Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with XFINITY MOBILE 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: ***** Amount Disputed: $ 243

  Business Response

  Date: 01/10/2025

  CRM REFERENCE NUMBER: 278111674;
  CREDITOR NAME: Xfinity MOBILE;
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your December 30, 2024 complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with *************** You state that you do not have a contract with *********** state that *** did not provide you the original contract as requested. You state that *** is in violation of law. You state that *** did not provide you the validation of debt. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of **************, and is not the original creditor.
  On September 13, 2024, *************** placed the above referenced account with CRM for collection in the amount of $238.23.
  On October 8, 2024, the creditor notified CRM about a debit adjustment. Same was applied to your account and the updated balance was $243.23.
  On October 10, 2024, CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days. *** has no record of that letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30-day period.
  On October *******, the account was credit reported to Experian and on October 30, 2024,account was credit reported to ********** in compliance with the Fair Credit Reporting Act (FCRA).
  On December 5, 2024,CRM was notified about dispute through the ****. The account was placed in restricted status. *** updated the tradeline to reflect as disputed. *** completed the dispute investigation and responded to the claim through the *****
  On December 26, 2024,CRM mailed you the copy of validation obtained from the original creditor.
  On December 30, 2024,*** was notified about dispute through BBB complaint. The account was placed in restricted status. *** notified the creditor about the same. As per the creditor Customer Name:***** ******* Account investigation has determined the charges on this account are valid, Collections will continue. Charges deemed valid related to customer activity found on account.
  
  You may contact CRM at ************ for any further questions.
  

  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:12/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am notcliable of this debt with ***** And I do not have a written contract with Credence Resource Management. And have not received one as requested

  Customer Answer

  Date: 12/28/2024

  I have no written contract with this consumer and ask to have them removed from my credit report. 

  Business Response

  Date: 01/10/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 01/11/2025

  I have not received any letters or correspondence from this company.  I do not know who they are, only from seeing them on my credit report 

  Business Response

  Date: 01/13/2025

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME:AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your December 30, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with AT&T. You state that you do not have a written contract with CRM. You state that *** did not provide you with the written contract as requested. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of AT&T Uverse, and is not the original creditor.
  On October 8, 2024,AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $3835.38.
  On October 9, 2024,CRM mailed you the validation notice advising you of your right to dispute or request validation of debt within 30 days. *** has no record of that letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30 day period.
  On November 23, 2024,the account was credit reported to Experian and on November 26, 2024, the account was credit reported to Transunion in Compliance with the Fair Credit Reporting Act (FCRA).
  On December 30, 2024, CRM was notified about the dispute through the BBB complaint. The account was placed in restricted status. *** updated the tradeline to reflect as disputed.CRM notified the creditor about the same. As per the creditor Balance Sustained, No adjustment issued. Charges on the account are for monthly Internet & Wireless services.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 01/21/2025

  I have not received any type of written letter from the business.  Nor have I had wireless or UVERSE with AT&T.

  Customer Answer

  Date: 01/24/2025

  I am rejecting this response because:   

  I have not received any type of written letter from the business.  Nor have I had wireless or UVERSE with AT&T.

  Business Response

  Date: 01/31/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You state that you have not received any type of written letter from CRM. You state that nor you had wireless or UVERSE with AT&T. Based upon our research CRMs findings are as follows
  *** is a collection agency working on behalf of AT&T Uverse, and is not the original creditor.
  
  Enclosed is the copy of validation obtained from the original creditor which was mailed to you on January 13, 2025. The password for the attached document is your first name in lower case. The account is currently on restricted status.
  

  For fraud related issues you can login to ************************************ and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:12/26/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted Credence Resource Management, LLC, about a debt they claimed I owed from ************. The debt did not line up with my address, the timeline or anything that I had ever seen. They put the debt and collection on my credit report. The amount in question was $318.85 to Dish Network. I have exceptional credit and having this show on my credit report was not acceptable. I asked Credence Resource Management, LLC to show a copy of the debt, Credence Resource Management, LLC showed me something that looked like an invoice but was extremely vague. I decided it was better to pay it in full and be done with these people so I did that on Nov 16, 2024. I am going to upload the proof of payment. The issue is this debt continues to show on my credit report and the company will not file correctly to the major credit bureaus and show that the debt has been paid. I continue to email them to ask why they are not reporting correctly and I am getting stone walled. I keep getting boiler plate emails telling me they are looking into things. I did my part and paid this debt in full. They should be held to report correctly to the credit bureaus and thy are not doing this.

