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:09/27/2024

  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 Credence Resource Management, I do not have a contract with Credence resource managment, they did not provide me with the original contract as I requested.

  Customer Answer

  Date: 09/30/2024

  I have no documentation from credence resource management validating this debt. How can I provide you clarification? 

  Business Response

  Date: 10/10/2024

  CRM REFERENCE NUMBER: 275644656;
  CREDITOR NAME: AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: 087316020;
  
  Credence
  Resource Management, LLC (CRM) has received your September 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 a
  contract with CRM. You state that CRM did not provide you with the original
  contract as requested. Based upon our research CRMs findings are as follows:
  CRM has
  reviewed your correspondence and would like to appraise you that CRM is a
  collection agency working on behalf of AT&T Uverse, and is not the original
  creditor.
  On March
  7, 2024, AT&T Uverse, placed the above referenced account with CRM for
  collection in the amount of $242.52.
  On March 8, 2024, CRM emailed you the validation notice advising
  you of your right to dispute or request validation of the debt within 30 days.
  CRM 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 April 27, 2024, the account was credit reported to Experian
  and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On September 30, 2024, CRM was notified about dispute
  through BBB complaint. The account was placed in dispute status. CRM updated
  the tradeline as disputed. CRM notified the creditor about the same. As per the
  creditor “No adjustment issued. Charges sustained due to customer requesting
  debt validation, please send duplicate bills via EBV to customer for review,
  customer can obtain a copy of their contract at
  https://www.att.com/legal/legal-policy-center.html, and resume treatment.”
  Enclosed is the copy of validation received from the
  creditor.
  

  You may contact CRM at 855-880-4791 for any further
  questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT
  COLLECTOR.

• Initial Complaint

  Date:09/26/2024

  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.

  Im not liable for this debt with T-MOBILE, I do not have a contract with Credence Resource manage, they did not provide me with the original contract as I requested

  Customer Answer

  Date: 09/26/2024

  The business never sent me anything about the debt validation it just appeared on my credit report

  Business Response

  Date: 10/09/2024

  CRM REFERENCE NUMBER: 351124007;
  CREDITOR NAME:
  T-Mobile US, Inc.;
  CREDITOR ACCOUNT
  NUMBER: 988244349;
  
  Credence Resource
  Management, LLC (CRM) has received your September 26, 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 CRM. You state that CRM did not provide you with the original contract.
  Based upon our research CRMs findings are as follows:
  
  CRM has reviewed your
  correspondence and would like to appraise you that CRM is a collection agency
  working on behalf of T-Mobile US, Inc., and is not the original creditor.
  On May 4, 2024,
  T-Mobile US, Inc., placed the above referenced account with CRM for collection
  in the amount of $606.49.
  
  On August 19, 2024,
  CRM emailed you the validation notice advising you of your right to dispute or
  request validation of the debt within 30 days. CRM 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 Transunion and to Experian in compliance
  with the Fair Credit Reporting Act (FCRA)
  
  On September 26, 2024, was notified of your dispute through
  the CRA’s and through BBB complaint. The account was placed on dispute status.
  CRM notified the creditor about the same. As per the creditor “Account start
  date -02/03/2023. Account End Date-09/10/2023. Account activated as individual
  regular postpaid account with billing person name PHILLIP ROLACK. Home Internet
  Device non-return fee applied, customer can still return the signal booster and
  get the charges waived. Customer made last payment on 05/21/2023 of $115.96.
  Found usage till 05.25.2023. Current account balance is $606.49 which consist
  of service charge $241.94, late fee $59.26, device fee $233.2, OCA fee $72.09.
  Debt validation- Service charges are valid for service rendered. Late fee is
  incurred for late payments. Device fees are charged due to non-return of
  coverage device.”
  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
  855-880-4791 for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION
  IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/26/2024

  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 ***** I do not have a contract with Credence Resource Management. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 09/26/2024

  The company never sent any validation and I have never signed a contract with this company.

  Business Response

  Date: 10/09/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME:AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your September 26, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with AT&***** state that you do not have a contract with CRM. You state that *** did not provide you with the original contract. Based upon our research CRMs findings are as follows:
  
  CRM is a collection agency working on behalf of AT&T Mobility, and is not the original creditor.
  On June 28, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $2,244.43.
  
  On July 1, 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 September 21, 2024,the account was credit reported to Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  
  On September 26, 2024,*** was notified about a dispute through the BBB and through ****. The account was placed in restricted status respectively. *** notified the same to the creditor and is awaiting a response. On October 1, 2024, *** responded through CRAs.
  
  Enclosed is the copy of validation and copy of contract obtained from the original creditor which was mailed to you on October 4, 2024. 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: 10/18/2024

  This company is violating my legal rights. I have never signed a contract with this company. I asked for a contract with my signature for this company and the company failed to provide the requested information. The company sent me a statement with an original creditor At&T. I do not owe Credence Resource Management, LLC and ask that this account be removed from my credit report.

