXX XXXX
04/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 902XX	Web	Servicemember
After diligently trying to keep up my credit score, I check my experian credit report and saw a new Debt Collecfion agency, CREDENCE RESOURCE MANA on my report stating that I owe them {$630.00}. This is incorrect therefore I sent a formal letter that this claim is disputed. I have no knowledge of this debt. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this debt collection agency.
05/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32771	Web
Lost my wallet, which contained my social & I.D . in there. I was at a gas station & sat it down for a quick second then the next thing I knew it was gone. This happened back in XX/XX/2018. I reached out to my credit card companies & debit card company for replacement. During those times I never had a credit subscription service to view my credit history. I recently did a thorough check to my credit report and I noticed a lot of fraudulent activities that weren't authorized by me.
05/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63136	Web
On XX/XX/ I sent to credenence resource management a request for a debt validation pursuant to 15 USC 169g to them by certified mail. I went to check the status of the delivery and it said that the address was unknown and the letter would be returned back to me. So I checked the address again on my credit report and that was the right Address they had listed on my credit report. This company is reporting this on my credit report and the companys address to contact them is wrong.
07/12/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92154	Web
Excessive harassing calls to all my phone lines. I have XXXX lines and they call XXXX of those lines at least once a day. My daughter is special needs, they call her asking her questions. She was brave enough to tell them to stop calling a special needs person. They keep calling, she doesn't answer. They call my XXXX mother, who does not speak XXXX, who is XXXX as well. It is too many calls everyday. They need to stop immediately. They use different phone numbers to get through.
11/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89106	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48197	Web
I paid XXXX XXXX XXXX {$200.00} in cash. They applied to the wrong account. I provided written evidence of the mis-application and XXXX XXXX XXXX acknowledged in writing they had made a mistake. I have called them 32 times without resolution and they are still reporting the {$200.00} due on my credit report causing material harm to my credit and preventing me from obtaining credit I would have otherwise obtained had their improper collection had not appeared on my credit report.
07/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 364XX	Web
Credence Resource Management has made attempted attempts to collect on debt that does not exist with my current mobile phone provider. CRM is refusing to release information unless I release PII to an unidentified resource. All accounts are current and there are ZERO late/missed or defaulted payments on my credit. I can provide full payment history on account. I would like to proceed with any legal action at my disposal through or in partnership with any government organization.
02/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30122	Web
Credence Resource Management has called me repeatedly at my place of employment after I have asked them to remove my work number from their call database. The representative continues to try to talk to me and sometimes escalate their voice trying to talk over me. In addition, the representative asks me to confirm personal information prior to disclosing the company in which they are calling from and about. Not only is this annoying, it seems to be a violation of my rights.
09/02/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11226	Web
My father attempted to clear a debt with a collection agency. They informed him that he could settle the debt for a specific amount. He received a letter stating that if wanted to resolve the issue all he would have to do would pay the settlement amount. The amount owed was {$1500.00} but to settle the debt. The only amount paid was {$460.00} but my father after paying was threatened that it would negatively effect his credit if he did not pay the full amount of the debt owed.
08/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30253	Web
Credence Resource Management , LLC has placed a collection account on my credit reports in the amount of {$340.00} that I do not owe them. I have never done any type of business with this company. I've never received services, any sum of money, or merchandise from Credence Resource Management , LLC so therefore I do not owe them any money. There is no legal contract that bears my wet ink signature or the wet ink signature of a representative that binds me to this company.
04/22/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 293XX	Web
On, or around XX/XX/2022, my grandfather ( Upwards of XXXX yrs of age ) started receiving phone calls at XXXX EST regarding a debt that does not belong to him. He Has been recovering from XXXX and has other medical issues. I have since called the company and have given them all of the correct contact information. I have also requested multiple times to have his number removed and to stop calling his phone number. They continue to call every single day starting at XXXX am EST.
12/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 701XX	Web
I have mailed and emailed a copy of my police report regarding identification thief to XXXX credit reporting agencies on XX/XX/XXXX. I have requested that false inquiries be removed and asked that my account be locked. As of date XX/XX/XXXX false inquiries were not removed, accounts that were paid in full are still reporting as late/negative, and false delinquent accounts are still being reported on my credit reports. I have sent proof of fraud and nothing has been rectified.
03/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32533	Web
I was looking at my Credit profile and noticed a collection that was not mine. I called the collection agency and asked about and from the debt is from the said XXXX XXXX XXXX. So I called XXXX XXXX XXXX and asked if I have missed any payments the said no I'm in good standing. So I called the Credence and I told them that the debt is not mine. But they couldn't help me or hear me out but just wanted to collect. The debt was open XX/XX/2022 padt due XX/XX/2022. For {$280.00}
10/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38114	Web
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. I believe there may be an error on this collection account. The XXXX and XXXX Credit Bureaus chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
01/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 082XX	Web	Servicemember
I have received numerous calls from Credence Resource Management ( CRM ) in reference to a bill of {$540.00}. When I last spoke to CRM they said the bill was for XXXX. I have never used this service in my life. They said they would dispute the bill. I checked my XXXX report today ( XXXX XX/XX/2021 XXXX to find that CRM had flagged my account for the {$540.00}. I have never received a letter or bill in the mail requesting the {$540.00} ; only phone calls from the company.
09/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90706	Web
- We left the apartment XX/XX/XXXX, XXXX was charging us for XX/XX/XXXX - XX/XX/XXXX usage. - Credence Collection Agency ( copies of email attached ) emailed that they will flag the case back in XX/XX/XXXX and will CEASE all communications regarding the matter. But then I received another bill dated XX/XX/XXXX ( see attached ). -Again this case was a case of identity theft. You may call XXXX Apartments to verify that we left the place XX/XX/XXXX. Their number is XXXX.
09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60653	Web
I have disputed this account numerous times with the credit bureaus as the debt is not mine. XXXX XXXX XXXX is unable to validate the debt for that reason. The collection agency then removed the debt. XXXX XXXX XXXX then gives the debt to another collection agency to collect and it appears on my credit reports AGAIN without notice to me that this is happening. This has been a cycle, and I am needing to pursue a formal complaint so that the debt can be deleted permanently.
05/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75067	Web
I'm getting harrassed daily by Credence Resource Management, located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and ( XXXX ) XXXX. Anywhere between 5 - 10 phone calls a day. They will not stop contacting me even though I've tried to explain that I am not the person they are looking for, nor is the phone number ( my phone number ) registered to the person they claim to be looking for. This has been ongoing for quite some time, so we're talking about hundreds of phone calls.
11/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97128	Web
Debt was fraudulently reported to credit agency, and can not be verified. The company reporting the debt claims they obtained it in XXXX, based on a " previous debt '' originated in XXXX. The company has made no attempt to collect, but has reported this fraudulent debt to XXXX, who then has taken action against my credit. I have never owed debt to the original creditor XXXX XXXX XXXX XXXX ), and this debt is the result of identity theft or fraudulent reporting practices.
08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 604XX	Web
I disputed a error on my credit report with XXXX. A collection agency is attempting to collect a dept that is inaccurate. I was given a generic copy of a invoice with no information on it other then, final balance due. I have no idea what the charges are for and cannot get a itemized bill. My final.bill with XXXX was paid. They now claim I owe over $3000 yet, cant send me a itemized bill. I never received the credits from my phone they were supposed to buy back from me.
12/08/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48221	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Company is NOT registered to do business in the State of Michigan however they are, and have been flagging my account according to the above dates.
02/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46516	Web
XXXX XXXX XXXX had account of mines from XXXX XXXX XXXX, however this account was sent back to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating they now have the same XXXX XXXX XXXX account in their office. I contacted XXXX XXXX XXXX to inquiry about the account, they informed me the account is not in their office and the account has been deleted from the credit bureaus. I have verified with the credit bureaus the XXXX XXXX XXXX remain on my credit file.
12/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 722XX	Web	Servicemember
I contacted Credence Resource Management on XXXX. I spoke with XXXX and Supervisor XXXX XXXX about an XXXX collection that was reported by them on my credit report. I asked for proof of the alleged debt specifically the original application bearing my signature. I was told by XXXX that they would not be able to provide such proof to me. Under the XXXXair Reporting Act this item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
12/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 063XX	Web
Hello, I received an email from XXXX about a change on my credit file. I logged in and saw that there was an account sent to collections to CREDENCE RESOURCE MANAGEMENT for {$1000.00}. It says it was opened on XX/XX/2022 and that the original creditor is XXXX. I have never had an XXXX XXXX XXXX account. I believe someone stole my identity and opened this line of credit using it. I have spoken with XXXX and initiated an identity theft dispute and am awaiting review.
04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11746	Web
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau and CREDENCE RESOURCE MANAGE has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Report : CREDENCE RESOURCE MANAGE XXXX Date opened XXXX XXXX, 2022 Balance {$220.00}
03/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91601	Web
I was in the process of applying for a loan that I need when my credit score dropped. I was alerted that a collection account from Credence Resource Management placed a collection account on my credit for XXXX XXXX XXXX. I have had phone service with XXXX for the past 7 years and I use XXXX for the past 5- so I have no idea what the account is in regard to but I never received a notice from XXXX XXXX XXXX or the collection agency before placing the debt on my credit
09/17/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 716XX	Web
This is I think the 7th debt collection agency working for XXXX XXXX. I have never had an account with XXXX and I am constantly being harassed by these people. This letter says they have verified this debt is mine.How is that?? This has been going on for 5 years now. No one has yet to send me a copy of a contract, no copy of my drivers license. I want to sue for harassment. NO ONE HAS SENT ME PROOF OF THIS DEBT AND I AM CONSTANTLY BEING HARASSED. THIS IS NOT MY DEBT!
04/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60435	Web	Servicemember
It started with a charge from from XXXX. ( XX/XX/2015 ) I sent two phone back to them because they were damaged. I paid my insurance deductible and sent the phones back Via the postal backs they supplied. At first they said they got them, then they sent a bill for them as not turned in. For years we when over and over about this to where a XXXX XXXX bill is now XXXX XXXX dollar bill. The fact of the mater is that some miss place or taken the two phones we sent back.
07/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70001	Web	Older American, Servicemember
On XX/XX/XXXX, I received notice that Credence Resource Management is trying to collect {$1000.00} from a fraudulent XXXX XXXX XXXX account XXXX created in my name that I didn't open. The fraudulent account number is XXXX created on XX/XX/XXXX and closed by XXXX XXXX XXXX XXXX XX/XX/XXXX for non-payment. This account is FRAUDULENT and was created somewhere in XXXX ; I live in XXXX and I haven't been to XXXX nor have I authorized anyone else to open such an account.
04/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
On XX/XX/2021 ambulance service responded to a call from XXXX, I had a case of low blood sugar but I did call them because it happens often in a checkout line. .Ambulance service wanted to medically kidnap me. i declined there service and had to talk to someone and sign off so they would not be liable. Days later I gat a bill in the mail XXXX I LET THEM KNOW I DID NOT CALL THEM AND DECLINED SERVICE. THEY SAID THEY HAVE TO CHARGE ME FOR THE SERVICES THAT I DECLINED.
06/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33150	Web
This debt collection was already deleted and removed off my credit report but some how another company picked this debt up and now reporting it i have had service with at & t the company name thats now reporting this debt is Credence Resource Management address XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX balance XXXX this is not my account i have no knowledge of this account and will like this removed once again and for them to stop reporting this on my credit report
06/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60435	Web
Credence Resource Management is the current collection agency that is trying to collect a debt for XXXX XXXX XXXX that I do not owe. this is the fifth time i have to have this removed from my credit report. This is now harassment. I returned XXXX XXXX XXXX 's equipment witch i have documentation of. I have contacted XXXX XXXX XXXX and they are of no help. Every time I get this removed a month later XXXX XXXX XXXX sends someone else after me for money I don't owe.
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46235	Web
THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER CREDANCE RESOURCE MANAGEMENT FOR XXXX XXXX Original creditor : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES
03/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 391XX	Web	Servicemember
I requested verification of this debt from the company according to the laws and was sent a bill, but no verification that this debt belongs to me. Furthermore, this company and 2 others are reporting to own the same debt on my credit report or sending various attempt to collect letters. I need valid justification and the debt be removed from my credit report if it can not be verified. I have sent proof that this debt is being reported multiple times illegially.
05/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21702	Web	Servicemember
I have been receiving constant calls all hours of the day and night from a collector from Credence RM for an XXXX phone bill that was paid to XXXX more than a year ago. Upon reviewing my credit report they have filed it as a collections from a company under the name of Credence RM. This false claim made by this company has impacted my credit score. I also get calls from the same company claiming that I have won a free cruise. I believe this is a scam of some kind.
05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web
After reviewing my credit report per XXXX, XXXX and XXXX. A degoratory mark was placed on my credit reports..After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	NC 28411	Web
This is identify theft. I do not have an XXXX or Credence Resource Management that we subscribe to, this is not a valid account that we authorized - we only have one cell account other that we use for our business account for cell services and that is all, this account is not authorized by me or my company. This is identity theft I did not order these services and we do not use XXXX for any services other than our company account this is not a company account.
02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63033	Web
I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX I presumed that no proof, nor therefore any such debt, in fact exist with account CREDENCE RESOURCE MANA, XXXX XXXX for {$1400.00}, Account # XXXX. Under the FCRA, unverifiable account must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX has removed account on XX/XX/2021 from my credit report.
01/09/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 33990	Web	Servicemember
In reviewing my credit report found a collect list from XXXX XXXX XXXX send to Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX this account wasn't opened by myself XXXX XXXX or my wife XXXX XXXX XXXX. We have spoke with Credence XXXX and transferred to XXXX at which time we were advised to made a police report and they will send us an information package. The amount of this charge is {$1300.00} this account was made in TX according to Credence
10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29732	Web
Ive reached out to this collection agency who is inaccurately reporting an illegitimate credit item on my credit report, in which is damaging my credit. This debt is no longer owed, as Ive settled it with the original debtor. This collection agency illegally purchased old debt that no longer exists, and now trying to ruin my reputation and credit. I am demanding that this negative item be removed, or I will seek legal action and report this company to the media.
05/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 211XX	Web
Account : XXXX Creditor : XXXX XXXX XXXX I have no knowledge of this debt, when called my social security isnt the number they have on file. I am victim of identity theft and have no knowledge of this debt. I want immediate deletion from my credit report to further eliminate any turmoil to my future. I have no notice to verify or dispute this debt. To eliminate any legal action or further violation of FCPDA or FCRA rights i would like this removed immediately.
09/27/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75189	Web
I receive multiple phone calls every single day that are robo / recorded messages and I am unable to tell them to stop calling me or remove me from their list. I have already attempted to place myself on a no call list, but if I am on it I am not being respected. These calls often spoof area codes similar to mine even though I do not live in that area code anymore, so I know they're fake. Another one that is common is " Credence '' with an XXXX, Tx area code.
12/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 322XX	Web	Servicemember
This debt was paid by credit card I sent them a copy and XXXX a copy, but every time I try to fight this debt, they contact me by sending me a letter and it start over like I never paid it. This been going on since 2018 when I paid this debt. I just did a dispute this month with XXXX, and guess what I received a letter and it starting over like this is the first time. I always pay my bills never had any issues know I have this company that keep harassing me.
01/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19023	Web
CREDENCE RESOURCE MANA You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
11/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98118	Web
I saw I was in collections with Credence Resource Managment through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.
08/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84601	Web
CREDENCE RESOURCE has reported a fraudulent debt in my name to the credit bureaus. I never opened or authorized a XXXX account in my name. They need to remove the reporting immediately from all of the major credit bureaus promptly. My identity has been repeated been used. I filed a police a report due to finding my information being used. XXXX XXXX police department they can retrieve a copy of the police report directly. Report number is as follow, XXXX.
11/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30311	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA XXXX Balance {$850.00}. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
09/04/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30017	Web
When we spoke with Credence we authorized a payment of {$61.00} to be applied towards our balance. Then they tried to set us up for an auto debit in the amount of {$1400.00}. We declined that stating we would need to discuss that before committing to a payment hat large. They then asked again which we declined again before they put a manager on the phone. We declined when he also pressured us. We have since received a charge on the account for {$1400.00}.
11/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33444	Web
Credence Resources Management XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX, XXXX. {$2700.00} XXXX XXXX I disputed this with the credit beaurea as the amount of money that is listed is not owed. I cancelled my XXXX as they were grossly over charging me monthly not according to the monthly agreement. I requested proof showing how and why this was owed from XXXX but never received anything. Now it has been listed with a collection agency and is damaging my credit.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 42301	Web
While looking at my credit report i have noticed that there was a discrepancy in the " account status '' section. Account Name : Credence RM Original Creditor : XXXX XXXX is reporting this account as open. Obviously, an account that has been sent to collection/chargeoff should not be reported as an " open '' account. There is also an inaccuracy with the date of last activity. XXXX is Reporting it as of XX/XX/22 and XXXX is Reporting a date of XX/XX/22.
07/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 349XX	Web	Servicemember
XX/XX/XXXX Credence Resources has reported on my credit a balance of {$470.00} without any notice. I am requred by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit. I deny any ownership of this supposed debt. This is the second company to report on my credit regarding the same amount in which on XX/XX/XXXX and XX/XX/XXXX was removed for lack of proof.
06/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80112	Web
I recently sent a proof of debt validation to CREDENCE RM to validate that the debt they erroneously claim belongs to me. There was no original contract, personal identification, and any other documentation included in their response letter that proves that the debt belongs to me. I want Credence RM to immediately stop reporting this account to the XXXX, XXXX, and XXXX in addition to removing all inaccurate reports made up until now. Account # XXXX
01/27/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92562	Web	Older American, Servicemember
Repeated calls stating I owe a debt. When ask to whom and for how much they ask me for my social security number. According to CA law I requested a written original copy of debt and have never received ... ..they have been calling for over a month, several times a day and refuse to identify themselves or any other information unless I give them my social security number. Their identification on my phone shows up as " Credence ''. This has got to stop!
05/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44112	Web
I canceled my cellular service with XXXX XXXX XXXX in XX/XX/2020, I was contacted in XXXX regarding the debt and have been trying to work with them on settling the debt for a lesser amount, the bill collector has refused numerous tips to settle this debt. I dont feel that I should pay the full amount because I can disconnect the service due to false bills, poor service and them not meeting the standards that they set for when I first got the service.
12/23/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85706	Web
These people started calling me back in early XXXX with a claim that I owed a debt but the information they provide me I told them idk who created this so called debt but it never getting paid. They have probably called me over 200 times from various phone numbers. Back in XXXX they pulled the same thing repeated phone calls from various numbers and it happened in XXXX as well and I had to change my number about 10 times until they got this number.
12/19/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NY 124XX	Web
credence resource management sent a letter to me stating I owed THEM money. after sending CRM a validation notice for them to prove i owe this alleged debt on or about XX/XX/2020 certified return receipt requested. by U.S.P.S I was ignored, now they won't stop calling me and my wife 's phone number and my computer phone number. I have saved all the calls from them and asked them repeatedly to stop calling. the harrasment continues on a daily basis.
09/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89128	Web
There is a Debt with Credence Resource Mana for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
12/11/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 37323	Web
Called my work number saying they are on a recorded line looking for XXXX somebody. Did not identify who they were. There is no XXXX. I called back and they answer as XXXX XXXX XXXX XXXX which is a debt collection agency. They had no business calling my number in the first place without properly identifying this XXXX person they are looking for. I get spam texts frequently to XXXX so I think they are selling my number for more robocalls and texts.
03/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 763XX	Web
Credence Resource Management LLC address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ph : XXXX then payment address is XXXX XXXX XXXX, XXXX, XXXX XXXX Trying to collect on a debt that isn't mine. States the debt is for XXXX XXXX XXXX, however, XXXX XXXX XXXX does not use this agency for collections nor do I have an outstanding bill. When I reached out to XXXX XXXX XXXX they stated this was a scam and to not give them any personal information.
04/12/2021	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 33068	Web
On this date from XX/XX/2021 a company by the name of Credence resource Management keep harassing me with phone calls every day early morning, debt amount of {$380.00}, the old company who bought the debt was XXXX XXXX XXXX which deleted the debt of my credit report cause they had no supporting documentation, here it is this other company is trying to do the same thing to get money out of me CREDENCE RESOURCE MANAGEMENT which I think is unfair,
10/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43110	Web
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX
10/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48911	Web
Credence Resource Management, LLC phoned cell, then home. Asked for last XXXX of my SS #. Say I owe {$54.00} for a cell phone, yet I have never had that cell number. I phoned the provide, XXXX XXXX XXXX, who confirmed I do not have an outstanding balance nor had that cell number. Credence also sent a letter to my home soliciting info. When I called them, they again asked for last XXXX SS #. I think this is a scam and am about to call the police.
12/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
The Following accounts listed, I am unaware of : Accounts XXXX. XXXX XXXX XXXX {$700.00}, account # XXXX [ unverified, This account does not belong to me ] XXXX. Credence Resource Management {$870.00} account # XXXX [ unverified, This account does not belong to me ] XXXX. XXXX {$610.00} Account XXXX [ unverified, This account does not belong to me ] XXXX. XXXX XXXX XXXX {$180.00} account # XXXX [ unverified, This account does not belong to me ]
08/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 46375	Web	Older American, Servicemember
I checked my credit report and found a bill reported written off by Credence Resource Mana on XX/XX/22 in the amount of {$120.00}. I had no knowledge of this bill. I tried talking to the company ( XXXX ), on XX/XX/22. Was told I needed to give them my credit card number to be charged {$120.00}. I had no knowledge of owning any company any money. No bill, no emails, or phone calls. I refund to give them the money and they got very hostile to me.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 371XX	Web
I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency Credence Resource Management with a balance of {$180.00} and an original creditor of XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33703	Web
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
10/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44112	Web
During the week of XXXX XXXX. A creditor by the name of Credence management called me from many different numbers stating that I had a collection with XXXX XXXX XXXX. However after looking over my credit reports which showed no collection and contacting at & t I was told Im not in the system. I contacted XXXX XXXX XXXX fraud prevention and told they sound like scammers. The company also was not able to give me any type of account information.
07/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 151XX	Web	Servicemember
I received a letter dated XX/XX/2020 in regards to a debt that was already removed from my credit report. When I tried calling the number provided, I was directed to a scam phone service using the number XXXX. The debt was originally from XXXX XXXX and it has already been removed from my credit report. I refuse to pay credence excellence beyond belief as they have me a wrong amount due ( it should be {$0.00} ) and a fake number to reach them.
11/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75216	Web
XXXX XXXX XXXX XXXX collection agency Credence removed an alleged debit from all 3 credit agencies over 3 years ago as the debt did not belong to me. Now Credence has reinserted this same debt to all reporting agencies under my name without properly notifing me in advance. I have requested Credence collection agency to provide validation of this alleged debt, but they refused to. However, they mailed me a 50 % off settlement offer instead.
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92505	Web
I discontinued service with XXXX on XX/XX/2016 and paid a final bill of {$150.00}. I was billed in to the month of XX/XX/XXXX for the amount of {$260.00} which was turned over to Credence debt collection after several attempts with calls and letters to XXXX to get the matter resolved. I have disputed this bill with Credence, XXXX, TX XXXX, Phone XXXX although I spoke with someone in XXXX email XXXX. I appreciate your assistance in this matte
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 38128	Web