  Business Response

  Date: 01/09/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.

  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 01/13/2025

  CRM Reference Number: 272788299;
  Creditor Name: DISH;
  Creditor Account Number: ****************;
  
  **********************, LLC (CRM) has received your December 27, 2024, complaint filed with the Better Business Bureau and understands that you state that the debt of $318.85 towards DISH which CRM claims to be yours contradicts with your address and the timeline. You state that on November 16, 2024, you paid the debt however, it continues to reflect in your credit report. You state that *** denied to rectify the credit report. You state that you emailed *** asking to do correct reporting. You state that *** did not respond to your request. Based upon our research CRMs findings are as follows.
  *** is a collection agency working on behalf of ****, and is not the original creditor.
  On August 2, 2023, DISH, placed the above referenced account with CRM for collection in the amount of $318.85.
  On August 3, 2023, CRM mailed you the validation notice of this debt advising you of your right to dispute the debt or request for validation of the debt within 30 days. *** has no record of this letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30 day period.
  On September 18, 2023, the account was credit reported to Experian and on September 19, 2023 the account was credit reported to ********** in compliance with the Fair Credit Reporting Act (FCRA).
  On September 25, 2023, CRM was notified about a dispute through ****. The account was placed in restricted status. *** updated the tradeline to reflect as disputed. *** investigated the claim and responded to the dispute through the ****.
  On December 7, 2023, *** was notified about a dispute through the ****. *** investigated the claim and responded to the dispute through the ****.
  On November 11, 2024, *** was notified about a dispute through correspondence.
  On November 15, 2024, CRM emailed you the copy of the validation obtained from the original creditor.
  On November 21, 2024, *** was notified about dispute through ****. The account was placed in restricted status. *** investigated the claim and responded to the dispute through the *****
  CRM was notified about dispute through multiple correspondence. The account was placed in restricted status respectively.
  On December 27, 2024, *** was notified about dispute through BBB complaint. The account was placed in a restricted status. On the same day, CRM received a call from you,upon which you notified *** about dispute. The account was placed in restricted status. CRM notified the creditor about the same and is awaiting a response.
  CRM requested its entry be removed from Experian and Transunion. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. *** has no control over whether the creditor places the account with another collection agency for continued collection.
  
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 01/21/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:12/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 11 ******** 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: *********Amount Disputed: $217.00

  Business Response

  Date: 01/09/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.

  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Business Response

  Date: 01/13/2025

  CRM REFERENCE NUMBER: 351317104;
  CREDITOR NAME:*****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your December 27, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with T-Mobile. You state that you do not have a contract with ***. You state that *** did not provide you with the original contract. You want CRM to provide you validation of debt along with other supporting documents. You want CRM to provide you the copy of CRM state license, including license number that give *** rights to collect in your state. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of *****************, and is not the original creditor.
  On June 19, 2024,*****************, placed the above referenced account with CRM for collection in the amount of $217.69.
  On August 20, 2024,CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days. *** has no record of that letter being returned undeliverable and no record of you disputing the debt or requesting validation during the 30-day period.
  On September 21, 2024,the account was credit reported to ********** and to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On November 26, 2024,*** was notified about dispute through ****. The account was placed in a restricted status. *** updated the tradeline to reflect as disputed. *** completed the investigation and responded to the dispute through the *****
  On December 27, 2024,*** was notified about your dispute through CFPB and BBB complaint. The account was placed in a restricted status. *** notified the creditor about the same. As per the creditor Account start date - 09/09/2021, Account End Date -10/19/2023 Cancelation Reason - non pay. Account activated as individual regular postpaid account with billing person name *********** ********. Found usage till 08/10/2023th billing cycle. Last payment date -08/02/2023 Last payment amount ******. Breakdown of Balance - Current Account Balance $217.69. Charges Service $180.00, late fee $37.69 OCA Fee NA Debt validation -Service charges are valid for service rendered. Late fee is valid for late payment.
  On December 28, 2024, the creditor recalled the account. *** closed the account and returned it to the original creditor.
  *** requested its entry be removed from ********** and Experian. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. *** has no control over whether the creditor places the account with another collection agency for continued collection.
  *** is licensed and registered where required by law and our licensed information is available on the state regulators website and is public information.
  