  
  

  Customer Answer

  Date: 10/18/2024

  I am rejecting this response because:   

  This company is violating my legal rights. I have never signed a contract with this company. I asked for a contract with my signature for this company and the company failed to provide the requested information. The company sent me a statement with an original creditor At&T. I do not owe Credence Resource Management, LLC and ask that this account be removed from my credit report.

  
  

  Business Response

  Date: 10/29/2024

  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 believe that *** is violating your legal rights. You state that you have never signed a contract with ***. You state that you asked for a contract with your signature from *** and you state that *** failed to provide the requested information. You state that you do not owe CRM. Based upon our research CRMs findings are as follows:
  On October 24, 2024, the creditor recalled the account. *** closed the account and returned it to the original creditor.
  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: 10/29/2024

  I will like to seek damages in the amount of $1000 per bureau for this company reporting inaccurate information to the credit bureau and hindering my ability to get approved for credit.

• Initial Complaint

  Date:09/25/2024

  Type:Order 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 manage, I do not have a contract with Credence resource manage, they did not provide me with the original contract as i requested.

  Customer Answer

  Date: 09/26/2024

  Ive never gotten a letter or email from Credence resource manage. This debt just showed up on my credit report. i demand this be remove from credit report.

  Business Response

  Date: 10/14/2024

  CRM REFERENCE NUMBER: 351145329;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your September 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 you *** did not provide you the original contract as requested. 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 May 8, 2024, *****************, placed the above referenced account with CRM for collection in the amount of $854.46.
  
  On August 19, 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 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 Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  
  On September 25, 2024, and on September 26, 2024, CRM was notified about dispute through CRAs and through BBB complaint. The account was placed in restricted status respectively. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Account start date - 03/07/2022, Account End Date -09/20/2023. Bill cycle date 08, Cancelation Reason - Non payment. Account started as postpaid Individual-Regular as billing person name ******* ***** *****.Original billing responsible party responsible for charges billed on account.We checked in device return tool equipment is not returned. Last payment date -07/24/2023, Last payment amount ******, Breakdown of Balance - Current Account Balance $854.46, *************** $294.58, late fee$81.43, equipment$312.5,restoration$44.5, dishonored check charge$20, OCA Fee *******. Debt validation -Dishonored check charge is for payment returned unpaid. Equipment charges are valid for the pending Equipment Installment plan due. Service charges are valid for the service rendered.  Late fee is for late payments. Restoration fee is valid for service restoration. On October 11, 2024, CRM responded through CRAs.
  
  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.

• Initial Complaint

  Date:09/25/2024

  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.

  They are claiming I have an account with T-Mobile when I do not have a T-Mobile account. My phone are completely paid off and when called they could not provide proof of debt or wet signature authorizating anything including the original debt they claim.I want this completely removed. If not I would like to file a lawsuit. Fraudulent charges will not go unpunished

  Business Response

  Date: 10/08/2024

  CRM REFERENCE NUMBER: 351296143;
  CREDITOR NAME: T-Mobile US, Inc.;
  CREDITOR ACCOUNT NUMBER: 986287043;
  
  Credence
  Resource Management, LLC (CRM) has received your September 26, 2024, complaint
  filed with the Better Business Bureau and understands that you state that CRM
  is claiming that you have an account with T-Mobile , you state that when you do
  not have a T-Mobile account. You state that when you called CRM, CRM could not
  provide you a proof of debt or wet signature authorizing anything including the
  original debt that CRM claimed. You state that you want this debt to be
  completely removed. You state that if this debt is not removed then you will
  file a lawsuit. You state that the fraudulent charges will not go unpunished. Based
  upon our research CRMs findings are as follows:
  CRM has
  reviewed your correspondence and would like to appraise you that CRM is a
  collection agency working on behalf of T-Mobile US, Inc., and is not the
  original creditor.
  On June 9,
  2024, T-Mobile US, Inc., placed the above referenced account with CRM for
  collection in the amount of $175.05.
  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.
  CRM 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 September 21, 2024, the account was credit reported to Transunion
  and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On September 26, 2024, CRM was
  notified about dispute through BBB complaint. The account was placed in dispute
  status. CRM updated the tradeline to reflect as disputed. CRM notified the
  creditor about the same. As per the creditor “Account start date - 11/02/2022,
  Account End Date - 09/02/2023,Cancelation Reason - Port Out-WO (Non-payment). Account
  is activated as Individual-Regular postpaid account with billing person name
  JAMES ROBERTS. Equipment charge has not been incurred on account. Found
  significant usage on account till cancelation. Customer ported out the service
  End of the final billing cycle however we can see in previous billing cycle
  adjustment was already issued. Charges billed on account are valid. Last
  payment date - 08/01/2023, Last payment amount - $138.42, Breakdown of Balance
  -Current Account Balance - $175.05, Statement Date - 08/03/2023 to 12/03/2023, Charges
  - Assurant of $18.19, service of $75, late fee of $35.25, SaaS MKT of $11.6 including
  collection fee of $35.01, OCA Fee - $35.01. Debt validation - Assurant charges
  are valid for insurance warranty and mobile security. Service charges are valid
  for service rendered. SaaS MKT is Valid for software usage charges. Late fee is
  for late payments. On the same day, CRM was notified about dispute through CRA’s.
  The account was placed in dispute status.
  As per records, on September 28, 2024, CRM received a call
  from you upon which you notified CRM about cease. On the same call, you agreed
  to make a payment of $57.The account was placed in a restricted status.
  On September 30, 2024, the creditor recalled the account.
  CRM closed the account and returned it to the original creditor.