There are 2 companies reporting XXXX XXXX XXXX collections on my credit report for the amount XXXX. One company is from XXXX XXXX the other is from credence resource management. Im not familiar with any of these companies. I dont owe them anything and now it looks fraudulent. I havent had a service with XXXX XXXX XXXX since 2017. The dates and amounts are inaccurate and the companies are unrecognizable, and Ive never did business with them
10/13/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75119	Web
I am a victim of identity theft and I never entered a consumer transaction with XXXX XXXX XXXX nor have I ever even heard of Credence Resource Management. After consulting with my legal team, I have been instructed to reach out to Credence via the CFPB and registered agent. I have mailed the registered agent via certified mail asking for certain information to validate the debt. I have the right to full material disclosure as the consumer.
06/13/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60532	Web
Keeps changing opening date and reporting acct as a new collection when is is from XXXX. CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX XXXX XXXX , MI XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1800.00} Date Updated : XX/XX/XXXX Original Amount : {$1800.00} Original Creditor : XXXX XXXX Past Due : > {$1800.00}
09/17/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 73170	Web	Servicemember
They call between 30 and 50 times a day. My business phones are tied up all day long and it's affecting my customers being able to call. The person they are looking for is no longer working for me and I have told them this on multiple occasions. I do have my phone records for proof. I will keep the records and any future ones as well. If they continue to call my business I will be forced to proceed with legal action of harassment charges.
02/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21921	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78653	Web
Hello, I made the full payment of {$220.00} with XXXX and closed the account but the debt collector company " CREDENCE RESOURCE MANAGE '' kept on reporting this with XXXX XXXX. I filed the dispute with XXXX but they refused to resolve the dispute. I have asked the debt collector company to provide me with the current unpaid balance from XXXX XXXX. I'm not getting any response from them. I need this in writings from them. Thank you XXXX
02/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85143	Web
I attempted to set up business with XXXX XXXX through my XXXX XXXX ISP provider. XXXX XXXX was unable to install service at my address and never provided any service to me. I am not liable for a service that was never rendered. This has now been reported to CRA 's and I have disputed this with CRA 's and successfully gotten this removed. regardless of the actions taken by me they have sold my account to collections and attempts continue.
08/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79936	Web
I have been disputing this unverified account with the collection and Credence resource has not sent me any proof. On XX/XX/2019 I mailed out a letter requesting proof the and had no response. I called credence resource on XX/XX/2019 and the lady that answer would not answer my questions. This debt is not mine and they just don't want to corporate, its an error on there behalf. They have me confused with someone else and it is not right.
08/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70119	Web
Hey, there's a debt collection company by the name of CREDENCE RESOURCE MANA ; the original creditor is XXXX XXXX XXXX. This account has been deleted multiple times from my credit reports & RE-inserted multiple times. It happened again this month. This account is not mine. This is why I've been disputing it. Please help me get this account off my credit reports. Debt collectors name : CREDENCE RESOURCE MANA Account number : XXXX
09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 314XX	Web
In accordance with the fair credit Reporting Act CREDENCE RESOURCE MANAGE Account #, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
06/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80124	Web
I have not had XXXX XXXX XXXX as a service since 2009 and when i left them i paid off my account and contract with nothing owed. Today i have a new collection on my report from a collection company that bought the debt from XXXX XXXX XXXX. I've tried to communicate with them and the credit bureaus that this debt is not mine but have not gotten any results. Please help as it is affecting my ability to get the best home interest rates.
02/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75605	Web
Credence Resource Management purchased a debt from XXXX XXXX another debt collector that had previously been disputed with XXXX and removed from my credit. It was placed on my credit again under Credence Resources Management. I do not owe XXXX XXXX or Credence Resource Management money nor do I have a contract with them to pay. Per the FCRA this entry must be deleted from my credit immediatly as it violates my rights under the FCRA.
08/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90045	Web
Credence Resource Management ( CRM ) has been reporting a collection account from XXXX XXXX XXXX XXXX in the amount of {$1600.00} to all 3 credit bureaus on my name since XX/XX/2017. The XXXX XXXX XXXX balance was settled DIRECTLY with XXXX XXXX XXXX in payments over the last few months and closed. Credence has been inaccurately reporting this account on my credit report as a collection and I want this reporting deleted immediately.
06/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 708XX	Web	Older American
I am disputing the debt as reported by CREDENCE RESOURCE MANAGEMENT for {$620.00} from XXXX XXXX I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. Documents of proof have never been provided to me and the reason is, they do not exist.
12/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 630XX	Web
On This Date Company Opened A Collection. Account # XXXX XXXX That I Owe I Have Never Signed Any Written Documents Saying That I Owe This Debt To The Collector. They Are Violating My Rights Of The FCRA As A Consumer. I Do Not Know Who They Are And Have no Written Consent From My End. Also, They Have Not Verified That I Owe this Debt To This Alleged Company Please Have This Removed Off All Three Credit bureaus. XXXX XXXX XXXX
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48390	Web
On XX/XX/2023 a collections account by Credence Resource Management was added to my Credit Profile for the amount of {$2400.00} under the original creditor XXXX XXXX XXXX. The account number as per the credit bureaus is XXXX. I have never had any relationship whatsoever with XXXX XXXX XXXX, hence there is no Debt Pending. The collections account has been added fraudulently, without checking whether the information is valid or not.
10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 402XX	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
11/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34952	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAM AGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
02/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89436	Web
I cancelled my cable service with XXXX XXXX XXXX XXXX and was told I would receive a final invoice for the pro-rated amount, I never received the final bill from the original creditor as required by law. Suddenly, I received a debt collector notification in the mail. Had I been sent a final invoice, I would have paid it. Now, it was illegally forwarded to debt collection service who has put a derogatory remark on my credit report.
03/02/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28027	Web
Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XXXX - XXXX EST Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST There are a lot of these calls dating before XXXX hen answered, I hear dial tone and hangs up on me. If I call back, there is 'no record ' of my number in their system.
10/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 804XX	Web	Servicemember
Credence Resource Management, a collection company, has wrongly accessed my credit report and listed a false account collection. I have not opened any accounts within the last 2 years. They say I opened an account in XX/XX/2020, with a balance of {$600.00} that is past due. I have no accounts that are past due. They do mot have my permission to access my account. I want this removed from all credit reporting accounts in my name.
05/22/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32211	Web
Representative released information about account of mine that was sent to collections. I had not spoken with this company and was not aware was in collections. They called my husband 's number and released information without verifying his name or who he was and the account was only in my name. Per the FDCPA this is third party disclosure and I will be contacting an attorney. Call was received on XX/XX/2020 on phone number XXXX.
07/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11367	Web
Company has no proof that I owe them this debt. I have contacted them through mail stating that if they can not validate this account, they should not be reporting this to the credit bureaus because the information is invalidated. They have been compliant upon delivering proof to me in writing of the validation. It has been a full 30 days and still no response and still reporting this invalidated information on my credit report.
12/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43229	Web
I received a letter in the mail from this company in XX/XX/2022 stating I owe a bill for XXXX {$240.00}. I sent a letter to XXXX XXXX XXXX in XXXX of 2022. I never received any notification back from XXXX XXXX XXXX within 30 days. Today i looked at my credit report and they have reported a balance of {$240.00} but they failed to provide me with any documentation to validate this debt and also failed to reply in a timely manner.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43201	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06606	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/16/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 336XX	Web
We make a payment since a week, they told us they will send us a receipt for the payment and that never happens. We call 3-4 times a day every day and they continue telling us the same thing. Were trying to buy a house but because of this, that they dont give us the receipt or remove the account from collection Were literally in the streets with our XXXX little XXXX. Because of this company Credence Resource Management , LLC
09/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19140	Web
Credence resource management furnished an account in my consumer reports that they brought from XXXX XXXX XXXX that is not mine. I sent them my identity theft report as well as my identification letting them know this isnt my account. They have not stopped reporting this account to my consumer reports which is causing harm to my reputation. I did not consent to this reporting. This is unfair and inequitable to me the consumer.
08/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90007	Web
http : //credencerm.com/ This company is calling people falsely claiming they are in debt and owe them money for services provided by XXXX. They will not stop calling. They have XXXX accents and are looking to trick people into giving them money. They are committing Fraud. I don't want anyone to be a victim of their scheme. They should be shut down. They claim that they are headquartered in XXXX XXXX XXXX # XXXX, XXXX, TX XXXX
05/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94134	Web
SOURCE XXXX ALERT DATE XX/XX/2020 BALANCE AMOUNT {$3300.00} IS COLLECTION Yes OPEN DATE XX/XX/2020 PAYMENT STATUS Grid Code G ( Collections ) STATUS DATE XX/XX/2020 NAME CREDENCE RESOURCE MANA PHONE BUSINESS TYPE XXXX STREET ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX STATE TX ZIP XXXX This account was from XXXX as a result of identity theft. I already have this removed from XXXX and XXXX, however it is still on my XXXX Report.
07/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85396	Web
On XX/XX/XXXX, Credence Resource Manage showed up on my credit report. Once I looked at the company it showed a debt for XXXX XXXX that I had opened on XX/XX/2020. I have no knowledge of me opening any account especially if its cell phone or internet related since I already have those connected and I have never been late. On XX/XX/2020 I have disputed the false debt through the credit bureaus but it still shows on my account.
05/24/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78045	Web
XXXX offered me internet service for my house I signed a contract, when technician went by my house to install he informed me that the XXXX company is not able to provide services in my community including my house this happened back XXXX. I visit the administration office to let them know the situation, how amI going to pay a service that Im not receiving, they transfer me one agent to another with out a concluded contract
07/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
Yes I recieved a debt from XXXX XXXX which I have not been apart for atleast 10 years for XXXX dollars. I have recently been aware that someone may have stolen my identy and have already placed a credit hold on my credit report. I have already proven to one other debt collector that it was not me that took out a loan. I would like any records sent to me with account ending XXXX. So I can also prove this debit owed is false.
02/15/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95835	Web
Credence Resource Management calls every day up t 26 times a day. No message is left. They use different numbers : XXXX, XXXX, XXXX. XXXX, XXXX I contacted them and asked them to stop calling. I keep blocking each new number. I do not have any outstanding debt with them. I have never received any communications via mail, so I do not know the nature of their harassment. They have been calling for about 6 months incessantly.
09/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10304	Web
I just became aware of an account from XX/XX/XXXX from saying I owe XXXX dollars from a XXXX bill. I still have XXXX XXXX and I don't owe them. My account is up to date. When changed were made to my account I was told everything transferred over which it did because I paid for it. Now here it is XX/XX/XXXX and this show up as collections on my credit report. No one from XXXX has ever contacted me stating that I owe money.
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 070XX	Web
RE : XXXX On XX/XX/XXXX, I wrote to XXXX requesting an investigation into an item I believed was inaccurate. The item was removed and recently reappeared and re-aged with a current date. This collection agency reports a debt from XXXX as being opened on XX/XX/XXXX. CREDENCE RESOURCE MANAGEMENT, Account Number : XXXX. This is untrue and the account was re-aged. XXXX has not removed this account from my credit report.
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD XXXXX	Web
I got a letter from Credence about an alleged debt from them. I sent them a debt validation on XX/XX/XXXX ( XXXX certified mail receipt attached, signature receipt, and tracking history attached ). They did not reply. Then I sent out a failure to validate on XX/XX/XXXX ( XXXX XXXX mail receipt attached and tracking history attached ) per FCRA and they still did not reply with validation. I also sent the letters I mailed.
06/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 42301	Web
I changed companies and the new company was supposedly to pay the final bill from old company when I got first letter from XXXX I called new company and they told me they would take care of it so when I got bill from collections I called again and was told payment was sent next thing I knew I was reported to credit report agencies I would like to pay for this debt and please have it removed from credit report. Thank you
04/29/2019	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 92701	Web
Over the last 20 days, the average calls per day is 7. Calls are made at all hours. Some at XXXX, some at XXXX. I have called them and asked them to stop calling. They say they will, but it continues. They use abusive language, threats and curse words, even after I tell them that they have the wrong number. I verified my number is on the DNC list and threatened to file a complaint. They laughed. Please help Thanks
06/03/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NE 68105	Web	Servicemember
I've spoken to Credence several times about my financial situation yet they continue to contact me daily from several different numbers ( XXXX. ) On XX/XX/XXXX I was in contact with them stating I wouldn't be able to pay until XXXX. Several times they'd stated if I didn't pay they'd go ahead and harm my credit. Along with this they also continued to call after making an agreement that I'd pay the full balance in XXXX.
05/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93637	Web
I XXXX XXXX do not owe credence resource management any money. Im asking them to ceast and defrain. All communication should be done by postal service. Stop calling my cell. If u continue to call Ill sue u under fcra law. I request also not to put this account on my credit report as I do not owe this company any money. I understand this company is a debt buyer and I do not have a contract with this company. Ceast now
05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19134	Web
I sent a dispute directly to credence XXXX XXXX and they sent me a theft packet from XXXX. I completed the packet and sent it to XXXX. XXXX sent an email saying it would be resolved within 30 days. 30 days has come and gone and Credence is still reporting to the credit bureaus despite sending several emails that they believe the account is possible fraud. Which means they are not reporting 100 % accurate information.
03/20/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 49444	Web
XX/XX/21 notified credence to stop calling. Credence allegedly notated account and then called twice more within 45 min. XX/XX/21 credence called XXXX, XXXX, XXXX. When I answered they immediately hung up and then call again later. XX/XX/21 XXXX called credence back to notify them again to stop harassing and asked to speak to a supervisor or manager they refused. I am a 100 % XXXX woman please make them stop.
05/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27560	Web
I have received nearly every single day one to three calls from XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and about a dozen other numbers all show up with the Caller ID Credence. Which is a XXXX, IL based debt collector. I do not owe them a XXXX. They harass me daily and I know its a scam. I do not owe any money to anyone in XXXX, Illinois. This is harassment plain and simple.
09/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ XXXXX	Web
I received a phone call from a collection agency regarding a cell phone bill from XXXX XXXX XXXX XXXX. I have been disputing this bill for about 4-5 years now This isn't my bill and I have previously furnished a FTC Affidavit and police report and I am now sending the same information again. Please stop collecting on this this isn't my bill please close the account and remove from all 3 credit bureaus. Thank you
06/21/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 46825	Web
Nonstop, repetitive calls everyday about every hour. Calls from mulitple differnt numbers, I have blocked many numbers trying to stop the harassment and they call on a new number. I have told them I will make payments online and they try to force me to give them my information to pay over the phone. Company name is Credence. I have asked them to stop calling me mulitple times a day everyday and the calls continue.
12/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22408	Web
Credence Resource Management continues to call my phone multiple times per day despite being informed I am not the original owner of the cell number XXXX XXXX XXXX. I do not and can not know the original owner. I continue to get daily phone calls from them despite having no current debts of any kind. Mortgage, medical, or otherwise. Informing them I am the new holder of this cell number has likewise not worked.
10/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60177	Web
This debt was reported on my credit after I already advised the original creditor that it was not my debt and fraud since I had no longer lived at this residence and I never signed a contract I advised them that it was fraud and they never reported it But sold it years later to Credence who report on my credit with no contact or mail This is causing great harm to my credit when it was fraud on someone elses part,
05/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against CREDENCE RESOURCE MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30339	Web
This company has reported to a credit bureau that I currently owe debt to a phone company I have never had. I 've contacted this company to have it removed and for them to cease contacting me and they have continued to harass not only me but my family friends and MY JOB! I have dates and times of recorded voicemails that I have forwarded to my lawyers to prepare to file a class action lawsuit against this company
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11233	Web
This account was removed multiple times from my report and keeps reappearing. I never was associated with this account nor did I ever sign any agreement with CREDENCE RESOURCE MANAGE. It says account was open XX/XX/22 thats false I didnt apply for any accounts during that period. I will like to see a debt validation letter from this account Im 100 % confident I never signed and agreements or contracts with them.
02/26/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85033	Web
Someone opened an account under my information and had three phone bills with XXXX XXXX XXXX under account number XXXX amount {$2700.00} date XX/XX/XXXX to XX/XX/XXXX Several accounts have also been created under my identity I only know of two so far that have been charged unnsure of the res but it does show that i owe {$6100.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX {$630.00}
01/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48390	Web	Servicemember
On XX/XX/2020 I filed a complaint with CFPB for Credence Resource Management, through the CFPB for the debt titled XXXX for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. This is predatory, this isn't mine. That's why you guys had them delete it in the first place. Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.
04/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77063	Web
Credence Resource Management is reporting a debt of {$69.00} and gives no explanation. It was placed on my credit report today. I don't know who this is and have no knowledge of this debt. I would like lie proof of this debt with a hard copy of my signature. According to 15 USC 1681 A Sec 2. A debt can not be sold to another consumer without consent. I would like this derogatory remark removed from my report.
08/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 306XX	Web
For the past 5 years, I have been sent a bill for an XXXX XXXX XXXX XXXX account that was a result of identity theif. I have filed an affidavit and a police report two times. I have recently won an award for {$250.00}. From the fairshake group about this debt. It is not my debt. I never lived at the address nor had a mobility account through XXXXXXXX XXXX XXXX that I did not pay. This is a fraudulent account.
08/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
XX/XX/2021 a collection was placed in my credit account I have disputed the same account before and it has been removed they have acquired the purchase of my Debt from another debt collector I have disputed this again to be removed I do not all this amount I do not have XXXX XXXX XXXX I even called them and they told me that that account doesnt exist to get this removed from my account from the previous time
02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 329XX	Web
A company called Credence called me and said they were with XXXX XXXX XXXX and that I had a past-due balance. I unknowingly gave them my card number and they charged me {$210.00}. I don't owe XXXX XXXX XXXX any money, I actually have a credit on my account. This is a scam company taking money from unknowing individuals. They even play the XXXX XXXX XXXX signature sound on the phone to make it sound official.
04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29445	Web
I tried to call collections to see when the account started and what items where purchase and wanted to know the agreement and if it was purchased online or in store because I didnt make the purchase but my info was used they couldnt provide me that info all they could do is offer me a reduced price to pay since my info was used but couldnt give me valid info i needed to find out who and what was purchased!
05/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30238	Web
Credence Resource Management LLC Ive sent in debt validation letters XX/XX/2021 and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY
01/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75025	Web
The company has repeatedly called me and has called me in the past with incorrect information. Most recently they have started calling at around XXXXXXXX XXXX and XXXXXXXX XXXX, and now finally at XXXXXXXX XXXX when they were previously calling mid-afternoon to early-evening. The late calls are very inconvenient as blocking the number does not prevent them from calling me, they just call on a new number.
02/11/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	Web
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with CREDENCE RESOURCE MANAGEMENT. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
10/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33177	Web
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
06/14/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 95632	Web
Repeated illegal calls from a spoofed phone number. I finally answered and they refuse to say who they are or why they are calling unless i give them my name, date of birth, address & social. When i told them i would not give them that they got verbally threatening, cursing and screaming saying they would send an armed agent to arrest me at work! I owe NO past debts and im on the DNC list. Clearly a scam.
01/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 800XX	Web
They call me multiple times a day for a debt that was already taken care of. I have asked them numerous times to verify this debt, and their response is just the amount I owe. Then they try to barter with me and say if I can pay half, they 'll close the account and not send this to the credit bureau. Since they are haggling with me on what I can pay, and do n't verify this debt - I believe this is a scam.
01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77449	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to credence resource management I sent it to the bureaus and they ignored it. Please help if you can thank you.
08/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60139	Web
As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). Additionally, the aforementioned customer REQUIRES the following : CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93311	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( T-MOBILE ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
10/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 759XX	Web
For the past year I have gotten calls from a so called debt collector. They say they are representing XXXX. Of which I'm a current member in service. After contacting XXXX they verified I only have 1 account and it's current. I've tried stopping these calls but they continue. XXXX says I don't owe them And offered to change my number for free But they contact me on all my numbers. This is harassment.
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11010	Web
There were fraudulent accounts as well as an inquiry, XXXX wrong addresses and an incorrect name. ACCOUNTS 1. XXXX XXXX -DATE XX/XX/XXXX 2. CREDENCE RESOURCE MANA XXXX XX/XX/XXXX 3. XXXX XXXX XXXX - DATE XX/XX/XXXX 4. XXXX XXXX - DATE XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : 1. XXXX XXXX XXXX XXXX, NY XXXX 2. XXXX XXXX XXXX XXXX XXXX, NY XXXX INCORRECT NAMES : 1. XXXX XXXX
12/17/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07017	Web
Today, Credence call 77x 's on XX/XX/XXXX and 55x 's on XX/XX/XXXX and many prior times before, they call every morning stating at XXXX to XXXX and evening calling after XXXX. They are XXXX and XXXX me daily adding to my illness. they call with XXXX, XXXX, XXXX and ocassionally unknown number directly after calling on a visual number. I have not done business with them this number belongs to me only.
03/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
Credit Account XXXX credit reference ID XXXX debt of XXXX which is an old XXXX XXXX XXXX debt that was removed from my credit bureau years ago because collection time expired on the account. This bill collector contacted my mother in an attempt to restart the clock this debt asking for my name which is my father 's name as well. Sent debt letter to my parents address in Ohio. Which I do not reside at.
03/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 17404	Web
Credence attempted to collect a debt from me in 2016 for services that did not make sense. I referred them to my insurance company and never heard from them again. They contacted my ex-wife 18 months later for a similar debt, but with a different provider. I did not trust their account of the situation in 2016 and this further information tells me that they are fishing based on some illegitimate data.
05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 129XX	Web
An account from XXXX XXXX XXXX showed up on my credit report for a delinquent amount of {$3600.00}. Opened two years ago. It just showed up a couple of weeks ago. I have never seen this account prior on my credit report. No account information identified , street address, name etc. I've never opened up an XXXX XXXX XXXX account before. I've always had an XXXX account. This account does not belong me.
12/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	VA 23238	Web	Servicemember
Credence Resource Management showed up on my credit report and I have no Ideal who the creditor is. I currently do not owe anyone other than my less than 2-year history with my current creditor which I am not behind. I believe this is a fictional collector which is affecting my credit score more than XXXX Points. I have been the victim of identity theft 4 years ago and I believe this is a part of it.
11/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76013	Web
XXXX XXXX XXXX Account Number {$1100.00} Balance XX/XX/2019 Date Opened Collection account. {$1100.00} past due as of XX/XX/2019. CREDENCE RESOURCE MANAGE XXXX Account Number {$1000.00} Balance XX/XX/2019 Date Opened Collection account. {$1000.00} past due as of XX/XX/2019 I've called several times ( both companies ) with no answer, hence no resolution. Credit agencies have also been notified.
01/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 902XX	Web
Credence Resource Managment sent me a collection letter. I have never heard of them nor do I owe them any debt. I am disputing their attempt to collect an alleged debt under the FDCPA. I also do n't want any further communication from them, written, phone nor any other means. When speaking with them they become deceptive and hostile in falgrant violation of the Fair Debt Collections Practices Act.
09/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30238	Web
Credence Resource Management LLC Ive sent in debt validation letters and also everytime they have called my phone i have asked for debt validation i never receive the validation of debt but somehow i receive several notices in the mail about this debt they are bypassing the fact i have asked for a validation of debt from the original creditor, Ive constantly asked to VALIDATE the debts NOT VERIFY
11/16/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75006	Web
A company with a caller ID " Credence Rsrc '' has been calling my phone multiple times daily for the last month and I normally reject the call because of my multiple spam calls. Today I answered the phone and asked them why they keep calling me. The rep said some man 's name and/or his wife. I told the rep I don't know the man and I am single and have NO OUTSTANDING DEBTS and to quit calling me.