  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:12/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 11 AT T and I do not have a contract with CREDENCE RM plus they did not provide me with the original ********* Amount disputed: $2664

  Business Response

  Date: 01/03/2025

  CRM REFERENCE NUMBER: 277229442;
  CREDITOR NAME:AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your December 26, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM.  You state that you do not have a contract with CRM. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of AT&T Mobility, and is not the original creditor.
  On July 6, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $2664.53.
  On July 9, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days. *** has no record of that letter being returned undeliverable and no record of you disputing the debt or requesting validation during the 30-day period.
  On September 21, 2024,the account was credit reported to ********** and Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On December 26, 2024,*** was notified of your dispute through BBB complaint. The account was placed in restricted status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor This account stands for an AT&T;s postpaid wireless service for 2 lines (during account lifetime) ending numbers 7091 and 4958. Account was opened on 05/05/2022 and cancelled on 08/06/2023 due to port out. Last payment processed on the account was on 07/15/2023 for $637.03, same returned unpaid on 07/27/2023. Customer is responsible for the charges for usage reflected on the service during the time account was active. Balance stands for past due billed charges, late payment fee, monthly recurrent charge and balance of 2 financed devices. Charges are valid due to customer acceptance of contract and Terms and Conditions under the name of ******* ******.
  On December 28, 2024,and on December 29, 2024, *** was notified about dispute through the ****. The account remains on restricted status.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
  

  Business Response

  Date: 01/03/2025

  CRM REFERENCE NUMBER: 277229442;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your December 26, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM.  You state that you do not have a contract with CRM. Based upon our research CRMs findings are as follows:
  Enclosed is the copy of validation obtained from the original creditor. The password for the attached document is your first name in lower case.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:12/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with $368 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: ********* Amount Disputed: $368

  Business Response

  Date: 01/08/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:12/25/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute a debt reported by CREDENCE RESOURCE MANAGEMENT on my credit report. I believe this debt is not valid for the following reasons:No Contractual Agreement: I do not have any contract or agreement with the collection agency attempting to collect this debt.Lack of Documentation: Despite multiple requests, the collection agency has failed to provide me with the original contracts or any valid documentation substantiating this debt.I kindly request your assistance in resolving this matter. It is crucial that this inaccurate information be removed from my credit report promptly as it is impacting my financial standing.Thank you for your attention to this urgent matter. I look forward to your assistance in reaching a resolution.

  Customer Answer

  Date: 12/27/2024

  I have not received any communications 

  Business Response

  Date: 01/03/2025

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME:AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your December 26, 2024, complaint filed with the Better Business Bureau and understands that you state that you do not have a contract with CRM. You state that *** did not provide you the original contract or valid documentation to substantiate the debt. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of AT&T Mobility, and is not the original creditor.
  On July 24, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $380.00.
  On July 25, 2024, CRM emailed you the validation notice of this debt advising you of your right to dispute or request for the validation of the debt within 30 days. *** has no record of this letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30 day period.     
  On September 21, 2024,the account was credit reported to Transunion and Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On September 27, 2024,CRM was notified about dispute through ****. The account was placed in a restricted status. *** updated the tradeline to reflect as disputed. On October 1, 2024, *** investigated the dispute and responded to it through the *****
  On December 25, 2024, and on December 26, 2024, *** was notified about dispute through **** and through BBB complaint. The account remained in a restricted status respectively. *** notified the creditor about the same. As per the creditor This account stands for an AT&T;s postpaid wireless service for 1 line (during account lifetime)ending number 9905. Account was opened on 07/10/2021 and cancelled on 05/10/2023 due to move to a different carrier. Last payment processed on the account was on 09/26/2023 for $200.00. First day of delinquency after cancellation was on 08/14/2023 with a balance of $647.44. AT&T has not sold this account. On 2024-07-24, AT&T Mobility forwarded the subject account to [OCA **********************, LLC], for collections on the balance of $380.00. [OCA Credence Resource Management, LLC], received the account from AT&T Mobility and acts as an agent on behalf of AT&T Mobility;therefore, the consumer would not have a contract with [OCA Credence Resource Management, LLC]. Customer is responsible for the charges of usage reflected on the service during the time account was active. Balance stands for past-due billed charges, late payment fees, monthly recurrent charges, and balance of 1 financed device with ending number 9905 found on records. Charges &Collection activity are valid due to customer acceptance of contract and Terms & Conditions under the name of ***** ****** AMOAMPONG.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 01/03/2025

  I am rejecting this response because:   As i stated in my original complaint i have not recieved any communications whatsoever from this people, therefore do the needful and remove the said account off my platform.