10/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23831	Web
Paid off debt collection XXXX to Credence. Did not recieve a receipt until XXXX. Original creditor XXXX did not agree the debt was resolved nor would acknowledge receipt and finessesed consumer for a payment XXXX yet did not ever disclose the details of the payment nor a receipt only referred consumer back to Credence XXXX. Issued a refund on XX/XX/2022 and again XX/XX/2022 yet did not recieve.
12/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34601	Web
XX/XX/21 Account # XXXX {$370.00} that I owe I have never signed any written document saying that I owed the debt to the collector. They are violating my rights of the FCRA. I do not know who they are and have not given written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
05/25/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	HI 96720	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
05/17/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	IL 60628	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
05/17/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 76513	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
10/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 705XX	Web
I need to dispute this account and have it removed from my credit report without negative impact this account was sold to Credence resource management a by XXXX I did not authorize no type of consent written or verbal to do buisness with this company it was sold as a debt and legally I have the right to have it removed from my report the amount listed is XXXX and Im not obligated to pay this..
02/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19124	Web
I sent this company 2 letters asking them to validate an account they are reporting against me! The first letter went out, certified mail, on XX/XX/XXXX. THEY JUST NOW CONTACTED ME TO TELL ME THEY ARE INVESTIGATING! According to the FDCPA, they have 30 days to send me full validation of debt, they did not send that by XX/XX/XXXX, their response is in clear violation of the law! PLEASE HELP ME!
10/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 105XX	Web
Medical bill was from workers compensation case. I have given company the information for the case and they refuse. I asked them to send me a bill then so I could submit it to the workers compensation company and again they refused. This company sounds like a huge scam that just wants you to send them money. I contacted the hospital where Credence states the bill is from and they have nothing.
11/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43213	Web
I have an account from CREDENCE RESOURCE MANAGE # XXXX that is Fraudulent I have requested that XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.
05/12/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77072	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
09/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 151XX	Web	Older American
Credence Resource Manage put a bill from XXXX on my collections account against my name. I never had a XXXX phone. My renter XXXX XXXX had a XXXX phone and the bills keep coming to the address she use to rent off of me. She owns a church XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX, PA XXXX XXXX Some how this collection agency is now putting her XXXX cell phone bill on my credit report.
05/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78251	Web
XXXX XXXX XX/XX/XXXX in the amount of XXXX date discovered XX/XX/XXXX XXXX XX/XX/XXXX in the amount of XXXX and the date discovered XX/XX/XXXXXXXX XXXX XXXX XXXX the amount of XXXX and was discovered on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX and was discovered on XX/XX/XXXX I've tried disputing and they will not remove and they keep calling and i told them its fraud.
04/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46227	Web
This company has never sent me any information in regards to any debt, the only reason i ever noticed it is because it showed up on my credit report. I have attempted to contact them and request a debt verification letter. they refused on the phone call. This directly violates the F.C.R.A. This company also refuses to verify any information when i contact them and try to resolve this issue.
11/08/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 186XX	Web
This debt collection agency is not licensed or registered in my state to collect a debt from me. They have been calling me non stop since 2019. They are trying to collect {$2300.00} from me for XXXX XXXX XXXX I tried to pay they just want I owed and they forced me to close my account and added in all these fees. They call me and try to negotiate and try to out the amount low so I can pay.
02/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 129XX	Web
I have a letter dated XX/XX/2022 that was received XX/XX/2022. There is a reference number on the letter. It is for something I never had and have never received communication about. The companies webpage has little information on it except for collecting the debt that is not mine. I have mailed back the slip of paper that didn't fit in the envelope indicating that the bill is not mine.
04/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 335XX	Web
XXXX XXXX management failed to comply with fair debt collection practices act, 15 USC 1692g. XXXX XX/XX/2022, I included in my validation of debt letter request of date of original charge off or delinquency and signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Company failed to respond with requests,
10/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30281	Web
My son and I were in an XXXX in XXXX 2015 and covered by XXXX XXXX XXXX. He was taken by ambulance to the hospital by XXXX XXXX XXXX. The insurance covered up to {$5000.00} in medical expenses. I provided XXXX XXXX the accident claim # XXXX. Now I have received a {$2100.00} collection bill from Credence. I am not responsible for this and XXXX XXXX has failed to collect payment from XXXX.
06/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 382XX	Web
Credence Resource Management furnished information to XXXX and XXXX without validation. There were 2 items on XXXX for a total of {$1500.00} and one on XXXX for {$390.00}. I sent a request for validation on XX/XX/2021, but I never got a response. 30 days have passed and by law, they have defaulted. These accounts are violations of FDCPAs 15 USC 1692g. They should be removed immediately.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
I provided proof that CREDENCE RM company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. XXXX and XXXX chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
04/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 150XX	Web
XX/XX/2022 Talked to 3 different associates of this company they had my name wrong address wrong as well as email and phone number wrong they asked if i ever had XXXX XXXX XXXX XXXX I explained I didnt I asked for a validation letter and proof that they own or they have been assigned this debt waiting on email as well as follow up letter the amount owed was in the amount of {$3500.00}
04/26/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 21702	Web
They are repeatedly calling me, and now they are calling friends and family. I speak to them when they call, and I have told them to send me a letter, and we also agreed on a reduced amount for the debt. They have not sent anything to me, and are now harassing my family and friends. I have told them that I will not make a transaction over the phone. They will not stop the harassment.
04/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 550XX	Web
I tried logging on to my XXXX XXXX account for the first time. It was weird Because it said I had an account made with my email. I reset the email got on and its saying I took some sort of loan with a company called Credence resource manage for almost five thousand dollars. It also said I lived In XXXX When I live in XXXX the loan company is in Texas and I have no idea who they are.
01/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 24112	Web
On XX/XX/XXXX I made a payment of prepayment of the coming bill due. I switched to XXXX on XX/XX/XXXX. XXXX sent me a bill for XXXX dollars for billing for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. I canceled my service on XX/XX/XXXX with XXXX. I have proof of this. Yet they refuse to adjust the bill and now a debt collector has called me in regard to this Fraud bill
05/04/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92411	Web
I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.
04/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76227	Web
Credence is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have called repeatedly to resolve this matter and have the account removed from my credit file. I never had any past service with XXXX XXXX XXXX. Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake.
02/04/2019	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 34786	Web
XXXX XXXX XXXX Cancel service after having the phones for a week. They claim my number belong to someone else. After contacting fraud department. They advise me go to XXXX XXXX XXXX Corp store. I did. My issue wasn't never resolve. Now it's in collections. They claim I owe {$2600.00}. This number came from my son account with XXXX XXXX XXXX. I had this number XXXX for five years.
05/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 14620	Web	Servicemember
I was notified by my credit protection company that a collection account appeared on my XXXX report filed by Credence Resource Management XXXX XXXX, TX. It alleges an unpaid debt to XXXX XXXX XXXX of {$4200.00}. I have never had any relationship with XXXX XXXX XXXX. XXXX is filing a dispute for me. I was notified on XX/XX/2023 that the collection account was listed on XX/XX/2023.
05/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60626	Web	Older American
Credence Resource Management has not removed fraudulent XX/XX/20 XXXX credit inquiry from my credit report. Since it was not my debt, then I have and had no business with Credence. Also, note that as a result of my communication with Credence ( perhaps in retaliation to my complaint re their collection practices ) that I now receive 100s of spam emails weekly to my gmail account.
03/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 234XX	Web
XXXX did not bother to review what I submitted supporting that the new posting from credence resource management is another post for the sale to another company/reaging of the debit I had previously disputed that was shown under XXXX XXXX. XXXX dispute results says Credence certified to them the information reported is accurate which shows account opened date XXXX of this year.
08/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 337XX	Web
I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.
04/29/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76226	Web
Received 6 calls from ( XXXX ) XXXX and ( XXXX ) XXXX and both are for Credit Resource Management. The debt collector has called 6+ times since XX/XX/XXXX - XX/XX/XXXX, and it is for a debt I do not owe on. The amount is {$1400.00} for a corporate XXXX owned by XXXX XXXX XXXX who was a previous employer. Also, they have submitted the collections to the credit reporting agencies.
10/13/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29209	Web
I received a notification on my credit monitoring app that my credit score went down 31 points. When I looked at my report, there was an account with from Credence Resource Management. I keep contacting them because I have never done business with them and this is not my debt. XXXX XXXX was paid almost a year ago. Now the account is reporting closed. I want it off of my report.
08/22/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78754	Web
I have received repeated calls from multiple numbers - every day, multiple times a day. They do not speak or leave a message, but traces back to Credence Resource Management - a company I have absolutely no history or ties to, nor do I know of any collections they should be calling about. Some of the numbers used : XXXX XXXX XXXX This is invasive and abusive and needs to stop.
05/05/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CA 91913	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75254	Web
I looked on my credit report and I still have this account that i really own. I already sent dispute letters via certified mail to delete this account but for some reason they are not responding on my letters. Its been 60 days since i mailed the letters but until now I still don't hear anything from them. This account really affects my good standing and I want it to be deleted.
05/26/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43219	Web
This company calls repeatedly and I never get to know why they are calling they ya g up on my all the time and Ive called them as well they just keep talking in circles or hang up on me again. I can never get the chance to tell them to stop calling me or family members phones they just call and hung up constantly. The XXXX says they are legit but I do not believe so at all.
07/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37211	Web
I have a new number from XXXX XXXX, I have owned this number for 2 years. For the past two years I have recieved multiple harassing phone calls from various collection agencies looking for a people named XXXX and XXXX XXXX. I do n't know these people, and I do n't owe a debt. I want this harassing calls to stop. Credence Resource Management is the latest company to contact me
05/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NH 033XX	Web
I have never had an account with XXXX I checked my credit report and disputed this item and the item came back as verified, which is impossible considering I have never had an account with XXXX. I would like to know how this information was verified and who was spoken to, in order to verify that this debt belongs to me. This is a blatant disregard of my rights as a consumer.
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
CREDENCE RESOURCE MANA Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX
02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 010XX	Web
My name is XXXX XXXX, account XXXX, address XXXX XXXX XXXX, XXXX Ma XXXX, I have called XXXX XXXX on last XX/XX/2022 and cancelled my account because I already had XXXX during that time. I did pay my last bill and today I received a bill from Collection with the amount {$370.00}. I called them but they never fixed the issue. Please help me to dispute this bill. Thank you.
05/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 480XX	Web
Credence resource management has listed a debt on my credit reports that I do not recognize. I do not recall receiving validation of this debt nor any information regarding to this debt. There is no account number listed on my report either to verify. The amount of debt is {$620.00} and was deleted XX/XX/2022. I would like this account removed as it is damaging my credit.
05/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02186	Web	Servicemember
Credence Resource Management r eported to the credit bureaus incorrect information about a debt I know nothing about and does no owe. I was made aware of this when I checked my credit report and noticed a submission that was made XXXX 2017 . I called Credence to report the error and my report remained unchanged despite the fact that the information reported is false.
11/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60035	Web
I have sent Credence Resource Management the Federal Trade Commission Identity Theft Report, Report Number : XXXX, and XXXX 's filled out and signed copy of their Fraud Management Form as proof that i indeed was a victim of Identity Theft and multiple accounts were opened in my name. I was never given a full account number from XXXX XXXX nor Credence Resource Management.
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 67207	Web
Credence has called a numerous amount of times about a debt they've bought. I'd already paid this debt to the original creditor and credence is illegally putting this on my credit report. I've asked for a debt validation letter and they have not sent one out, nor did I got anything stating the debt was bought and that Credence would be reporting this on my credit report.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75501	Web
I spoke to XXXX at XXXX XXXX XXXX XX/XX/22 and they said my balance was XXXX and I was set up to make XXXX installments.i paid XXXX XX/XX/22 then paid XXXX XX/XX/22. Received a letter from XXXX XXXX XXXX XX/XX/22 saying account has been resolved for less then the balance. Spoke to credence and disputed by email XX/XX/22 with a letter from XXXX XXXX XXXX that they sent
06/22/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WV 262XX	Web	Older American
When been getting phone calls several times a day from Credence Resource Management. Caller ID says XXXX Ohio. I never answer except to stop the phone from ringing and hang up. I finally called them and found out who they are by listening to their recording. They are using different phone numbers. XXXX, XXXX. We do not have any outstanding debt so this is a total scam.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10032	Web
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
08/23/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85254	Web
A company called Credence Resource Management called my personal cell phone continuously. never left any messages. 12 calls since XXXX XXXX, 2016. I requested my personal credit report to confirm I have no outstanding debt collectors. Do n't know who this agency is or why they are calling, but they are impersonating an agency attempting to collect an outstanding debt.
03/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89142	Web
Im coming forward today today to state how this company have purposely created and formed deceptive forms and reported false and inaccurate information on my consumer report with out proper validation I have listed all the laws Credence have violated I want action behind this as I have been embarrassed by the forms they have furnished and placed on my consumer report
01/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 322XX	Web
Date of Debt Notice : XX/XX/2022. XXXX disputed : {$170.00}. Name of Collection Agency : Credence Resource Management. Summary : The following agency is attempting to collect a debt I do not owe. I have indicated to the that this debt was already paid and the information the they have is incorrect. I have asked them for validation and no proof has been provided.
09/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07201	Web
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally
08/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33433	Web
I watch my XXXX XXXX score to see why it went down 40 points. I went the to see that the is a collection from XXXX of {$120.00}. I have an account with XXXX and I always pay my debts. I called XXXX and they have no records that I have any type of debt. I called XXXX as well and they have no records of debt. I would like to know why there is a collection in my name.
12/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 483XX	Web	Servicemember
XXXX has a bill in collections. I still have an account, with the same telephone number, and an active account number. I have no idea how i am still paying them but some how have a account in collections. Theyve never reached out to tell me anything. I believe this account was ran up by someone else. The account name is XXXX XXXX my legal name is XXXX XXXX - XXXX
08/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60643	Web	Older American
XXXX hired a collection agency for equipment that was not promptly returned after service was terminated by me. I sent XXXX the equipment back using their return arrangement with XXXX XXXX XXXX about a year ago. The collection agency stopped contacting me, and now it has started again. I do not owe XXXX. They have their equipment. The amount in dispute is {$370.00}
05/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77072	Web
XXXX XXXX XXXX DEBT Account opened XX/XX/2020 Term 1 month XXXX paid toward amount that Is due Total amount due Is {$800.00} Credit report number is XXXX report via experian Under Collections with Credence Resource Manager ... I didn't pay or have any knowledge of this XXXX XXXX XXXX account opened to have paid any monies to it I indeed did not open such account
04/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 39503	Web
I reached out to CREDENCE RESOURCE MANAGEMENT , LLC @ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX on XX/XX/2021 about a alleged debt of {$200.00} that i dont owe.As of yet, i haven't heard from them concerning the information i requested them. This is damaging to my credit and stressing me out with this inaccurate item place on my credit report.
01/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19606	Web
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 074XX	Web
I had XXXX XXXX XXXX contacted me multiple times to collect debt on an account that was result of identity theft. They called my mother and myself harassing us. The case is being reviewed by the original company again and I asked them for the call logs regarding the times they contacted me. They have not responded and seem to not want to give me that information.
05/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
I called XXXX XXXX and spoke with staff and a manager - both located in XXXX. The supervisor/manager confirmed the debt was outside statute of limitations but per FCRA they could continue to report to XXXX for 7 years. Multiple attempts with XXXX to no end. Why are there are statute of limitations if FCRA allows them to report and negatively impact customers.
05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10029	Web
I got a derogatory notice from a collection company reported to my without even being contacted in writing about a debt. I can't write a letter of dispute to a collection company when I never received a letter or notice of collection. I never got a 30/60/90 day collection letter. I never got a chance to dispute the collection before this was reported to XXXX.
07/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33610	Web
Both my XXXX and XXXX report has the debt from Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on my report. As the XXXX XXXX, I was not given the opportunity to verify or validate the alleged debt. I have called them and written letters to speak to some and was either hung up on or my communication via letter was has yet to be responded to.
11/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95134	Web
I do n't owe this debt. It was paid before I transferred my XXXX XXXX XXXX account to my new residence. Credence calls me multiple times per day and is pushy on the phone despite me requesting multiple times not to call. They call my girlfriend, who did n't even live at the residence they have on file, and ask for me. It concerns me how they got her information.
12/04/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 60085	Web
Credence Resource management keeps harrassing me calling me at least 3 times a day. When I contacted them to let them know why they keep calling me they wont give me any information without wanting me to give personal information which I dont find I should as they are calling me why do I need to give them personal information when I dont even know who they are.
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 236XX	Web	Servicemember
Company is reporting the account as 1 year and 6 months old. The account is from XXXX and last payment which was supposed to be a settlement pay off was XXXX. The account is passed the statute of limitations for the state the contract originated from. The collection agency is fraudulently reporting the account as newer to keep reporting it on my credit report.
03/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75093	Web
Credence Resource Management , LLC ( XXXX, Texas ) placed a collection on my credit report for a debt that was not mine. No attempt to notify in writing, to do basic validation of a debt clearly in another state. I have contacted Credence, the original company XXXX, credit bureaus, the CEO of Credence, and have filed a police report and still am not satisfied.
04/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 370XX	Web
on XXXX I received an alert from XXXX concerning new activity on my credit report. this was a notification of a collection account with credence resource management. this collection was from XXXX XXXX I have not opened and given permission to open any XXXX accounts with att this account is due to identity theft please see attached identity theft affidavit.
03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91401	Web
Credence Resource Management is reporting a {$490.00} XXXX debt collection on my credit file that I have reported was a result of identity theft. I have sent police report to credit bureaus. The debt was deleted from my credit file and now it is re-inserted on my credit. I want full validity and proof of debt belonging to me. I want this matter investigated.
07/20/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 95961	Web	Older American, Servicemember
On or about XX/XX/2021, I advised the collectors that they do not have my permission to contact me by phone. Since that time I have received two to three calls per day. Blocking their phone number is useless because they use several different phone numbers when calling. At present, I have blocked nine different phone numbers from this one collection agency.
08/17/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48092	Web
They call multiple times a day to our office even on weekends. We have been calling them for weeks and asking them to stop calling- they claim that we are not on their list but we continue to get calls. It's very obtrusive on our work staff to have to constantly stop working to answer a call just to be hung up on by them multiple times a day! Every day!
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34747	Web
A collection agency Credence resources management reported an XXXX debt that is not mine from XX/XX/XXXX for over XXXX under my divorced last name for which I got divorced and stop being XXXX in XXXX! I do not have any XXXX accounts, I have a cheap XXXX XXXX XXXX phone. I've been a victim of Identity theft. This is fraud! I have also filed a police report
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30228	Web
On XX/XX/2017 I checked my credit and noticed that Credence was listed on my report. On XX/XX/2017 I received a settlement offer letter. I never received a letter with notification of this debt or my right to dispute. Once I obtained this letter I did go ahead and send out a validation of debt letter to the company. Thus far I have not heard anything back.
10/22/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 63385	Web
This involves XXXX XXXX My account was hacked back in XXXX. There was a bunch of unauthorized purchases all in one day that I did not authorize. We have tried to get in touch with anyone that could help they customer service and still havent been helped. Get nothing but the run around. We have spent over 100 hours on the phone trying to get this resolved.
08/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 336XX	Web
All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX credit report it shows a creditor by the name of CREDENCE RESOURCE MANA reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Closed Payment Status : Charge-off Status uploaded : Balance : {$610.00}
01/14/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30038	Web	Servicemember
XXXX XXXX XXXX was supposed to come pick up the XXXX XXXX from my apartment. They are wrongfully charging me for internet usage when I already left my apartment due to my lease being up plus a missing box fee. I spoke with XXXXXXXX XXXX XXXX and they have called me repeatedly, harassing me for payment when I do not owe them. At all. XXXX XXXX XXXX XXXX
08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33009	Web
Credence Managment is reporting an account that they promised to DELETE in full upon payment. The account was paid and yet today I noticed that they updated it as a settled collection as opposed to removing it fully from the credit as promised. Credence failed to keep their word and misled me to pay the account by promising a full removal from the credit
09/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 611XX	Web
I walked into XXXX XXXX to see how much it would be for a XXXX. The cashier rang it up told me the amount and I declined. I left the store with no phone and no services. Then months later, I receive collections notice I have never had this phone in my possession, so I am unsure how I am being charged for something that I have never had in my possession.
09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
In accordance with the Fair Credit Reporting act Credence Resource Management account # XXXX & XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
07/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11226	Web
I reached out to CREDENCE RESOURCE MANAGE and asked them to provide me with a signed agreement between me and them opening, proof of the last 4 payments I made to them, along with a state identification used to open the account. I have not receive a response from them. This was over XXXX ago. This negative item is showing up on XXXX, XXXX and XXXX.
04/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90680	Web
On XX/XX/XXXX, I got a notification from XXXX that Credence Resource Management collection account was on my XXXX credit report in the amount of {$1400.00}, and ORIGINAL CREDITOR is XXXX XXXX. The account is opened on XX/XX/XXXX. I do not have any XXXX services or credit or something like that. I believe this is a case of fraud or a data breach.
08/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90220	Web
I don't know where this debt came from. I've asked repeatedly for validation of this debt. What they send me are bills that do not match any of my personal information except my name. Please investigate and remove this account from my credit reports. I am sick with XXXX and can not continue to go round and round with this company. Please help me.
04/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93726	Web
Original Creditor : XXXX XXXX Collection Agency : Credence Resource Manage Amount {$440.00} Claiming I Owe ** Unverified Date Disputed :XX/XX/2019 Disputed Charges & And Asked For VOD Validation Of Debt * Not Validate *** Resolution : XX/XX/2019 Account Statues : Per XXXX Account Information Disputed By Consumer Meets FCRA Requirements
02/06/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30058	Web
Received XXXX repeated call from XXXX ( XXXX ) XXXX at times ranging from XXXX am, XXXX am, XXXX am, XXXX am, and XXXX am. These calls were taken place on Sunday, XX/XX/2022. The number is from Credence debt collection agency on their website it states that they are not open on Sundays but yet Im received repeated calls within an hour time span.
10/18/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 074XX	Web
Good afternoon sir or Madam, I have received noticed from XXXX that my credit file has been up-dated. today I checked and I had found XXXX delinquent accounts which i dont recognize as mine. I have had no agreement with them and have had no communications with them They are : CREDENCE RESOURCE MANAGE CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX XXXX
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35235	Web	Servicemember
While checking my credit report I noticed a collection for an unverified debt that I do not owe. This false unverified debt on my credit report has caused stress trying to figure it out and possible loss of income due to my potential employment endeavors. My household has been with XXXX XXXX for 12 years and I have no need for XXXX XXXX at all.
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95829	Web
In accordance with the fair credit reporting have violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : A creditor may not treat a payment late for any purposes
11/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
XX/XX/2019, I noticed a collection account placed on my credit report. Prior to this being placed on my report, I never received any letter informing me of any debt owed or right to dispute. XX/XX/2019 A letter was sent to this company asking them to remove this item. I still have not received a repsonse from this company. letter attached