  Customer Answer

  Date: 01/10/2025

  Dear BBB Dispute Resolution Department,
  
  I am writing to address the response from Credence Resource Management LLC (CRM) regarding my complaint submitted on December 25, 2024. I appreciate the opportunity to provide additional details and seek a fair resolution.
  
  Upon reviewing CRM's response, I still contend that there are significant issues with the handling of my account, specifically concerning the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
  
  1. Violation of the ****** I did not receive any validation notice from CRM within the required 30-day period. According to 15 U.S.C. 1692g, a debt collector must provide a written notice containing the amount of the debt and the name of the creditor within five days of initial communication. *** has failed to provide adequate proof that such a notice was sent or received.
  
  2. Improper Reporting under ****: The account was reported to credit bureaus without proper validation and while under dispute. Under 15 U.S.C. 1681s-2(a)(8), furnishers of information to consumer reporting agencies must conduct an investigation upon receiving notice of a dispute. ***'s actions to report this account without resolving the dispute infringe on my rights under the *****
  
  3. Lack of Proper Documentation: Despite requests, CRM has not provided sufficient documentation from AT&T Mobility to verify the legitimacy of this debt. Without this documentation, I am unable to confirm the accuracy of the reported balance or even confirm that this debt is mine.
  
  Based on these violations, I request that *** immediately cease collection efforts and remove any negative reporting related to this account from my credit reports. The failure to adhere to legal obligations has caused undue stress and damage to my creditworthiness.
  
  I trust that BBB will assist in ensuring that CRM rectifies these issues promptly. I am also prepared to escalate this matter further, including filing complaints with the ************************************ and other relevant authorities if necessary.
  
  Thank you for your attention to this matter.

  Business Response

  Date: 01/10/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You state that you dispute a debt reported by *** on your credit report. You  believe this debt is not valid. You state that you do not have any contract or agreement with *** collection agency attempting to collect this debt. You state that despite multiple requests, *** collection agency has failed to provide you with the original contracts or any valid documentation substantiating this debt. Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of AT&T Mobility, and is not the original creditor.
  The account is placed in restricted status.
  Enclosed is the copy of validation and copy of contract obtained from the original creditor which was mailed to you on January 3, 2025 and on January 7, 2025 respectively. The password for the attached document is your first name in lower case.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT.
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 01/13/2025

  I am rejecting this response because:   
  In response to the latest communication from Credence Resource Management (CRM), concerning the disputed debt reported on my credit report. I would like to address several critical points and formally provide a final warning.

  Violation of the Fair Debt Collection Practices Act (FDCPA): As per 15 U.S.C. 1692g, a debt collector must send a written notice containing the amount of the debt and the name of the creditor within five days of initial communication. Despite ***'s claims, I have not received such notice, nor have you provided verifiable evidence that this was sent or received.
  
  Inaccurate Reporting under the Fair Credit Reporting Act (FCRA): According to 15 U.S.C. 1681s-2(a)(8), furnishers of information to consumer reporting agencies are required to conduct a thorough investigation upon receiving notice of a dispute. The reporting of this account without resolving my dispute constitutes an infringement on my rights under the *****
  
  Failure to Provide Adequate Documentation: The documents purportedly sent to me, have not been received. Without valid documentation from AT&T Mobility verifying the legitimacy of this debt, CRM's actions remain unsupported and unsubstantiated.
  
  Final Demand:
  Given the violations outlined above, I am requesting that CRM immediately cease all collection activities and remove any negative reporting from my credit reports with ********** and Experian and all. Failure to comply with this request will result in further legal action.
  
  If this matter is not resolved satisfactorily within 15 days of receipt of this communication, I intend to pursue all available legal remedies. This includes filing complaints with the ************************************ (****) and potential litigation for non-compliance with both FDCPA and FCRA standards.
  
  This letter serves as a final notice of my intention to escalate this matter if corrective action is not taken immediately.
  
  I trust that this issue will be resolved promptly to avoid further legal complications.
  