03/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 47909	Web
I disputed a collection company by the name of diversified and they removed it over a month ago cause they could not validate the debt. Last night I checked my report and there is another debt collector by the name of credence resource manage on there saying I owe them. Which they did not notify me that they were going to put back on the debt.
11/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90046	Web
att, credence resource management and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request
01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web
I WANT TO SUBMIT A FORMAL COMPLAINT WITH CREDENCE RESOURCE MANAGE/XXXX. THERE IS NO ORIGINAL SIGNATURE FROM ME BECAUSE I HAVE BEEN A VICTIM OR IDENTITY THEFT. CREDENCE RESOURCE MANAGE : {$730.00} NO KNOWN ACCOUNT NUMBER SUPPOSEDLY OPENED XXXX OF 2019. THERE IS NO ORIGINAL SIGNATURE FROM ME BECAUSE I HAVE BEEN A VICTIM OF IDENTITY THEFT ...
10/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
Hello, I have never done business with credence Resource Mana. I have requested a signed contract to validate this debt and they have not responded. I'm in the process of buying a home for my family during a pandemic and this is not helping me. The amount is for {$2200.00}. It's saying the date that was reported is XX/XX/2020. Please help.
11/26/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 125XX	Web
There were 2 calls ... Call 1.. agent gave personal information such as social security number address and Birthdate without verifying my identity with the person they spoke with.. Call 2.. agent gave personal information such as social security number address and Birthdate without verifying my identity with the person they spoke with..
04/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64063	Web	Servicemember
This account was removed from the previous collection agency, due to the fact that i have never have a dish network service. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
03/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	SC 29926	Web
This account was place on my credit reporting without my knowledge. The company could not provide me with any information. 15.U.S.C 1681S ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
11/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29209	Web
I received a collection alert on my credit report from this company Credence Collection Agency. They first reported that I owed them money when in fact I don't. I paid this debt months ago to another collection company. Now they are reporting that the item was paid to them when in fact, again, I have never exchange money with them at all.
09/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web
Please see the attachment. The Credence company sent me a debt collection notice on behalf of XXXX XXXX XXXX regarding a due bill that was incorrect. I followed up via phone and asked for the details of the due bill and they promised to email me the detailed bill right after the phone call. however, I never received any emails from them.
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31061	Web
I have contacted Credence Resource Management on various occasions in order to get this account verified or validated as my own. I have yet to receive any correspondences I do not have an account with them and they are reporting delinquencies on my report monthly. Please inquire and have this account removed in its entirety immediately.
04/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95060	Web
I got a letter from Credence Resource Management LLC which states they are collecting a XXXX dollars debt for XXXX XXXX XXXX from me. I called XXXX XXXX XXXX XXXXo confirm I dont owe any debt. I also researched about this company online and this company is a scam. Even though its a scam, it can still bring the victims credit score down.
11/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
A cold call from XXXX ( XXXX XXXX XXXX. Claimed to be debt collector for att. Claimed I owed over XXXX. Read off my Name, address and phone number. Requested my social security number. I responded that I had no accounts with att. I refused to give any personal information. I googled the number. It has been reported as a scam by others.
03/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	TX 77375	Web
Have tried to reach out to collection company XX/XX/2020 involved was told even after debt had been collected and paid that they would NOT delete the but would only be able to make a statement saying that the matter is no longer an issue. Customer service rep said he would email me a letter stating this but no letter has been received.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 365XX	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 754XX	Web
XX/XX/22 i got alert from XXXX saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account Credence Resource Mana knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer
03/25/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92672	Web
For months I have been called by ( XXXX ) XXXX on a daily bases. I picked up a few times telling them I do not owe the alleged debt from 2019 XXXX XXXX. They do not stop. I have also reached out to XXXX who does not have information on this account. This is harassment. Sometimes every day, sometimes every other day. This isn't fair.
03/25/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	CT 06066	Web
On XX/XX/XXXX I received a letter from Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/XXXX my representative reply back to the letter. In the letter, we/I were requesting proof of verification sign documents and etc of this debt within 30 days. Which we/I have not received them and it has been over 30 days.
04/20/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30316	Web
Credence resource manage keep calling me from multiple numbers about a debt that I see on my credit report from XXXX XXXX in the amount of {$130.00}. I have no knowledge of this collection and would like for them to prove a contract with me if not I would like for this debt to be removed and for them to stop calling me immediately.
08/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85335	Web
I am getting phone calls from this company daily. Sometimes I 'm called from different numbers more than once a day. I do not owe any debt. When I asked why they are calling me or what this is regarding they wo n't tell me anything. This is harrassment plain and simple My FICA score is XXXX and I 'm tired of them calling constantly
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34110	Web
I got an email that Credence Resource Management reported a collections debt from XXXX for {$1600.00}. I do not have any services with XXXX. I had the same company do this before in XX/XX/XXXX where i proved their fraudulant charges. Now I am going through the same thing as of XX/XX/XXXX. I do not have an XXXX account of any sort.
09/09/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CT XXXXX	Web
I am bringing to credence attention of the violation they committed under the fair debt collection practices act. Attach to this complaint you will find an Unsworn Declaration of Truth, a Cease and Desist with the demands of I, the consumer, and exhibits as proof of Credence Resource Management violations against I, the consumer.
01/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89044	Web
I just received an alert that Credence Resource Management Collections has been added to my consumer reports. This is defaming my character, as well as causing emotional and physical stress, anxiety and restlessness, therefore causing me to have XXXX XXXX XXXX among other health issues, and causing harm to my credit worthiness.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 20720	Web
I requested a method of validation on XX/XX/2023. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48187	Web	Older American
I received a past due record on my credit report from CREDENCE RESOURCE MANAGE for an account I have no knowledge of. This account never should up on my credit report until it was XXXX months past due. I called this company and they said someone used my SS # but had the wrong address and i should file an identity theft report.
05/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 17104	Web
Credence Resources Management a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. XXXX displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60643	Web
Requested an itemized bill due to company telling me the balance was high due to me owning on a phone. Although I never purchased a phone with the company. I only got phone service from the company. I never purchased a phone. Attempts to request an itemized bill was never given after multiple calls and visits to this company.
05/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 389XX	Web
I checked my credit report via XXXX XXXX one random day and saw that I had a collections report that I was completely unaware of and had not been notified of at all. It is from XXXX and they have not sent me a bill either. I feel blindsided and if I was notified, I would have paid so that it would not be sent to collections.
02/05/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 480XX	Web
I sent a letter to company named XXXX XXXX XXXX XXXX XXXX ( XXXX ) an disputed a account they said I had at XXXX XXXX XXXX XXXX! I have never had a mobile phone with XXXX XXXX XXXX. so then I got my XXXX report and I see they have put it on my XXXX acct. But it wasn't on there for years I don't know where it's coming from???
08/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37115	Web
I received this letter from this company claiming that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them. This is the second company that has contacted me in regards to this alleged debt so I think it is being sold from company to company
07/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 945XX	Web
I subscribe to an credit monitoring service. I was informed that a new acct was opened by Credence Resource Management for {$970.00} for an unpaid XXXX XXXX XXXX XXXX acct for service from XX/XX/XXXX to XX/XX/XXXX. I never opened this account nor did I authorize use of my info to open this acct. I never lived in XXXX, XXXX.
05/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66109	Web
CREDENCE RESOURCE MANAGEMENT at XXXX XXXX XXXX XXXX, XXXX TX XXXX. Has been sending me collection notices in the amount of {$310.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
09/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NE 68134	Web
Credence resource management has constantly put this debt on my credit report 3-4 times when I DO NOT OWE THIS DEBT. Ive gotten it deleted every single time as well and they just keep putting It on my credit report. This is literally the third time theyve done this and its harming my credit when I do not owe them a dime.
08/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 281XX	Web
i have an account that is fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
02/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76028	Web	Older American, Servicemember
Rec. several calls on my private cell. Talked with Co. 2-days ago. They do not believe me just want $ I did not spend. Do not know this co. Do not owe this debt. they will not leave or give me address to get ahold of them. Or a phone #. I have since found it. They will not talk to me, they just want $ I do not owe them.
02/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 712XX	Web
I had a charge on my credit account and I disputed said charge. It is in violation of XXXX XXXX guidelines and must be removed from my credit report. I filed this dispute on XX/XX/XXXX of XXXX and received my answer back on XX/XX/2023. The amount in question of being past due is XXXX $ from the creditors XXXX XXXX XXXX.
01/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 314XX	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
06/11/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PR 00729	Web
I am unemployed and a survivor of Hurricanes Irma and Maria. lost all my belongings with the hit of Hurricanes Irma and Maria in Puerto Rico, where I had been living for the past 5 years. I request that the law firm representing Credence Resource Management , LLC will understand that I do not any resources nor income.
10/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19111	Web
I have never done any buisness with Credence Resource Management whatsoever no verbal or written agreement they have been calling me non stop after I have disputed this false debt twice and no verification was ever provided they are violating my rights under the FCRA I have a right to privacy and fair credit reporting.
10/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web	Servicemember
I contacted this company via mail in regards to a letter I received about an alleged debt. I asked the company to verify the debt. However, the only response I received from the company was a copy of a bill. To my understanding, this is not proper validation as per FCRA and FDCPA. I never did business with this comany.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27909	Web
I currently have an XXXX CABLE account on my credit file showing I opened the account XX/XX/XXXX. This information is incorrect and I submitted dispute after dispute and it still hasn't been fixed. I file dispute with all XXXX major credit bureaus. I also provided them with proof of my last payment, which was in XXXX.
09/26/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85381	Web
Several phone calls a day from ( XXXX ) XXXX. They never leave a message and sometimes hang up after 2-3 rings. I looked up this company online and they are located in Texas. But, the area code is XXXX ( an Arizona area code ). Additionally, I have called them a few times and it seems like an overseas call center.
10/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 395XX	Web
CREDENCE RESOURCE MANAGE at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$1000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76706	Web	Servicemember
I 've provided the original company with the identity theft affidavit from over a year ago and they just continue to push it off onto new collection agencies. When the affidavit of identity theft was filed, the XXXX collection was coming from XXXX ( {$400.00} at the time ). It is now with Credence ( at {$400.00} ).
02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30236	Web
I get alerts from XXXX website when activity takes place on any of my credit reports. A debt being collected by Credence Resource Management for XXXX was due to fall off and I received an alert that they removed it and put it back on, causing it to be re-aged which is a violation of the FCRA. See attached screenshot.
09/16/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MI 480XX	Web	Servicemember
Keep calling my family looking to talk to me. Calling me several times a day and when I ask what about they refuse to tell me then tell me that they are suing me. I asked for validation for debt but refused to get me the information. They still wont tell me what the account even is so I am not sure if its even mine.
07/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85629	Web
XXXX XXXX an ambulance in XXXX Arizona has submitted a bill after 3 years. A medical bill I never took an ambulance, the statute has expired for any responsibility. Basically, the company is picking addresses and sending bills after 3 years, get a clue. This bill is not mine. Aggressive collection action has ensued.
08/24/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75110	Web	Older American
I get numerous calls a day, it disconnects everytime, so I called and it says they are Credence recovery or something. They ask my address and social security number, I would not tell. I asked them to stop calling this number. And they have been a nascent to me by calling so many times. They last called from XXXX.
01/30/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48092	Web
They call our office multiple times a week- they hang up on us when we answer- even on weekends. We have called them back and asked them to stop calling- they claim that we are not on their call list, but yet they continue to call. This is our second complaint to cfpb about these people. ( XXXX ) It needs to stop.
08/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27217	Web	Older American, Servicemember
This company Credence Resource Management called several times about a debt do not have a middle name / can not give me SS number/ keeping asking me to supply it/ not address / no company I owe can not verify anything / feel as though they are fishing for info/ when I told them I was going to sue them they hung up
02/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33914	Web
Credence Resource Management Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX First numbers of account : XXXX .... Phone ( XXXX ) XXXX. Date XXXX. Original Creditor XXXX XXXX It was placed for collection. attempting to collect {$1100.00} from me. I do not own this account. I have never lived in the state of Texas.
02/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR XXXXX	Web
A collection debt from an agency called CREDENCE RM appears on my credit record in the XXXX agency. This is the second time that a debt to XXXX XXXX XXXX appears in my record for the amount of {$2500.00}. I have never had debts with XXXX XXXX XXXX and this has appeared and affected my credit for the second time.
02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48185	Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( Original creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 28613	Web
I contacted all three credit bureaus told them that there was fraud on my credit that the collections accounts that were on my credit were related to my ex-wife they were her accounts with her information and I had nothing to do with any of it as I was XX/XX/XXXXwhen these accounts opened and put into collections
07/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44512	Web
According to my credit report I have a balance due to Credence resource manage for {$620.00} however I have not been notified of this debt and I am not aware of whom XXXX XXXX is I would like to dispute this claim due to insufficient information regarding whom the debt is with. Also this debt if over 5 years old/
08/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 624XX	Web
I keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.
09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77506	Web
I do not know these account. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
01/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20720	Web	Servicemember
called and told XXXX XXXX i was moving back in XX/XX/2019 and turned my equipment in they told me i was not on contract and everything was okay and they will cancel my service i noticed a bill in XX/XX/XXXXfor {$500.00}. i called them and and paid. now I have bill collectors harassing me for service i never got.
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	FL 33015	Web
XX/XX/2023 I tried to register for an account with XXXX XXXX online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.
09/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91101	Web
I recevied a call from Credence Resource Management regarding an XXXX XXXX XXXX account at an address that I've never lived at. They used my name and SSN to identify me, which is how the account was attributed to me. All the other information belonged to someone else, probably whoever opened the account as me.
07/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 170XX	Web
Collection company did not make any attempt to notify me of the debt. I would have not known about it if I would have not checked my credit report. I called the collection company and they did not even give me the option to dispute the charge, they told me I had to pay the balance to get it off my credit report
04/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29420	Web
A collection account from Credence Resource popped up on my credit reports on XX/XX/20. I have no clue about this account and did not receive any written notification of this debt allowing me to investigate or seeing what this is for. I want this removed immediately. As I was not given any notification of this!
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60085	Web
I were a victim of identity theft and had multiple phone lines, bank accounts, inquiries that werent me and they seem not to do anything about it. XXXX is saying I owe them {$1100.00} and I never had them as a personal phone company. My wallet was lost and stolen about 3 years ago then another time a year ago.
03/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92173	Web
Was charged fraudulently under my social the company didnt review nothing nor check the if the social even matched whoever used my social, I tried disputing it many times and they have yet to help me nor try to get rid of it. I was a minor barely XXXX when this charge occurred theres no way I could of made it.
12/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35023	Web
Credence Resource Manage at XXXX XXXX XXXX XXXX, XXXX Texas, XXXX has been sending me collection notices in the amount of XXXX. The collection has been listed as past due. I do not know this company. I have never done business with this company. This compliant does not have a contract with my signature on it.
09/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33186	Web
A company called Credence Resource Management LLC reported a debt on my credit report. I disputed the debt and requested proof of debt. They sent a statement and a follow up email sending the same statement.I requested proof under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) of the Fair Credit Reporting Act.
03/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19454	Web
XXXX outright lied on a letter submitted to FCC, states that I called to reinstate service on tablet after I cancelled service. I never called to reinstate, consequently continues to bill my account, then placed account for collection with Credence Reaource Management. This is not a valid collection account
06/08/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78212	Web
XXXX/XXXX/15 requested debt validation from Credence collection agency. Although this is not appearing on my credit reports, Credence is required to provide validation of debt within the legal allotted time frame. It is XXXX/XXXX/2015 and I have not received any information verifying this debt if {$650.00}.
11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33311	Web
Credence, is reporting a debt that they say is owed to XXXX. I have never purchased XXXX. XXXX XXXX XXXX XXXX was reporting this debt and removed due to the inaccuracies. Credence has not communicated with me! Credence did not give me my 30 day right to dispute prior to adding this collection to my account.
06/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32256	Web	Servicemember
I paid this bill to XXXX XXXX XXXX and this company, Credence Resource Management, LLC, keeps calling me about it after I informed them that it has been paid. I also tell them not to call me any more, yet, they call XXXX - XXXX times a day. They have also slandered my credit with a false collection listing.
11/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30014	Web
XX/XX/2022 XXXX I disputed this matter with the agencies and told them that this was infact a fraud matter and i would need this account deleted .i also challenged the incorrect information account where credence clearly violated the law 604 15Us code 1681B 605 A 15Us code 1681 C1 605 B 15 Us code 1681 C2
01/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79912	Web
Date : XXXX Credence Resouce Mana XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX Amount : XXXX For XXXX XXXX To Whom It May Concern : This Debt is supposed to take it off my credit and it hasn't please do so, if it's not I will file a complaint to Attorney General 's Office. I demand it off my credit report.
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 075XX	Web
I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.
05/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35216	Web
This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit.
01/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33603	Web
NOTICE OF XXXX XXXX SEEKING RELIEF AND XXXX XXXX UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60643	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
11/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85207	Web	Servicemember
I had an account with XXXX XXXX XXXX # XXXX XXXX. I recently closed the account and paid it off in full. However, I am getting repeated calls from someone called Credence Resource Management. I have been contacted by them twice in the past 24 hours. I do not owe anything but yet the calls keep coming.
04/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08081	Web
I switched phone companies. They took my access away so I couldn't even log into the account. My current phone ( main account ) was switched to another company. They kept the other line open at a rate that was not in the plan and I didn't have access to the account. So I couldn't cancel if I wanted to.
05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 397XX	Web
My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. CREDENCE RESOURCE MANAGE
02/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48075	Web
I don't owe anything to Credence Resource Management with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
02/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75067	Web
I received a notice in the mail from a company called Credence who is a debt collector claiming that I owe XXXX XXXX XXXX XXXX {$180.00} WHAT?? I don't owe anything. I contacted this company in an attempt to straighten it out, they wanted my to give them personal information. I don't owe them anything.
02/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63376	Web
I don't owe anything to Credence Resource Management with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
04/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 082XX	Web
Credence Resource Manage claims I owe them {$1200.00}??? This was all settled a while back. The company customer service had spoke to me there was a settlement and some point and for some reason they never updated anything. I have tried contacting them to resolve this matter and It has gone no where.
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 Section 2 it states a consumer reporting agency can not furnish an account without my written instructions
05/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92705	Web
Credence resource management is attempting to collect a debt on behalf of XXXX and has reported it to my credit Bureaus. This XXXX account is a fraudulent account that was opened under my name. I have had identity theft since 2015 and have had an extended fraud alert on all 3 of the credit bureaus.
05/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
This debt is invalid. Ive contacted the original creditor XXXX XXXX XXXX XXXX. In regards to the validity of this debt and still have not received a response. Right now Im seeking legal actions against XXXX XXXX, for billing fraud. And have reported them to both XXXX and The insurance fraud bureau.
03/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 93291	Web
On XX/XX/XXXX I received a notice from XXXX that I had a new derogatory mark on my credit. When I checked to see what it was, it was a balance of {$270.00} from Credence Resource Management. I do not recognize this debt as I have never received any communications whatsoever regarding this account.
07/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93455	Web	Older American
I received collection notice from Credence in XXXX Texas claiming I owe them {$1700.00} for a debt owed to XXXX XXXX in California. I have paid that debt to another collection agency XXXX XXXX also in XXXX. You have investigated this before and XXXX XXXX sent you confirmation that I had paid them.
02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 365XX	Web
on XXXX, i sent a dispute letter to CREDENCE RESOURCE MANAGEMENT , LLC about a alleged debt of XXXX $ that i do not owe. i sent the letter off usps certified mail # XXXX XXXX XXXX XXXX XXXX, they have violated 15 USC 1692 and CFR 1006.34C and i am requesting XXXX $ per violation to be sent to me.
10/30/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 195XX	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my right 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 a section 2 also states that a consuming reporting agency can not furnish a account without my written instructions.
01/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 12401	Web
I have disputed the amount of debt on my credit report of {$4000.00} about 6 times on numerous different occasions XX/XX/30 being the last time. This is not my debt. I have never had a credit line or phone bill with XXXX XXXX XXXX in my name. I have always had t mobile or been on my mothers plan.
08/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MS XXXXX	Web
On XX/XX/2019, I was checking my credit reports and noticed that Credence Resource Management had submitted an account with my name attached to three ( 3 ) credit files, XXXX, XXXX, and XXXX. This company never sent me a request to validate the debt. This company violated my rights as a consumer.
05/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PR 00729	Web
I was not informed at the time that I could request a free cellular phone from XXXX or any governmental agency because I was unemployed and in Medicaid/SNAP Benefits. Therefore, I was set-up in a fraud to go to XXXX to request what I was told it was a free phone line and now I had been billed.
10/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 480XX	Web
I never received notice that this account would be placed back on my credit report, I have previously dispute this account and it was removed off my report.I have no knowledge or do not remember opening an account with XXXX. The account number is XXXX and the amount of this account is {$650.00}.
04/12/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94123	Web
Dozens of calls from similar numbers, usually calling between XXXX and XXXX. I'll answer the phone, with no one answering. Calling the number directly, I finally was connected through to a company called 'Credence Resource Management ', and they said, 'could not share why they were calling '.
11/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76051	Web
A random collection popped up my credit report from a company I've never even heard or let alone owe money any to. It showed up on my report on XX/XX/2022. The amount is {$1300.00} and I have ZERO idea who they are or what they represent. The name of the company is Credence Resource Management.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 333XX	Web
Settled debt with company called " CREDENCE RESOURCE MANAGE ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43219	Web
On XX/XX/2021 I received a very threating letter from CREDENCE XXXX XXXX XXXX, XXXX XXXX XXXX TX. XXXX. This is regarding a creditor DIRECT TV LLC REFERENCE NUMBER XXXX. FOR A BALANCE OF {$390.00} This is not my debt and I feel harassed about the company writing and suggesting the debt is mine.
08/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 711XX	Web
I sent the company a letter on XX/XX/2020 asking for validation of the account and the company never responded and now the debt has been added to my credit with me having the original contract saying that I owe the debt to this company and any other information that was requested in the letter.
03/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75104	Web
Somebody got an at & t internet connection in my name at XXXX XXXX XXXX XXXX XXXX XXXX XXXX then transferred it to another address i have always stayed in XXXX XXXX XXXX XXXX XXXX. i dont know how they got my information? next thing i know i get a collection letter from a service i never had.
03/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30296	Web
XX/XX/2021 Credence Resource Mana ACc:XXXX amount XXXX this account does not belong to me. Iam notifying the FTC that my identity has been stolen. and used for fraudulent activity this account has cause me financial ruin and confusion. I look forward to your reply and resolution to my problem.
09/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CT 06512	Web	Older American