  Business Response

  Date: 02/25/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You state that you dispute the debt reported on your credit report by ***. You believe CRM violated the law. You state that *** reported inaccurate information to the ****. You state that *** failed to Provide Adequate Documentation You are requesting CRM to immediately cease all collection activities and remove any negative reporting from your credit reports with ********** and Experian and all. Based upon our research CRMs findings are as follows:
  On January 17, 2025,the account was placed in cease status and CRM will not pursue further collections.
  
  CRM requested its entry be removed from Transunion and Experian. CRM cannot affect a change in whether the creditor or another entity has or will later report the account on your credit report. CRM also cannot affect a change as to when the credit bureau processes the deletion request CRM submitted relating to the account. *** has no control over whether the creditor places the account with another collection agency for continued collection.
  
  You may contact the creditor directly for any further queries
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 02/25/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:12/24/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with CREDENCE RESOURCE MANA. I do not have a contract with CREDENCE RESOURCE MANA, and the company is not listed. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 12/27/2024

  As of now, I do not have any record of them contacting me. However, they are on my credit report. 

  Business Response

  Date: 01/07/2025

  Credence Resource Management, LLC (CRM) has received your December 26, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have a contract with ***. You state that *** is not listed. You state that *** did not provide you with the original contract as requested. *** is unable to locate any records in our system based on the information provided.Therefore, we are unable to investigate your complaint. CRM requests additional information to continue the investigation such as: the account holder's full name, address, social security number, and any telephone numbers associated with the account holder; CRM's reference number; the name of the original and/or current creditor; and, the creditor's account number.
  You may provide the requested information by calling ************ or by mailing a letter to CRM at *****************************************************
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 01/13/2025

  I am rejecting this response because:   The original creditor was AT&T and the balance was $888. that information should help them locate the account.

  Business Response

  Date: 01/22/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau and understands that you state that you are rejecting CRMs response. You state that you are rejecting CRM response because you state that the original creditor was AT&T and the balance was $888. You state that this information should help *** to locate the account. Based upon our research CRMs findings are as follows:
  
  CRM is unable to locate any records in our system based on the information you provided. Therefore, we are unable to investigate your complaint. CRM requests additional information to continue the investigation such as: the account holder's full name, address, social security number, and any telephone numbers associated with the account holder; CRM's reference number; the name of the original and/or current creditor; and, the creditor's account number.
  You may provide the requested information by calling ************ or by mailing a letter to CRM at *****************************************************
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:12/24/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 10 *** ****************** and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked.

  Business Response

  Date: 12/31/2024

  CRM REFERENCE NUMBER: 271768215;
  CREDITOR NAME: *** Communications, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your December 26, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with *** Communications. You state that you do not have a contract with ***. You state that *** did not provide you with the original application as you asked. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of *** ********************, and is not the original creditor.
  On June 22, 2023, *** Communications, ***** placed the above referenced account with CRM for collection in the amount of $351.01.
  On June 22, 2023, CRM mailed you the validation notice via text advising you of your right to dispute or request validation of the debt within 30 days. *** has no record of that letter being returned undelivered and no record of you disputing the debt or requesting validation during the 30-day period.
  On August 13, 2023, the account was credit reported to Experian and on August 14, 2023, the account was credit reported to Transunion and on August 15, 2023, the account was credit reported to Equifax in compliance with Fair Credit Reporting Act (FCRA).
  On October 3, 2024, *** was notified about dispute through a correspondence. The account was placed on dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor of the dispute. As per the creditor The account was opened on 09/06/2005 and was disconnected on 04/23/2019. The last payment received was on 03/28/2019 for the amount of $28.99. The final remaining balance is $351.01 which consists of Unreturned Equipment Charge, Service Charge and Taxes. Thus, the charges are valid.
  On October 24, 2024, *** was notified of dispute through ****. The account was placed on a dispute status.
  On October 25, 2024, *** was notified of fraud through *****The account was placed on fraud status.
  On October 28, 2024, *** was notified of the pay for delete through a correspondence. The account remained on a fraud status. On the same day, CRM mailed you the fraud packet.
  On December 2, 2024, CRM mailed you the fraud packet.
  On November 6, 2024, *** was notified of the fraud through *****CRM placed the account on fraud status.
  On November 7, 2024, CRM mailed you the fraud packet.
  On November 13, 2023, CRM was notified of the fraud through ****. The account remained on a fraud status.
  On November 12, 2024, CRM mailed you the itemized statement.
  On November 15, 2024, *** was notified of the fraud through ****. The account remained on a fraud status.
  On November 22, 2024, CRM was notified of the dispute through a **** complaint. The account was placed on a dispute status.
  On November 25, 2024, *** was notified of the dispute through ****. The account remained on dispute status.
  On November 26, 2024, *** was notified of the dispute and fraud through ****. The account was placed on dispute and fraud status.
  On November 27, 2024 and on November 29, 2024, *** was notified of the dispute through ****. The account was placed on a dispute status.
  On December 4, 2024, CRM mailed you the itemized statement.
  On December 13, 2024, *** was notified of the fraud through ****. The account was placed on fraud status. On the same day, CRM mailed you the itemized statement.
  On December 18, 2024, CRM mailed you the itemized statement.
  On December 26, 2024, CRM was notified of the fraud through BBB complaint. The account remained on fraud status.
  On December 28, 2024, *** was notified of the fraud through ****. The account remained on the fraud status.
  For fraud related issues you can login to ************************ and complete the fraud procedure. You must complete the fraud procedure for the creditor to investigate your claim. Failure to do so may result in the creditor continuing to pursue collection of the account.
  Enclosed is the copy of validation received from the creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:12/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with CREDENCE RESOURCE MANAGEMENT. I do not have a contract with this company and they did not provide me with a contract as requested. They do not have any proof that I owe them any money. I was told by CREDENCE RESOURCE MANAGEMENT that the original debt was owed to ************* but I have contacted **** both in person as well as over the phone and they have assured me that I am not in debt with them. This collection agency has been trying to scam me by telling me if I settle this with them they can take it off my credit report and I can pay them less than what is owed.

  Customer Answer

  Date: 12/23/2024

  I have not been able to get any information via email from this company because they have never provided an email for me nor have they sent me any emails regarding my account. Everything I have communicated with them has been over the phone.

  Business Response

  Date: 01/10/2025

  Credence Resource Management, LLC (CRM) has received your complaint filed with the Better Business Bureau. While we understand the issue raised by you, please note that we are currently investigating your claim. Please be rest assured we will submit a response to the complaint shortly. Thank you for your co-operation and patience relating to this matter.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 01/21/2025

  I am not liable for this debt with AT&T. I do not have a contract with Credence Resource Management and they did not provide me with the original contract as requested. They do not even have my name spelled correctly on their report and when I talked to AT&T over the phone and in person they assured me that I am not in debt with them. I called Credence and they tried to persuade me to pay less money with them to get this taken off of my credit report. I have called them three different times to ask for proof of contract or debt and they tell me to go look at the one email they sent me last year that when I click it spams my computer.

  
  

  Business Response

  Date: 01/27/2025

  CRM REFERENCE NUMBER: 277064955;
  CREDITOR NAME: AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your December 30, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have contract with ***. You state that *** did not provide you with a contract as ************* state that *** has no proof that you owe CRM any money. You state that you were told by *** that the original debt was owed to AT&T services. You state that you have contacted AT&T both in person as well as over the phone and you state that AT&T have assured you that you are not in debt with them. You state that *** is trying to scam you by telling you that if you settle this with CRM, CRM can take it off your credit report and you can pay them less than what is owed. You state that you want correction to your credit report. You state that you demand this account to be removed from your credit report. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of AT&T Uverse, and is not the original creditor.
  On June 24, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $300.95.
  On June 25, 2024, CRM emailed you the validation notice advising you of your right to dispute or request validation of the debt within ************************************************************************************************************** requesting validation during the 30-day period.
  On August 10, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On December 24, 2024, CRM was notified about dispute through ****. The account was placed on dispute status. *** updated the tradeline to reflect as disputed.
  On December 30, 2024, *** was notified about dispute through BBB complaint. The account remained on dispute status. *** notified the creditor of the dispute. As per the creditor Charges sustained due to customer requesting debt validation, please send duplicate bills via *** to customer for review, customer can obtain a copy of their contract at **************************************************.
  As per records, on January 15, 2025, CRM received a call from you upon which CRM was notified about dispute. The account remained on dispute status. You requested for itemized statement to be sent to you on the call. Request raised for the itemized statement.
  On January 21, 2025, *** was notified about dispute through ****. The account remained on dispute status.
  Enclosed is the copy of validation received from the creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.