This company is calling about a bill from 2 years ago ... I explained that I need to see the bill and that I do n't even remember the service i.e. ; ambulance ride ... After telling them I need a copy of the bill in question they would n't comply ... I 'm sure this is a scam and I told them so
02/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IA 520XX	Web
I had XXXX home internet in XXXX iowa XXXX In XXXX of XXXX my wife and I moved to XXXX iowa. XXXX does not have service in XXXX so we had to cancel the account. So I obviously didn't have their service in XX/XX/XXXX. I have disputed this a few times in XXXX XXXX but have not gotten anywhere.
09/03/2021	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60440	Web
Credence contacted me XX/XX/2021. I never receive a notice explaining I had the right to dispute or verification of the debt. This now shows up on my credit report. The calls stopped for awhile but On XX/XX/XXXX, the calls resumed and still no written notice or verification had been received.
01/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93245	Web
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened a collection claim in the amount of XXXX dollars. On XX/XX/XXXX I called about this claim and they immediately wanted my social security number, and payment options. I was not given any explanation why I owed this money, XXXX just wanted payment.
08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11211	Web
On XX/XX/2020 I pulled my credit report and noticed that a company by the name of Credence Resource Manage is attempting to collect a debt for XXXX XXXX XXXX for {$300.00}. I have reached out but no information was given to me. I have never had services with these companies. I suspect fraud.
04/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 708XX	Web	Servicemember
The collection agency placed a bad debt on my credit report for XXXX when the balance was paid directly to the creditor. I do not owe Credence collection agency and this is a false representation that is being displayed on my XXXX report. This needs to be removed completely from my account.
08/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92832	Web	Servicemember
XX/XX/2022 - I have disputed the claim with the credit bureaus. This company XXXX XXXX just showed up on my credit report. I have not ever signed a trade agreement with this company. The amount of the claim is {$580.00}, I have not received any goods, or traded services with this company.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29073	Web
In accordance with the fair credit reporting act, RECEIVABLE SOLUTIONS XXXX Account # 1238 has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
12/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MT 598XX	Web	Servicemember
Debt shouldn't have ever been legally sold to company to begin with, Debt was result of relationship using information // I did not consent to this account. I would like this immediately removed from my report ; or the ability to complete fraud investigations on this account immediately.
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37042	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
08/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91767	Web
In reference to account number # XXXX from 11 XXXX open on XX/XX/18 $XXXX is the amount that is started that I owe to this company. I have filed a dispute with the credit bureaus. That I did not open this account nor is this my account. It was open fraudulent. And with out my knowledge.
02/07/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23606	Web
I've been getting several phone calls from a company called Credence in which keeps calling me several times a day and harassing me. Not only do they call my personal phone but they also call my business phone number in which I've never given them nor did I give them my personal number.
05/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43605	Web
This Company Credence Resource Manage Wrongfully Reported this account XX/XX/2023 without Notifying Me of This Debt This Company is unlawfully reporting a Debt That they never notified me about I am heartbroken that this Company is Furnishing inaccurate and incorrect information!!!!!!
05/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I received a collection account notification on my credit reports for Credence Rm 11 XXXX XXXX for {$270.00} in which I do not awe. I have never done business with them and am currently doing business with XXXX and they have advised that I do not have an outstanding balance with them.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 310XX	Web
In accordance with the fair credit reporting act XXXX accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.
02/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90028	Web
They call me constantly dont have all dates but was called the last few days back to back starting XX/XX/2022 and today XX/XX/2022 theyll call and not leave a message and when i do answer its a robocall i wait for someone to come on and request to not call yet they continue to do so.
01/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
This said debt has been disputed once, and was removed. Now it is showing back up under a new collection agency. The accuracy, dates, and amount could not be validated. The collection agency did not try to contact me in any form of communication. They just reported to credit bureaus.
12/05/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 125XX	Web
On XX/XX/2019 XXXX & XXXX reported a collection account for a debt I have no knowledge of and never received any notification. This caused my score to drop -34 points. I have no connection or contract with this company and would like them to delete all negative reports on my credit.
10/17/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32216	Web
Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed : {$170.00} Account Number : XXXX I'm writing to inform you that at the moment I don't want to pay for this so I refuse. Please cease and desist all communication and Thank you for reaching out.
11/27/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 06810	Web
There is a company attempting to collect a debt from me, but they keep changing the dates as to when the debt was opened in an attempt to never have the debt removed from my credit report. They will pull the debt from my credit and then replace it with a new date that it was opened!
03/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85301	Web
I have had a XXXX collection appear on my credit report periodically for over ten years. I dispute it, the credit reporting agencies remove it, it reappears a year later. It's back. Again. I don't know what else to do. This time the collection agency is Credence Resource Management.
08/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 302XX	Web
a company called credence resource managment bought a debt that was removed from my credit report now there harrasing me for a bill that was removed. this keep happeinig to me every time its removed how can i prevent this? its a a XXXX XXXX XXXX bill and dates are wrong of service.
11/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07003	Web
I have filed a dispute in regards to credit report and it has been well over 30 days in which I have yet to receive my investigation report results. Please see the attach of files of credit disputes submitted along with a demand for the agencies to comply after the 30 days expired.
12/18/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OK XXXXX	Web	Servicemember
Creedence Resource Management whomever this may be is blowing up mine and relatives phones non-stop up to 6 times daily after previous cease and desist request made and acknowledged by this company. Using multiple fake or spoofed phone numbers one being XXXX with no messages left.
02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 954XX	Web	Older American
Repeated calls, morning and evening once a day, it seems like more than once a day at times and I usually do n't answer and they do n't leave a message ; when asked to ifentify themselves they give an non-descript answer like this is about a personal problem so I finally I hang up.
05/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 081XX	Web
I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!
08/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92651	Web	Older American
XX/XX/2021, a claim was processed from XXXX XXXX XXXX. XXXX XXXX claim # XXXX. Amount billed was {$1600.00} XXXX paid {$1500.00} and XXXX XXXX paid {$370.00} The statement shows PATIENT RESPONSIBIITY {$0.00} I keep getting letters from Credence debt collectors that we owe {$62.00}
09/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I am a victim of identity theft and this account does not belong to me. I have contacted this company yet they still report a fraud account that they have no valid proof of bearing my real signature. This account does not belong to me and it was open as a result of identity theft.
11/03/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30132	Web
This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved
04/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30082	Web
Pursuant to 15 usc 1692g, you failed to properly validate the alleged debt and in addition to that I do not recall giving you my consent to contact my person, thus you are in violation of 15 usc 1692c ( a ). You are liable to pay {$1000.00} per violation pursuant to 15 usc 1692k.
06/17/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 34771	Web
I get numerous calls a day in regards to a debt that I do not owe or even know about. I keep telling them to stop calling its not my debt. I asked them to furnish proof that this is me and they insist I give them my social security number. I refuse and they hang up and try again.
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33024	Web
This company is attached XXXX was paid and the company continues to try and collect a debit which was paid to the original creditor Debit Collector CREDENCE RESOURCE MANA Balance {$290.00} Balance updated XXXX XXXX, 2023 Contacted XXXX and they have no knowledge of this account.
09/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94124	Web
On XX/XX/2020 I sent a validity of debt letter to : Credence Resource Management , LLC XXXX XXXX XXXX # XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX XXXX Reference ID : XXXX Amount : {$260.00} That amount does not belong to me. They put a mark on my credit report without my knowledge.
08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60099	Web
Asked XXXX and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports
05/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92311	Web	Servicemember
I received a harassing phone call from CREDENCE RM about a XXXX XXXX bill in the amount of {$1000.00}. I had no idea this existed a Is have no knowledge of the account. I never received any correspondence on how to dispute the validity and request verification for the account.
12/16/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DE 199XX	Web
Debt collection agency ( XXXX ) calling every day, often more than once a day from different numbers to not only personal phone but also spouses phone who is not linked to any account with the company claiming there is a debt. Unsure of how they found her phone number as well.
09/07/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75217	Web
Credence Resource Management called me. I did not answer. When I returned their call they were asking for a " XXXX XXXX ''. I told them I do not know her and that this has been my phone number for several years now. My phone number XXXX and it is listed on the do not call list.
09/21/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	PA 18062	Web
I am getting approximately 10 to 15 calls from this company Credence Recourse Management. Today I got 5 calls in less than 40 minutes.. I work so I ca n't answer however all of the calls that I have received from them have never left a message in regard to why they are calling.
11/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30144	Web
Credence keeps calling me. They call my cell phone number on weekends and late in evening. I do not have a debt with anyone. I owe no one anything. I keep blocking them they call with different number. I dont pick their calls but they keep calling. I need my peace and privacy.
12/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33060	Web
Im asking to have this account removed from credit report I dont owe {$160.00} to anyone me so Im requesting this company to validate this debt! I think theres a mix up with someone I currently have an active account with XXXX XXXX XXXX I have bill pay this isnt my account m!!
10/14/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MO 65301	Web
Credence keeps calling my work and hanging up without saying anything! They have done this multiple times throughout a 3 month span. I've talked to them on my cell phone when they call and I've asked them to email the info as well as website to make payments with nothing sent.
12/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53051	Web
Credence keeps calling but does not verify the debt, just keeps calling even when asking for verification and they contact others about debt. They do not send verification or anything, and they keep calling from all sorts of numbers. I only know since the spam id verfies them.
11/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77450	Web
I requested the debt be validated with signature and complete account information and they they sent me a statement with only the amount without original contract, signature, or account information. They did not respond to any of the items or information in which I requested.
04/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 339XX	Web
CREDENCE RESOURCE MANAGEMENT IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92020	Web
I have been emailing this company about this fraudulent account and how I was XXXX at the time the account was open and I sent in Federal Documents stating my XXXX. Account Name : Credence Resource Mana Account Number : XXXX Account Open XX/XX/2021 Account Amount {$490.00}
08/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11215	Web
CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX is reporting inaccurate information on my XXXX file. I have tried to contact both Credence as well as XXXX but have been unsuccessful in my endeavor. My name is XXXX XXXX NOT XXXX XXXX XXXX.
03/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55428	Web
Credence resource called me about a XXXX XXXX debt that i need to settle it and delete it off my credit report after payment.Debt has been paid off or settled but they will not take it off my record and still trying to call me to collect the debt that i have already settle.
12/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77067	Web
XXXX keeps saying i owe XXXX on a phone i bought in cash fir XXXX had service for three months and on the 4th month unlocked and left company they then tried to bill me fir service i was no longer using and gave been harassing me since messing up my credit on false charges
04/30/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 195XX	Web
On XXXX XXXX XXXX XXXX XXXX opened a collection account for my phone bill. However the issue I have now is that they just added the same collection onto my account again on XX/XX/2023. Not only is it the wrong amount this time but are they even allowed to do this again???
08/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70560	Web	Servicemember
Theres an account listed on my report from credence resource listed on my credit report for XXXX XXXX this is not and has never been my account this is fraudulent. This is my 5thtime disputing this account only to have it removed from my Breaux and sold to another company
11/19/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48235	Web
I believe the company 's name is Credence Resource Management. The phone number is XXXX. They call me every business day and don't leave a message ; the latest call was today XX/XX/2018 at XXXX. I believe they are calling for the person who previously had my phone number.
06/25/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 334XX	Web	Servicemember
I have been harassed by a gentleman calling me up to 3 times a day. The bill that he is calling about is not mine. I am listed as an emergency contact. Last conversation I was repeatedly badgered from a block number. I was called a clown and my livelihood was questioned.
01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30350	Web
XXXX & Credence Credence continues to re-age an charged off account and XXXX continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XXXX/XXXX/2018.
02/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	WI 54952	Web
Credence resource management XXXX Refused to withdraw my debt authorized consent stating why would I want to burden my husbands credit. and I as his wife should be aware that 's what I would be doing that to him if I do n't agree to the terms of non payment of this debt.
09/01/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92503	Web
CREDENCE EXCELLENCE BEYOND BELIEF PROCESSED MY PAYMENT TWICE AND I HAVE BEEN TRYING TO GET THE REFUND FOR OVER A MONTH. I KEEP GETTING THE RUN AROUND AND HAVE PROVIDED PROOF AND STILL NO REFUND. THEY COULD BE PROCESSING DOUBLE PAYMENTS FOR A LOT OF ACCOUNTS. WHO KNOWS.
12/14/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	SC 29210	Web
This company Credence Resource Management calls daily from different numbers. They have called after XXXX before & called on a Sunday. Today XX/XX/2021 at XXXX... they called XXXX times in XXXX minute. The number that called me XXXX times in XXXX minute was from XXXX.
05/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84025	Web
Credence Rm - XXXX - is reporting on my credit after my discharged bankruptcy, for a debt that was included in my bankruptcy. They are in violation of the bankruptcy stay. They put the collection on credit XX/XX/XXXX and the debt was included in my XXXX chapter XXXX.
09/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22554	Web	Servicemember
I recently noticed Credence Resource Mana on my consumer reports. I reached out and sent letters and the company failed to respond. I am again informing the company that I dispute this alleged debt and demand verification of this alleged debt pursuant to federal law.
10/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30114	Web	Servicemember
Credence Resource Management Acct # XXXX stated I owed XXXX. This was paid back on XXXX/XXXX/2018 by XXXX due to the driver being at fault in the car wreck. They refused to give me a bill. I had to spend 3 hours at the hospital getting the bill to show this was paid.
09/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29209	Web
Two separate companies have attempted to collect a balance on the same debt. The debt originated from XXXX XXXX XXXX. They have also reopened the collections so it will stay on my report. My credit report says the debt started in XXXX, but in reality started in XXXX.
03/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29405	Web
I have ask Credence Resource Manage multiple times to remove this collection of my credit report, I've turned in the XXXX internet equipment since XXXX and this company has refused to remove this off my credit report. This is really unacceptable and Unprofessional.
08/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44137	Web	Servicemember
I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt
01/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 322XX	Web	Servicemember
XXXX has been charging me for phone services, i once had XXXX in 2015 but i had my account on hold because i was XXXX, my identity was stolen when i left for XXXX now they are saying i owe XXXX. I just want this debt erased under the SERVICE MEMBERS CIVIL RELIEF ACT
11/12/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30092	Web
CREDENCE RESOURCE MANAGE This company calls me about 4 times a day. After telling them in XXXX to stop calling. The debt they say I owe is not mine and I have stated that to them several times. I want them to stop calling and this debt DELETED FOR MY RECORD/ REPORT
01/30/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 87505	Web
The company started calling me daily, never leaves a message. I answered once and someone who sounded like they were in XXXX kept saying hello. This has been going on for months. I have never received any demand letter as per the FDCPA. Just repeated phone calls.
11/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 148XX	Web	Older American
noticed on Credit report I have been sent to collection for dept I do not own. Company : Credence Resource Manage. Noticed debt XXXX Amount of Debt {$300.00} from XXXX XXXX Account opened in XXXX, Ohio. Noticed another listing but don't have any other information.
01/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77074	Web
Account was disputed on XX/XX/XXXX. Account has failed to be removed. Spoke with agent on XX/XX/XXXX at XXXX XXXX and was provided a fax number of XXXX to provide identity theft documents and was reassured that my dispute will be processed within one business day.
09/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
I am being charged for an account that I didnt open or use. It is on my credit report as a derogatory account and it does not belong to me. It apparently is a cable or phone bill, I was not living at this address at this time. It was opened in my name or something
04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 42101	Web
Complained about this company before they are based in XXXX but this call is another one of their affiliated offices in XXXX. Constantly calling me almost every day including weekends. Never leave messages. I need this to stop. Had another call today. Sick of it.
08/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 480XX	Web
Credence Resource management is attempting to collect a debt that Receivables XXXX is trying to collect as well. This is not even right! One of these companies need to remove themselves. Ive never spoken to anyone at credence resource. I never received a letter.
12/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95111	Web
On XX/XX/18 I got a notice from XXXX for a late payment of {$2100.00}. I shouldnt of been charged for this because I was a passenger not at fault. I contacted my insurance company and XXXX to clarify my information but had no resolution or notice was confirmed.
03/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63385	Web
After review of my XXXX credit report, I noticed a collection account posting in the amount of {$980.00} reported by Credence Resource Management. I am unaware of this debt and this company is reporting this debt without providing me the initial notice of debt.
11/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30101	Web
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
09/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 352XX	Web
On XX/XX/2019, I checked XXXX XXXX and my score dropped 70 pts. I clicked the option to see whats changed on my account and it stated something about direct tv. I dont recall having any interactions with XXXX XXXX. Might have been a family member, I dont know.
12/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20602	Web
I became aware of this collection account once I applied for a new mortgage due to the impending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.
05/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OK 741XX	Web
Credence Resource Manage ran my credit and it drop I don't owe them or anyone thing from them to run my credit my score drop because of it. It shows inquiry no company or debit I owe on it. Haven't apply for anything or use my social or anything for anything.
06/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32757	Web
Changed cellular service to XXXX in XX/XX/XXXX, paid final XXXX XXXX XXXX cellular phone bill XX/XX/XXXX and closed my account. Credence Resource Management has an open date for XX/XX/XXXX and a balance updated date of XX/XX/XXXX for a debt that is not mine.
09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95827	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
04/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28214	Web
Credence collection agency refused to mail or email debt and would not give information about debt. Called from various different numbers that appeared to be in my area and could not give information about company so I would know its a legit debt collector.
07/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35173	Web
Received a letter from Credence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX www.credencerm.com About a XXXX XXXX XXXX bill for {$300.00}. That I do not owe. Mail payment to Credence Resource Management , LLC XXXX XXXX XXXX XXXXXXXX, MI XXXX
06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60438	Web
There is a company that keeps being put on my report, I have stated several times that I am not aware of this company yet, it keeps getting placed on my report. I have contacted the company and the credit bureaus for this to be corrected with no resolution.
10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43227	Web
After looking over my credit reports, I've noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with this company. The following account is listed below : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX
05/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77586	Web
This company CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX added to my credit report a XXXX debt with XXXX on XXXX XXXX that debt was settled with XXXX more than 9 years ago. they added this item knowingly, just to hurt my report. Thanks!!
09/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33614	Web
This fake agency claiming to be a collection agency. Theyre telling me I owed money to XXXX XXXX XXXX and they keep reporting to credit bureau. There are many complaints against Credence Resource Management and XXXX supposedly had nothing to do with them.
04/11/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33604	Web
This phone number calls about 90 times in one month, three times a day every single day. They leave empty voicemail every single time, with no information about the debt or how to contact them, for forcing us to delete dozens of empty voicemails every week.
11/03/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL 62269	Web
I am making regular monthly payments on this account. This company calls me daily. I have asked them repeatedly to stop and blocked several numbers. They have also reported this to my credit report as deragatory even though I am making regular payments.
08/24/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 10306	Web
Company : Credence Phone number : XXXX ( XXXX ) XXXX Date & Time : XX/XX/2022, XXXX I do NOT owe this company any money, never even heard of them, and I have no debt! They keep calling and when I answer they hang up right away! Straight out harassment!
04/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 981XX	Web
I found a collections account on my credit report that I dont believe is mine or was from well over 10 years ago. I was never contacted by the collections company before they added this to my credit report - no letters or any information was sent to me
09/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94523	Web
I received an EOB from my healthcare provider, I spoke to the debt collector Credence Resource Management who told me to pay the amount I owe as per the EOB and Email them the EOB. I did this, and am now still being chased for extra money I do not owe.
04/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89147	Web
This company has reported a negative mark on my credit stating I opened an account during covid 2021, which is untrue. This mark is negative, and they failed to provide me with the paperwork showing I signed for this account. This account is not mine.
01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
04/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35749	Web
I requested that Credence Resource Management validate an account for XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.
09/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80022	Web
I received a letter from CREDENCE over the weekend saying I have a collection from XXXX XXXX. I have never used their service, this is not my collection and this derogatory account caused my score to decrease. This account shows opened XXXX of 2020.
02/13/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK XXXXX	Web	Servicemember
Credence Resource Management whoever this is totally blowing up my cell phone 7 times to be exact yesterday on XX/XX/XXXX for unknown reasons nothing ever received from them. From multiple phone numbers one being XXXX and not leaving a message etc.
10/14/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 34759	Web
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.
09/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
There is an unrecognizable XXXX XXXX XXXX collection on my credit report dates XXXX XXXX with a balance of {$340.00} which is due to fraudulent activity. I am disputing this item and requesting it be removed immediately as it is not verifiable.
03/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87144	Web
i recieved collections notice XX/XX/2022 for a debt i had paid for in the last couple years. the problem im having is i paid this debt with a checking account with the bank XXXX XXXX. they are no longer a active bank and i cant find the records.
07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94533	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
09/22/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	DE 19711	Web
-They are trying to get me to give them my social security number and other personal information. I want them to stop harassing by phone. - Also, I am concerned that they might have recorded me without my consent, which is a felony in my state.
08/11/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73115	Web
2 different collection agencies reporting delinquent phone bill from the same XXXX XXXX XXXX bill and neither of them have put in the date of last activity ( the last day i did anything with the credit grantor ) Credence ResourceXXXX XXXX XXXX
08/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70806	Web
Credence Resource Management contacted me without my consent and attempted to collect an alleged debt. They did not disclose to me I had a right to dispute. When I learned my rights I sent letters in which they did not respond within 30 days.
05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90706	Web
Credence Resource Management is representing a old as a Current debt and trying to collect on it... The debt was from XXXX XXXX. They have reported it to XXXX credit company, as pass due as of XX/XX/2023 ... That debt is over 10 years old...
09/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35810	Web
Credence Resource management just showed up on my credit reports. Never received anything to dispute dont even know whom this company is. They are not XXXX XXXX compliant. They are violating 15 USC 1681 and 15 USC 1681 e ( b ) in doing this.
02/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97302	Web	Older American, Servicemember
Have been received calls from someone claiming I owe {$260.00} from a uncollected debt with XXXX XXXX. Have not had an account with them for at least 2years. Cleared all debts with them. The calls are aggressive wants my credit card number.
07/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 760XX	Web	Older American, Servicemember
I received a notice through XXXX XXXX that my credit dropped 20 points. I checked my credit report it showed that Credence Resource Management had file a discrepancy on my credit report for a debt that I do not know and do not owe any debt.
10/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AR 726XX	Web
Credence Resource Management LLC is calling me XXXX times everyday about a debt I do not owe. I have written them a letter telling them to stop all communication attempts with me to no avail. Their address is XXXX XXXX XXXX, XXXX, MI XXXX.
04/11/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CT 06118	Web
I am not liable for any debt with Credence Resource Management and have no contract with them. They did not provide me with the original application like I asked and they repeatedly call before XXXX and after XXXX XXXX and on the weekends.
10/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30329	Web
I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I Presume that no proof of the alleged debt, nor therefore exists under my identity. account is already closed and charged off.
11/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19144	Web
Credence RM is sending me letters stating I owe XXXX-XXXX money which is the amount of {$1000.00} but have failed to verify the debt and amount that I owe. I sent a certified letter asking for verification and they have failed to do so.
09/14/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32174	Web	Servicemember
Between XX/XX/2019 and XX/XX/2019, a new account in collections was added to your report. The collection agency is CREDENCE RM. The original creditor was XXXX XXXX XXXX. I NEVER HAD THIS ACCOUNT -- -THEY NOW PUT IT ON MY CREDIT REPORT
08/23/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 93309	Web
Creedence resource management is calling non stop from multiple phone numbers. They've called from the following numbers : XXXX XXXX XXXX XXXX I have previously reached out to the creditor to fix this issue and had been making payments.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30038	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
03/16/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA XXXXX	Web
Tax ID # XXXX Credence Resource Management is using fake names with their off shore call center. They refuse to give ID # for the business as well as refusing to give address for call center so you can file an international complaint.
08/24/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 344XX	Web
This company has called me 2 to 3 times a day every day for at least 2 weeks. I have called them multiple times and asked them to stop calling me. They said they wouldn't call again, but they still do. I feel like I'm being harassed.
06/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 949XX	Web
Credence Resource added an old XXXX bill to my credit that is not mine. I have not received any information from Credence, nor have they attempted to call me. I'm disputing the debt and demanding this be removed from my credit report.
08/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 021XX	Web
Credence was sent a debt validation request and all they sent back was that the debt was verified. I was never sent any proof from the company that the debt is mine ( no statement, billing information nor anything with my signature ).
04/01/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30092	Web
I sent out a Demand letter for Robocalls to stop from this business. They called me 5 times regarding this issue without my consent. I did not give this company consent or I did not provide my phone number to this company to call me.
01/05/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78221	Web	Servicemember
This company called me threating repeatedly about a debt that does not belong to me. I informed them on that and they still were persistently making false accusations. I noticed they applied an account that is not mine to my reports.
08/06/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33612	Web
Credence resource manage {$370.00}. XXXX I had XXXX from XXXX XXXX I had complaint about the constant over heating of the phone. I had ask better solution to this problem and I was given a replacement phone which did the same thing.
09/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77035	Web
I've repeatedly ask that this Credence Resource Management provide me the necessary information pursuant to 15 usc 1692g legally it is my right that I'm provided this information also a statement of bills are not validation of debt.
08/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90221	Web
On Friday XXXX XXXX, 2017, I received a debt collection letter in the mail stating that I owe {$1700.00} from Credence. I have never signed a contract with XXXX for telephone service. This debt does not belong to me nor is it valid.
09/19/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	WA 990XX	Web
the guy said my credit card number so many times I had to ask him to stop saying it he had it the first time. he gave up the expiration date and the XXXX digit code om the back. if i get any unwanted charges on it it came from them
02/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92104	Web
I got an email this afternoon from Credence Resource Management , LLC, and they had sent me a fraud packet that I cant even access. I think they may have emailed the wrong person or are trying to collect debt that I dont even owe.
01/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48035	Web	Servicemember
My XXXX XXXX XXXX account was cleared to XXXX but a fraudulent group impersonating a collections company, named Credence, has contacted me multiple times by phone and mail asking for me to pay my debt to prevent any legal issues.
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 492XX	Web
They have violated the FDCPA. They did not provide adequate validation of this debt. I have all communications in writing and everything was sent certified mail. I tried to upload the documents but it would not allow me to do so.
06/25/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY XXXXX	Web
credence resources I sent letters from my XXXX and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
10/28/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 95351	Web
a person by the name of XXXX XXXX and XXXX called my mothers phone number saying that I owed a dept and that I had to call them at following number XXXX I do n't know which company this is and how they got my mother phone number..
02/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33071	Web	Older American, Servicemember
I received a negative report on my credit for. Debt I know nothing about never contacted as had art account auto pay for more than 3 years it might be debt owed by my deceased spouse? Nobody ever contacted me by mail phone email?
12/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30263	Web	Servicemember
In XX/XX/2022 I received an alert that I have a collection account from XXXX however that cant be because I have a current account with them and I havent missed a payment from any account in over 25 years. This is not my account.
07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 146XX	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
08/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 329XX	Web
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1100.00}
01/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
12/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85015	Web
Ive disputed this account before because it is not mine. Ive never had phone service with XXXX XXXX XXXX. The dispute resulted in having the account removed. They have added the account to my credit report again, causing damage.
07/30/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33027	Web
CREDENCE RESOURCE MANAGE has engaged in harassment by abusively calling the above mentioned number numerous times every day of the week without relent. These calls start as early as 7 am and don't stop until as late as bedtime.
03/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33055	Web
I had a XXXX service and I had a deb with them that was paid trough a 3rd party company CREDENCE RESOURCE MANA the debt was paid to this company for about 2 years now and they still showing in my credit report as not action.
04/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ XXXXX	Web
I received a letter dated XX/XX/2022, from Credence LLC stating I have an alleged debt that they have overtaken. They are asking for me to send them {$1500.00} to resolve a so-called account that their company has taken over.
05/27/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MI 496XX	Web	Servicemember
Credence resource management continues to call and ask for someone that i do not know. I have repeatedly told them that they have the wrong number and I do not know anyone named XXXX something. They call multiple times a day.
11/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 10473	Web
I called XXXX XXXX XXXX and notified them that I wanted to cancel my phone service. They gave me a cancellation fee which I paid and I have a confirmation number. Months later I received a collections bill from XXXX XXXX XXXX
04/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19119	Web
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. CREDENCE RM ( Original Creditor : XXXX XXXX XXXX ), balance is {$730.00}, and account # XXXX.
10/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 764XX	Web
There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX child case. Some of my name 's showing are wrong. Derogatory marks from a bank
02/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33056	Web
Credence resource management keep calling my phone all day every day i don't answer my phone. i know i don't owe no credit cards or no bills i check my credit report and a debt collection agency put a XXXX bill on My Credit.
09/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 337XX	Web
credence resource management LLC XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tried to collect on a debt that was on my recent bankrupsey. I gave him my attorney name. it was a medical bill for XXXX XXXX. Their phone number is XXXX
04/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89134	Web
This amount was paid when I switched from my personal account to my business account. This amount that is trying to be collected should never be a debt. I still have current running service paid monthly on time with company
12/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29505	Web
This account from CREDENCE RESOURCE MANAGE for {$270.00} was added to my credit profile without my knowledge. I do not own this account and it was never verified with any parties. Please have the account removed. Thank you
08/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37167	Web
I am not liable for this debt with XXXXXXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. Account XXXX : XXXX Amount Disputed : {$220.00}
08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11225	Web
Credence RM is reporting a fraud acount on my credit. I didnt open this account nor did I authorize anyone to open it on my behalf Please note the attahed FTC reporta and my driver license. Plese remove it from my credit
07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 626XX	Web
My identity got stolen and someone from XXXX Arizona opened XXXX XXXX account in my name I have never been to Arizona! I had no idea this was going on Until it appears on my credit report and a collection please help me
04/15/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76244	Web
they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.
04/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11212	Web
Phones were fraudulently taken out under my name and as a result i ended up having to owe this debt. After having this debt removed it has poped up on my credit reports again after solving the problem in the beginning.
05/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75219	Web
This alleged account keeps getting removed and put back on my credit report, however, they have failed to provide any documents connecting me to this account NOR have they responded to any of my request for validation
06/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 346XX	Web
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$4800.00}
09/15/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63303	Web
Every hour to thirty minutes I am receiving calls without a voicemail and it appears to be Credence Resource management. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/21/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 65616	Web	Older American, Servicemember
My complaint is about the bill from XXXX XXXX XXXX. XXXX XXXX XXXX defaulted on our agreement. XXXX XXXX XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.
08/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94903	Web
Collection/Debt is not mine. {$220.00} is the amount that CREDENCE RESOURCE MANAGEMENT is asking for. I called to dispute with CREDENCE RESOURCE MANAGEMENT and they could not find me by my social security number.
06/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33993	Web	Servicemember
We had XXXX XXXX and it didnt work so we canceled and paid and never heard back and then noticed a collection on my credit report. They didnt even send a letter or call or anything before putting this on my report.
05/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78752	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
02/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30338	Web
I am not liable for this debt with XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. Account NoXXXX Amount Disputed : {$860.00}
10/30/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 436XX	Web
I have been getting repeated calls from Credence for a bill and also from XXXX XXXX. These calls are occurring multiple times a day and they are hot leaving a message. Credence called twice in a two-minute period.
07/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 338XX	Web
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : XXXX
05/14/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 970XX	Web
Credence Resource Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
06/22/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27526	Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$780.00}
11/30/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	KS 67212	Web
Credence resource management is re-aging a past debt that was removed and it has damaged my credit they havent sent any account information for debt and i would like to have the debt removed and credit repaired
09/22/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 100XX	Web
Credence Resources is name of debt collection company who called and emailed several times after they were told numerously not to. Also blocked and then received spoof and neighboring-spoof calls right after.
06/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60462	Web
Credence Resource Management is calling me looking for someone I don't even know. I would like them to stop. I have told them it's the wrong number but they called again XX/XX/22 at XXXX XXXX CDT from XXXX.
02/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19111	Web
Credence Resource Management reported a debt that does not belong to me without sending proper disclosures giving me the right to dispute the alleged debt. I want the debt removed from my report immediately.
10/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60607	Web
I abhor this! I have already spent a significant amount of time emailing disputes and filing complaints, but I have yet to see any outcomes from my disputes. This is causing me significant pain and stress.
05/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30141	Web
XX/XX/2019 an account appeared on my credit report in the amount of ( {$1000.00} ). Ive tried disputing this information but was advised to file a consumer complaint as well as an identity theft complaint.
03/25/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web
I recently received a letter from this company demanding payment. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
04/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30144	Web
I contacted the debt collector and they sent over a leter saying they verified it. They did not send anything else to say what they did to vefify it. ALl 3 credit bureaus did not provide any proof either.
03/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 558XX	Web
{$570.00} credence resource Management LLC is debt collector XXXX XXXX XXXX XXXX is the original. I have filled out tow Fraud packets for this company. But XXXX XXXX XXXX keep switching debt, collectors.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 148XX	Web	Older American
Credence Resource Management has fraudulently sent my name to collection. I have been harassed by phone calls for months for bills I have never received or never have incurred. They claim I owe {$300.00}
04/21/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 21229	Web
They keep harassing me by calling me repeatedly. I've told them to stop calling me and they continue to do so. I block one of their ohone numbers and they continue to call me from different phon numbers.
06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44118	Web
Letters were sent to credit bureaus regarding this account not belonging to me due to lack of validation and there has been no communication regarding where this debt is from. The debt is not verifiable.
12/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11354	Web
I note that there was a collection on my credit report which I do not recognize. Here is the info of this collection agency : CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX
08/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37167	Web
I am not liable for this debt with XXXX XXXXXXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. Account No : XXXX XXXX XXXX : XXXX
06/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 155XX	Web
XXXX XXXX XXXX CLAIMS THEY GAVE THEIR SERVICE TO ME IN THE STATE MICHIGAN. I HAVE NEVER BEEN IN THAT STATE SO I AM NOT THE ONE THAT THEY GAVE THAT SERVICE TO .SO I FEEL I AM NOT THE ONE TO PAY THIS BILL
06/29/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55430	Web
i disputed this XXXX bill. i was a victim of identity theft. the last collection agency was notified and it was removed from my credit. i would like this removed and blocked from my report immediately
04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
CREDENCE RESOURCE MANA Original creditor : XXXX {$620.00} Balance updated XX/XX/XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance on XX/XX/XXXX {$620.00}
12/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11224	Web
Account Name : CREDENCE RESOURCE MANA XXXX Original Creditor : XXXX Open Date : XX/XX/2018 ( For Creditor ) Balance : {$1500.00} Debt : {$1500.00} Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
05/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19104	Web
Account was open as a result of fraud. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported bv any evidence.15 USC 1692 ( g )
05/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 234XX	Web
I just got an alert about a debt on my credit report. I am disputing the debt as it is not mine. I received no notice to dispute the debt and this is a violation of my rights. I do not owe this debt.
12/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94102	Web
A Fake XXXX XXXX XXXX account was opened using my name and social. I attempted to resolve this problem with XXXX XXXX XXXX directly but they refused to remove the claim even though it was fraudulent.
03/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10459	Web
i am a victim of the XXXX data breach which compromised my information and as a result they are reporting unvalidated information on my report that isnt mine. this account is currently in litigation
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10452	Web
i never had any interactions with either company. my information was in a data leak, i tried to get a lawyer but it cost too much, i called the company 's multiple times only to speak to a machine
10/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 805XX	Web
This new collection appeared on my credit file which I do not have a new XXXX collection. I have fought this same thing with a prior agency and now it appears again with a new company. Please help
03/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90221	Web
I have a collection reporting on my credit that I do not owe. And collection is reporting as an open account on my credit report. This is a fcra violation. Please delete this off my credit report
01/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48205	Web
I have reached out to Credence Resource Management requesting information that I have yet to receive. As a federally protected consumer, Credence Resource Management is in violation of my rights.
04/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 162XX	Web
Company called credence resources called demanding money today or will be on credit report. Refused to give me XXXX XXXX number to verify this. Received nothing in the mail regarding this either
01/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 532XX	Web
Sent out a letter advising of dispute and requesting the validation of this debt, with certified mail tracking # XXXX XXXX XXXX XXXX XXXX, request letter forward expired and request was ignored.
12/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32824	Web
I notice some accounts and inquiries on my credit report that I did not open on my credit report CREDENCE RESOURCE MANA Original creditor : XXXX XXXX {$2300.00} Collection opened XX/XX/2020 2020
03/13/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75228	Web
They have called non stop i ask them to not call me especially when im at work i was almost fired over the calls i was in a meeting they always say i promise to not call again but they still do.
04/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WV 26003	Web
Constantly calling my house about a debt I DO NOT OWE. I am NOT responsible for anyone else 's debt. Repeatedly have contacted them on their website to tell them this, yet the calls keep coming.
08/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web	Older American
I have received a letter from Credence XXXX XXXX XXXX, a collector company stating that I owed XXXX from an account that was open and credited to my name. This account was fraudulently opened.
03/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75104	Web	Servicemember
Account still showing a a collection on my Credit Reporting Agencies. I negotiated a pay for deletion, however, agency never deleted. Please delete as agreed up and make me whole again. Thanks.
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48504	Web
Date placed : XX/XX/2020 Amount : {$1200.00} Actions taken : Dispute was filled and the XXXX XXXX XXXX collection still shows on my credit report. Information still shows inaccurate collection
12/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 199XX	Web
XXXX claiming there is an inaccurate debt owed that was already paid prior to services being terminated. Debt collection agency still calling multiple times a day attempting to collect a debt.
03/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20737	Web
I never had an account with the original creditor. I have no knowledge of this debit or the creditor. I believe that someone has stolen my identity. This account was opened in another state.
06/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33542	Web
never used the XXXX XXXX XXXX service they lied about how much my service would be then charged me more cancelled same day within minutes of opening account never used the phone or anything
03/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 42101	Web
Constant calling. Calling at all hours. Do not owe anyone anything. Credit rating is in the 800s. Never leaves messages. Just want it to stop. Credence is the name of the caller. Please help
12/17/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77024	Web
This agency keeps calling us after numerous attempts to ask them to stop calling. We've given them each of the phone numbers routed to our phone lines. We receive at least 25 calls each day.
02/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 744XX	Web
I have no knowledge of this debt. It does not belong to me and I have never been contacted by neither the debt collection agency or the original creditor to verify the accuracy of this debt.
04/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 379XX	Web
XX/XX/15 XXXX I disputed with credit report and still being contacted as owed. I asked for proof and havent received it. I dont want this collection added to my credit report ( Credence XXXX
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30034	Web
Again and again, this account is still here. Are you really not seeing this? This is incomplete account and I did not have any transaction with this company.Please remove this immediately.
04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46236	Web
XXXX has an account on my credit report thats not mine. Ive tried several times to dispute it, but got no luck. Its XXXX dollars, why would I fight that small amount if its mine. Its not.
10/19/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 312XX	Web
I have repeatedly asked this company to stop calling. I have requested verbally and in writing for this company to provide me with proof that the account is mine. I have received to date.
05/27/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 14150	Web
Credence Resource Management has been calling me a harassing number of times. I have asked them to not call, but I still get 3-5 calls in a day, up to 14 calls once during a 7 day period.
01/21/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been trying to reach to this company about this alleged debt but I havent gotten their response so here I am seeking help to the CFPB and Atty General to get this matter resolved.
06/15/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85204	Web	Servicemember
they keep calling even after i tell them this is a business line and i am not allowed to have personal calls, they threaten me with legal action but don't explain about what nor who for.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28358	Web
My identity was stolen and they open a account that I was unacknowledged of. I have contacted the fraud department someone else name and address pop up under my social and phone number.
01/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 945XX	Web
Credit Resurgance said I opened an XXXX account in XX/XX/2021 and I havd never owned XXXX for about 10 years so how can it be possible to verify this debt to prove that I owe nothing
07/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53219	Web
Phone call prompting to call XXXX, when they use a fake caller ID number XXXX. The name they ask for is an unknown person to me. I've told them this, and they continue to harrass me.
02/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75070	Web
I have contacted the company directly and they refuse to remove when it is not my account. When asked they can not provide any documents that show otherwise. They become belligerent.
05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 151XX	Web
Debt that I disputed last year and had removed successfully from my bureaus shows back up with a different company trying to collect same debt that I proved previously I didn't owe.
02/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
Every year about this time a debt collector contacts me and saying I owe XXXX XXXX XXXX {$10.00}, XXXX. I do this every year and it hurts my credit score. I want it permantly fixed.
12/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92020	Web
This company keeps adding this collection and removing it as they see fit. each time i have them remove it they come back 9 months or so later and add it right back. this is not me.
05/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC XXXXX	Web
XX/XX/2022, CREDENCE has broken/violated consumer law. I want monetary relief. I have written a affidavit of truth stating the facts of which laws have been broken by this company.
11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80209	Web
Credence Resource manage bought my debt from XXXX XXXX XXXX XXXX XXXX who already acknowledged it was not valid with XXXX, these people doesn't do their job toward verifying debts!
10/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web
I login my credit I find some items on my credit report thats not mine CREDENCE RESOURCE MANAGE Last reported XX/XX/2022 {$10000.00} Open balance XXXX XXXX XXXX Original creditor
08/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20721	Web
On XX/XX/XXXX I sent a U.S Certified mail to their place of business in an attempt to retrieve proper validation of said debt but have not received a response yet as of XX/XX/XXXX
11/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06811	Web
I see a credence rm derogatory mark on my credit report. I do not have this debt and have never been approached about owning this money. I have all my bills and credit lines paid.
02/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 91205	Web
I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.
11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10956	Web
I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.
03/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77047	Web
I have disputed this and the information that's on my credit report is not correct. The dates and activity are all different. the information is not correct across the bureaus.
10/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33012	Web
This is a dispute and claiming a collection that was mistakenly placed on my credit report by XXXX XXXX XXXX XXXX' and " CREDENCE RESOURCE MANAGE '' in the amount of {$210.00}.
03/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70114	Web
A debt was placed on my credit report damaging my credit score in the amt of {$110.00} when I nvr opened an account on XX/XX/21. I never recd communication regarding this debt.
02/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	VA 22407	Web
The dept collector, Credence, used my daughters cell number to contact us. Did not give correct return phone number. Caller was very abrupt and did not respond to my questions.
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44130	Web
I filed a Identity theft report and sent it to company and XXXX credit bureau. ACCT. # XXXX. AMOUNT IS FOR {$1100.00} from XXXX XXXX being collected by Credence Reasource Mgt.
08/26/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 464XX	Web
I had an account with XXXX and they sold it to the collection agency without my permission and now the collection agency Credence is calling everyday after I told them not to.
05/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 484XX	Web
Continue to call daily, to XXXX and XXXX I have asked for verification of the debt by email and by mail. Demanded they dont call again until I can verify this is a valid debt.
05/20/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 287XX	Web
XXXX they tell me they want to to speak with me that it's a business matter I told then I dont owe them any money and they keep calling every morning they are scamming people
07/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33712	Web
I received a notice that this company will no longer be pursuing this account, because they are not able to verify the " debt '' but it it still showing on my credit reports.
01/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60628	Web
On XX/XX/2022, I received another letter from a collection company Named Credence Resource Management , LLC for a debt that I do not owe them which damaging my credit score.
01/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08618	Web
On the date of XXXX XXXX I received a notification about my credit score stating that I owe {$5100.00} to Credence Resource Manage . The original lender was XXXX XXXX XXXX.
11/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70363	Web
I received an alert that a collection account was added to my credit report! Ive never done business with nor have I ever been contacted by this company about this debt!!!!
03/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33433	Web
These company reporting on XX/XX/XXXX {$380.00}, XX/XX/XXXX {$770.00}, XX/XX/XXXX {$1500.00}, and XX/XX/XXXX {$160.00}. I sent them letters letting know these are not mine.
04/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44035	Web
XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXXL XXXX XX/XX/XXXX {$2100.00}
01/29/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30078	Web
A company called Credence LLC calls daily. They will not say what the issue is about, so I hang up or block their number. They just call from a different number each day.
12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92337	Web
The company agreed to request the deletion of the account with the credit bureaus after I paid the settlement offer. Instead, they are reporting it as a past-due balance.
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33060	Web
I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.
08/24/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75006	Web
My credit has been deducted 85 points for and fraud saying I owe XXXX dollars and I have never opened an account with credence resource management ever and it's a fraud.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29203	Web
I filed a dispute with the company in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
11/17/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77025	Web
This company calls me at least twice a day, and sometimes 3 or 4 times a day, every day of the week. They far exceed the 7 calls they are permitted to make every week.
08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95827	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
06/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95610	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
05/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33604	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97405	Web
This is a fraudulent phone account. I did not open this. I have no other details. I am unaware of the phone number and email address used to open this account as well
02/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75010	Web
CREDENCE RM is trying to collect debt that is not mine for the amount of XXXX $ the first day of report was on XX/XX/2021 and the last activity day was on XX/XX/2021.
05/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19138	Web
XX/XX/2018 {$720.00} This is the first action Ive taken. The company has sent this balance to a debt collection agency without my knowledge of knowing about the debt
07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 066XX	Web	Older American
I have tried to dispute p [ roviding police report and they keep selling same debt to different collection agencies perpetuating their error and refusing to correct
04/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10472	Web
Date : XX/XX/2020 Amount : {$630.00} I have sent two disputes and this company has been negligent, not specifically not giving me what I am specifically requesting.
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web	Servicemember
I've identified information on all my reports that are a result of identity theft, these items are not related to any transactions completed by me. SEE ATTACHED
03/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 325XX	Web	Older American, Servicemember
Said I do not have to pay this month bill due to hurricane damage on phone bill and 2 year later after disconnected from service saying I still owe for that month
12/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07047	Web
I have received multiple debt collection letters seeking that I pay a supposed debt without including any proof or verification that this is correct or even mine.
08/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33134	Web	Servicemember
this account was approved to be deleted as per fcra regulations on XX/XX/2020 account still appears on all 3 credit bureus and it is extremely hurting my credit.
09/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77035	Web
Company has failed to provide specifics on whom validated this which has to be provided to me under attached is a letter I have sent that has yet to be answered
12/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19152	Web
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.
06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 336XX	Web
A collection account is now listed on my credit and after numerous attempts to get the collection agency to validate the debt they have still refused to do so.
06/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08087	Web
I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.
09/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60636	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30083	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19701	Web
I keep getting calls from Creedence as well as my sons ( XXXX & XXXX ). They call us at least 2 times a day each for a debt that doesnt belong to any of us.
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43612	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43614	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WI 53218	Web
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
09/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30236	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.
08/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WV 266XX	Web
They keep calling about a cell phone debt that I owe, which I do, however XXXX XXXX XXXX said this company does not have my file and I feel they are a scam.
03/22/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92870	Web
Repeated harassing calls. I ask this company to give me more information regarding the debt they are trying to collect but could not provide it in writing.
12/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92105	Web	Older American
I keep getting repeated phone calls to collect a debt for someone that does not reside here. Thus has been on going for a Long time and is really annoying.
01/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60426	Web
This Account popped up on my credit, but I did not apply for this account. This account is an identity theft Account and it needs to be resolved thank you.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60615	Web
I want you to verify this debt as i don't have any accounts with you? if unverifiable please remove this account from my credit report as soon as possible
10/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 315XX	Web
Credence Resource Management is reporting a fraudulent account on my credit. The original creditor is XXXX and the account is a result of identity theft.
04/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10034	Web
Opened on XX/XX/2021, The amount of {$220.00} others is the charge.I have already disputed this and it was removed and they continued putting it back on.
12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70131	Web
Account is not mine, had already resolved with another company. Now they have caused me to lose a mortgage approval, over an account that was never mine!
04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07304	Web
A collector collected over XXXX XXXX dollars for a account open or used fraudulently and need this issue resolved immediately its killing my credit score
11/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34997	Web
So I disputed this claim with XXXX XXXX and they removed it and then went a sold it to Credence Resource Management. This is fraud and not my accountant
02/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91741	Web
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
02/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 009XX	Web
Account opened in my name and fraudulent, I never had a service with XXXX XXXX. Not sure where and when this account was opened. All I know is not mine.
08/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07032	Web
CREDENCE RESOURCE MANAGE I DON'T KNOW WHY XXXX XXXX IS CHARGING ME THE AMOUNT OF {$1000.00}. I CALL THEM LONG TIME AGO AND THEY NEVER SENT ME ANYTHING.
09/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 414XX	Web
It says this account was opened in XXXX of 2022, however I have never had an account with this company and did not open a new account in XXXX of 2022.
10/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77301	Web
Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76116	Web
Credence resource management shows on my XXXX XXXX that I failed to make a payment. I have never opened an account with credence resource management.
05/24/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85282	Web
I have told them that I don't know what they are talking about and I don't owe the anything. They have the wrong person. They call several times day.
03/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19720	Web
A company named Credence rm has me in collections for XXXX for XXXX XXXX, i never received a letter from them nor have i ever had a XXXX XXXX account
10/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 380XX	Web
Credence Resource Management has placed a collection on my my account claiming that I owe {$540.00} to XXXX. I have NEVER had any services with XXXX.
07/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web	Servicemember
Debt does not belong to me and after research I have found Credence Resource Management does not have License to collect in my state which is Florida
12/16/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53216	Web
I have no idea who this company is and why they are listed on my Credit Report. I have tried to contact the company, but was unable to contact them.
07/16/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ XXXXX	Web
Called repeatedly asking them to stop calling me. Each time I was told calls will stop. Calls and messages persist multiple times a day, every day.
03/27/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91784	Web	Older American
This phony bill collector does not have a claim against me I DO not know why they keep calling me ... ..I filed a chapter XXXX in XXXX and XXXX ...
07/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 286XX	Web
Credence Resource Manage & XXXX XXXX XXXX continue to call and threaten to collect a debt. I returned the product and canceled the service in 2017.
03/26/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	KY 42301	Web
Credence Debt Collectors has been making harrassing phone calls. They have been calling me non stop for the past XXXX weeks at least 5 times a day.
07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 618XX	Web
Continuously calls claiming I owe money to XXXX XXXX XXXX. I have never had a bill with XXXX XXXX XXXX. Refuse to stop calling. Had to block number
06/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 711XX	Web
Credence Resource Management said they sent me a validation letter on XX/XX/XXXX I have not received any kind of notice from them about my account
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 77020	Web
The creditor violating my rights I have the right to privacy, a consumer reporting agency, can not furnish my accounts without my written consent
10/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60608	Web
Credence Resource Management called to collect a XXXX dollar debt I already paid in XXXX for XXXX XXXX XXXX between XXXX XXXX and XXXX Hospital.
02/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32819	Web
How I can fix this?? I have several reports I dont now why!! My interests is resolve anything but is to much money. Is posible fix my credit?
01/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38128	Web
This account was paid off and it is past the statue of limitations and this was already deleted so please get the to removed this account again
03/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76244	Web
credence resource mana XXXX date XX/XX/2019 account XXXX XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XXXX XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019
10/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 560XX	Web
A debt collect by the name of Credand Resource Management is on my credit report. I do not know this company nor have had the right to dispute.
04/27/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60538	Web
On multiple occasions Credence will continue to call my phone back to back I block one number they start to call from a different phone number
03/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07111	Web
This company has been sold to multiple companies and keeps getting reinserted on my consumer report. This is a violation of my consumer right.
08/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75208	Web
On XXXX XXXX Id have disputed this creditor before and it was removed ( deleted ) from my XXXX. Now they put it back on my credit months later
05/24/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TN 370XX	Web
They make numerous calls a day every day from different numbers and sometimes change the name on the caller ID to something else than credence
09/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45240	Web
This Debt was proved not to be mine and was removed from my credit report before now its placed back on by another another collection company.
10/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75227	Web
I sent a letter requesting that the debt be verified in XX/XX/2021. Never responded to my request and placed the account on my credit report.
04/19/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29485	Web
XXXX on mg credit of a XXXX account that ive never had nor owe. Called a few times. And threatened that it will damage my credit if not paid.
02/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77327	Web
CREDENCE RM is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
10/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19406	Web
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.
01/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48234	Web
Debt was discharged in bankruptcy. To include phone was sent to XXXX XXXX XXXX upon switching to XXXX. Im calling the XXXX XXXX XXXX as well.
02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
CREDENCE RM is claiming that I owe them {$430.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
CREDENCE RM is claiming that I owe them {$600.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
09/17/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 349XX	Web
CREDENCE RESOURCE MANAGE IS REPORT NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT! REMOVE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY!
04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 404XX	Web
Do not owe this money for phone bill. They do not have a contract with my signature. Unable to validate the debt or verify that it is mine.
05/21/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 86001	Web
I have no unpaid depts that I have control over ( I.e, Auto Loan, Credit Card ) and continue to get multiple calls a day from this company
12/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
12/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33511	Web	Servicemember
This debt was already successfully disputed with another collections agency and is a duplicate collection attempt of a debt I don't owe.
02/15/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75482	Web
When you answer the phone, no one will speak. When you call back it sends you to a full voicemail. I just received 4 calls in 2 minutes.
12/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30092	Web
The XXXX XXXX account was paid. Without any warning, letters, or contact Credence Resource Mana put the collection on my credit reports.
06/10/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33063	Web
Received calls every XXXX days from Bill collector, when I answer the call gets disconnected. No voicemail is left when I do n't answer.
11/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29036	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29203	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29803	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
03/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28052	Web
I do not recognize this debt, amounting in {$1200.00} reported to XXXX & XXXX but not to XXXX. Which makes this collection inaccurate.
02/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60827	Web
Account in question is a result of identity theft. Please investigate and remove from credit file. This account does not belong to me.
02/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 125XX	Web
Debt collector stated debt collection would fall off credit report once paid. They said a letter would be sent. Neither has occurred
08/20/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85614	Web	Older American
This company keeps changing its phone number and calls numerous times a day and night.I have ask them to STOP calling. They REFUSE..
08/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ME 040XX	Web
Credence Resource Management XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Alleged Balance Owed : {$52.00} Original Creditor : $ XXXX XXXX
12/01/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30114	Web
They would call three times a day for a month after I submitted {$100.00} towards the account. Credence Resource Managemet ( CRM ).
03/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30549	Web	Servicemember
Someone opened XXXX XXXX XXXX Uverse accounts using my personal information. The locations were not even in the state where I live.
12/17/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77088	Web
Unknown Foreigner woman calling her XXXX saying Im on a recorded line asking to speak to me Illegally obtained my unlisted number
08/30/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76063	Web
Credence Resource Management is contacting me daily and reporting on my credit report negative information and incorrect balance
11/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95815	Web
Account : CREDENCE RESOURCE MANAGEMENT Amount : {$620.00} Date : XX/XX/2019 Discrepancy : Paid prior to collection. Paid In full
08/16/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97504	Web
Frequent calls (2-4x or more) a day, since the beginning of XX/XX/2019 until now. Use of various of numbers using (XXXX) prefix.
02/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34769	Web
THIS DEBT IS UNATHURIZED DOES NOT BELONG TO ME, I HAVE REACHED OUT TO THE DEBT PURCHASING COMPANY AND EXPLAINED MUST BE REMOVED
12/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IN 462XX	Web
They stated they were trying to collect payment for an ambulance service and we were never in an ambulance or ever ordered one.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19131	Web
Do not have a contract with this company. Requested information with my signature however this company has not provided proof.
01/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60624	Web
Checked my credit profile and seen this account by CREDENCE RESOURCE MANA In the amount of {$2800.00} with and account # XXXX.
05/04/2017	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL 349XX	Web
received calls before XXXX and it 's someone from XXXX stating I own money and I ask to remove my number and keeps calling
05/03/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30040	Web	Servicemember
The debt collector has not provided any information on what this debt is. The only documents it has sent was collection bills.
02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91103	Web
This is a very old debt that the original company has collected on and they are harassing me to pay a debt that has been paid
04/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32277	Web
I mailed payments and paid my medical bills online & this company continues to call me after I 've completely paid this bill.
10/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28311	Web
They are reporting this collection with a past due amount. This is inaccurate reporting and needs to be removed immediately.
05/22/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 31419	Web
Credence has called my parents home and me repetitively, although I asked them to stop calling me over a debt I do not owe.
09/27/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60563	Web
Received notification of alleged debt from Credence Resource Management LLC again in XX/XX/2019 in the amount of {$400.00}.
11/26/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 142XX	Web
Repeated calls daily from different numbers. I do not know this company and I do not owe any debt relative to this company
07/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TX 754XX	Web
Identify theft. Fraudulent account. Never agreed or opened a loan or had knowledge of said loan that was opened in my name
02/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30310	Web
my information was compromised and leaked in a data breach. please remove all accounts from all bureaus please and thanks
10/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75098	Web
As required by law, this company did not provide me with an opportunity to validate this debt prior to reporting to XXXX.
02/21/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	CA 92606	Web
Credence Resource Management is calling my employer and my work phone number on a consistent basis. Please make them stop
02/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33166	Web
This information does not belong to me I want to investigate when was this because I do n't have any idea. XXXX XXXX XXXX
01/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95112	Web
This number keep calling me everyday telling me I owe XXXX money, but double checked with XXXX, I do n't owe them money.
07/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31204	Web
I looked at my credit report and saw an account that was not mine. I disputed this, but it remains on my credit report.
03/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
Debt validation letter was send and dispute letter was sent numerous of times and no responses were made to the company
09/14/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 93306	Web
They are callng me to collect a debt under my husbands name, when they have literally just talked to him on his cell.
06/27/2015	No	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	NC 28625	Web
They have called my phone numerous times at XXXX. I have notified them several times that I live on the east coast.
01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48066	Web
i dispute the validity of this debit, I've never done business with CREDENCE RESOURCE MANA nor signed any contacts
03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78223	Web
I told them to cancel this and I never accepted service, I chose XXXX and can verify that at that time I had XXXX
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78660	Web
Account name = Credence Resource Manage Original Creditor = XXXX XXXX Date = XXXX Collections amount = XXXX
11/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75104	Web	Servicemember
I never received correspondence from this company regarding the debt. I found it reporting on the credit bureau.
05/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19802	Web
I'm requesting validation for Pursuant 1692g. I have not been provided with validation of this alleged debt.
07/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33611	Web
CREDENCE RESOURCE MANAGE XXXX I have no knowledge of the above account. Please delete from my credit reports.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA XXXXX	Web
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.
07/06/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23513	Web
Company by the name calls me up to 4 times a day i refuse to answer the initial time i tried to communicate
04/22/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76018	Web
Not sure why they are contacting my number. They never leave messages but the numerous calls are stressful.
12/22/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94531	Web
I have no legal binding accounts with this company so I asked them To not contact me or report on my credit
01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 322XX	Web
This account is reporting incorrect and inaccurate information such as Opening date & Account Status, Etc.
02/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
This debt appeared on my credit report on XX/XX/2019 I have no knowledge of this company or the debt.
11/17/2022	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 44137	Web
The XXXX Credit bureaus do not have my permission to report anything and I have the right to privacy
03/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 701XX	Web
Fraudulent account open in my name never lived in Texas. Opened account in Texas never lived there
04/20/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 701XX	Web	Servicemember
Told made that my credit would never be the same until i pay something that i had no knowledge of
04/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94804	Web
I have disputed this account on several occasions. I have no knowledge of any of these accounts
03/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33162	Web
I did not receive any validation letter from the collection company via mail or electronically
06/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00729	Web
Credence Resource Mana h ad not lend me any money and they are billing me XXXX XXXX XXXX
01/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web	Servicemember
I have not received any signed contracts or validation of this debt is owed by me. XXXX XXXX.
12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	CA 91746	Web
I checked my credit report and there is a collection on my report I never used XXXX XXXX XXXX
12/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19152	Web
I am not liable with a debt with XXXX. I do not have any contract with Credence resource Mana
03/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48504	Web
Credence Resource Manage no date shown on credit report for the amount of {$500.00} dollars.
12/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 155XX	Web
Credence Resource Managment keeps sending me letters that I owe XXXX XXXX bill but i do not!
07/22/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 90069	Web
They call several times a day and there is no one on the line. They call before XXXX XXXX.
01/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94544	Web	Older American
I called XXXX XXXX XXXX several times XXXX left XXXX messages and no respones received.
03/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23233	Web
My wallet was stolen out of my car in XXXX. It contain my lD and SS card and other docs.
08/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
XX/XX/XXXX XXXX {$3500.00} Sending letter to resolve First of my knowledge knowing this.
03/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
I have tried reaching to this company regarding this matter. fraud account, no contract
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39157	Web
Credence Resource XXXX XXXX XXXX XXXXXXXX I do not take anything from these companies.
03/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70122	Web
They have injured me by violating multiple federal consumer laws pursuant to the FDCPA
04/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MS 395XX	Web	Older American, Servicemember
Have received collection notice but never received a bill from the supposed creditor.
01/11/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60629	Web
They continue to call everday and always leave a silent voice mail ( no body speaks )
11/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85629	Web
Complaint XXXX has identity theft involved by medical provider and collection agency
08/02/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	KY 41051	Web
Credence resource management charged me for something I dont know anything about.
04/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75035	Web
I have no knowledge of this account and have not received anything on the matter.
05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30094	Web
I have not put anything in my name under this account and does not belong to me.
01/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70122	Web
On XX/XX/2022 they sent out paper work saying I owe XXXX for an unvalidated debt
03/04/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 356XX	Web
they won't stop calling 5+ times a day at all hours from many different numbers
01/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	Web
Please see attached documents as it contains my full complaint and requests.
12/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11554	Web
I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE OR BLOCK FROM MY CREDIT ASAP..
04/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32444	Web	Servicemember
This account has been cleared up and keeps reappearing on my credit report
03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94577	Web
This account was open due to fraud and identity theft. It isnt my account.
11/20/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78660	Web	Servicemember
This collection company contacted and discussed a debt with a 3rd party.
07/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38018	Web
Credence resource management is on my credit report. I dont owe them.
05/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60411	Web
Please find the attachments that are in accordance with federal law.
12/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37072	Web
I have no knowledge of this account. My identity was stolen in 2021
03/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23608	Web	Servicemember
Unknown collections is on my report. No notification sent on debt.
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 306XX	Web
XXXX XXXX has wrongful information about my account XXXX XXXX XXXX
03/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22601	Web	Older American
Canceled service due price increase, that was not part of contract
04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web
I do not owe this debt never applied for service through company.
09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60619	Web
I sent police report and they still haven't remove from my credit
01/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27587	Web
Received notification about a debt that was not verified as mine.
12/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98665	Web
Ihave filed disputes I never hhad any dealings with this company
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89156	Web
I have no acknowledgement of this account on my credit report.
09/18/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 356XX	Web
Credence has been calling me several times a day back to back.
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07055	Web
I get harassed daily, I am over the constant calls and emails.
01/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 47201	Web
I call the company ask the for XXXX think never received them
06/30/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77014	Web
I get XXXX call daily from credence about a debt collection
03/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97006	Web
I DO NOT OWE ANYONE ANY MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60649	Web	Older American
There are unauthorized businesses on my credit report.
01/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27587	Web
Received notification of a debt that was not verified.
10/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WV 25177	Web
This is not my bill I have insurance which covers it.
06/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77583	Web
while i was in jail someone opened account in my name
05/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77081	Web	Servicemember
This debt is not accurate and does not belong to me.
02/06/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32210	Web
no contract or signature verified by this collector.
03/29/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33067	Web
Please review account has been paid by insurance
10/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MO 63137	Web
this is not my account never did business Fraud
09/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53213	Web
I filed a dispute. Account was not deleted.
10/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34476	Web	Older American, Servicemember
Getting phone calls for debt I do not owe.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73013	Web	Servicemember
Credence Resource Management XX/XX/2021
04/28/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17545	Web	Older American
Getting repeated phone calls from XXXX
05/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
Have collections on my credit report
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Web
IDENTITY THEFT FRAUDULENT ACCOUNTS
01/20/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 305XX	Web
Told I do not own this account.
11/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
this is not my account
06/30/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 751XX	Web
This debt is false.
04/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
Debt is not mine
07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 786XX	Web

07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60056	Web

07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75210	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70458	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77845	Web

07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web

07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Older American

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11215	Web

07/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60123	Web

07/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AK 99703	Web	Servicemember

07/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89113	Web	Servicemember

07/21/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30033	Web	Servicemember

07/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20017	Web

07/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23434	Web	Servicemember

07/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 478XX	Web

07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17402	Phone

07/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 210XX	Web

07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85140	Web	Servicemember

07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93313	Web

07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07002	Web	Older American

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07002	Web	Older American

07/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 74133	Web

07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89120	Web

07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95357	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29340	Web	Servicemember

07/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12053	Web	Servicemember

07/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89115	Web

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70791	Web

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 87121	Web

07/14/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 75035	Web

07/14/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70433	Web

07/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30038	Web

07/13/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	GA 30236	Web

07/13/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NY 11226	Web

07/13/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AR 728XX	Web

07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web

07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web

07/13/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 53150	Web

07/12/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 14094	Web	Servicemember

07/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76182	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33055	Web

07/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11214	Web

07/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web

07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31069	Web

07/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30066	Web

07/11/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 640XX	Web

07/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30338	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23663	Web

07/10/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60639	Web

07/10/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90057	Web

07/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32514	Web

07/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89142	Web

07/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	MI 48174	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 351XX	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 24590	Web

07/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78209	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 301XX	Web

07/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77598	Web

07/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 52240	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77082	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10025	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 765XX	Web	Older American

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94605	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33169	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 54983	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 787XX	Web

07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89166	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	DE 19934	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web

07/05/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 334XX	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76542	Web

07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33312	Web

07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60610	Web

07/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92113	Web

07/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70791	Web

07/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48230	Web

07/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90035	Web

07/03/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60714	Web

07/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33540	Web

07/03/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web	Older American

07/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20772	Web

07/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77494	Web

07/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92223	Web

07/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 97210	Web

06/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48067	Web

06/30/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 34759	Web

06/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33063	Web	Servicemember

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89110	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11226	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 278XX	Web

06/29/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TN 37122	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27330	Web

06/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30024	Web

06/29/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 290XX	Web

06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89149	Web

06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 385XX	Web

06/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53511	Web

06/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33025	Web

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web

06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

06/26/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 14609	Web

06/26/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95841	Web

06/26/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 32209	Web

06/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28144	Web

06/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30134	Web

06/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33032	Web

06/24/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 325XX	Web

06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33073	Web

06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30224	Web	Servicemember

06/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90802	Web

06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30034	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62526	Web

06/23/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85629	Web

06/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web

06/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36471	Web

06/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33624	Web

06/21/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 086XX	Web

06/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85203	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89031	Web	Servicemember

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33409	Web

06/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90805	Postal mail

06/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07606	Web

06/20/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85705	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90250	Web

06/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27516	Web

06/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD XXXXX	Web

06/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 763XX	Web	Servicemember

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 335XX	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92377	Web

06/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28031	Web

06/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 53511	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 761XX	Web

06/18/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39631	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75241	Web

06/17/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32209	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76116	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30064	Web

06/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 20164	Web	Servicemember

06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19116	Web

06/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33125	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91752	Web

06/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78258	Web

06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94531	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33162	Web

06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28411	Web

06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37217	Web

06/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33067	Web

06/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60440	Web

06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33541	Web

06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 24019	Web

06/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85282	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11722	Web

06/13/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11722	Web

06/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11722	Web

06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33176	Web

06/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30248	Web

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91350	Web

06/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36426	Web

06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48224	Web

06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48224	Web

06/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75207	Web

06/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30213	Web

06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IN 46218	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78758	Web	Servicemember

06/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 515XX	Web

06/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75214	Web

06/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85756	Web

06/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19142	Web

06/07/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 950XX	Web

06/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89166	Web

06/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web

06/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76201	Web

06/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75087	Web	Older American

06/06/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97211	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64111	Web

06/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 79764	Web

06/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 61822	Web

06/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 211XX	Web

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23453	Web	Servicemember

06/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70117	Web

06/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90043	Web

06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91766	Web

06/01/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 92105	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90004	Web	Servicemember

05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10468	Web

05/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90001	Web

05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web

05/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 90505	Web

05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70126	Web

05/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

05/30/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92504	Phone	Older American

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 42120	Postal mail

05/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91311	Web

05/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91311	Web