  Although reported accurately and in compliance with the
  law, over the weekend CRM will send an account deletion request to the bureaus.
  Please be informed that CRM cannot affect a change as to when the credit
  bureaus processes the deletion request that CRM submits relating to the
  account.
  

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

• Initial Complaint

  Date:09/25/2024

  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.

  Formal Complaint Regarding Unjustified Credit Reporting and Request for Documentation To Whom It May Concern,I am writing in reference to this agency's recent actions that have impacted my credit report. It has come to my attention that they have failed to provide me with proper notification prior to adding information to my credit report, specifically in relation to an alleged balance with T-Mobile totaling $275.I wish to address the discrepancy as I have informed the agency that I do not have any accounts with T-Mobile. In fact, it has been nearly nine years since I transferred my phone number from ******** in 2014. The agency's claim that the account was ported in 2023 is inaccurate and misleading, as is their assertion of a payment made in June 2023. I must emphasize that these claims are based on misinformation and are not reflective of my financial ************** this regard, I am formally requesting all documents pertaining to this matter, accompanied by the relevant account number for verification purposes. Additionally, I kindly ask for the details of the last payment made on this account to cross-reference with my records. Should the agency be unable to fulfill this request in a timely manner, I will have no choice but to seek legal counsel to assess the situation and determine the appropriate course of action.-******* *****

  Customer Answer

  Date: 09/26/2024

  There is no letter on any email.    They never validated the debt  they just put it on my credit report thinking I was just going to stay quiet about it 

  Business Response

  Date: 10/14/2024

  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: 10/14/2024

  I am rejecting this response because:  there is no need to take this long going on over 30.
  
  
   Despite my repeated attempts to seek clarification and verification, I have yet to receive a conclusive response.
  
  
  I recently sent a certified letter requesting verification of the account but have not received any update in return. Furthermore, the supervisor, ******, whom I was advised to contact regarding this dispute, has also not responded to my emails. This lack of communication is causing unnecessary delays and frustration on my end.
  
  
  It has been over  30 days since the initial dispute was raised, and I find it unacceptable that there has been no resolution thus far. I urge for prompt action to be taken to address this matter promptly. If the account is not removed from my credit report within the next 10 days, I will have no choice but to seek legal counsel for representation.
  
  10/14/2024
  
  
  
  
  

  Business Response

  Date: 10/14/2024

  CRM REFERENCE NUMBER: 351049713;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your September 27, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM reported inaccurate information to the **** and you request CRM to provide you documentation. You state that you have informed *** that you do not have any accounts with T-Mobile. You state that it has been nearly nine years since you transferred your phone number from ******** in 2014. You state that *** claim that the account was ported in 2023 which you believe is inaccurate and misleading, as is CRM assertion of a payment made in June 2023. 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 April 22, 2024, *****************, placed the above referenced account with CRM for collection in the amount of $275.80.
  On August 15, 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 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 Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  As per the records, on September 25, 2024, CRM received a call from you, upon which you notified *** about dispute and request for a bill.The *** representative placed a request for same. The account was placed in restricted status. *** updated the tradeline to reflect as disputed. On the same day CRM was notified about dispute through correspondence.
  On September 25, 2024, and On September 27, 2024, *** was notified about dispute through CFPB and BBB complaint. The account was placed in restricted status respectively. *** notified the creditor about the same. As per the creditor Account start date - 09/11/2019, Account End Date - 06/16/2023, Bill date 13. Advice account type is Individual-Regular as postpaid activated and BRP's name is ******* *****.Received last payment on date 07/05/2023 of $61.40. Found usage till 06.16.2023. As per *** General memo dated 06.14.2023 - customer understood that balance will have to be paid. Breakdown of Balance Current account balance is $275.80 which consist of service charge $90, late fee $36.40, equipment $101.89, SaaS MKT $12.73, Including OCA fee $34.78. Debt validation - Service charges are valid for service rendered. Equipment charge is valid for pending equipment due.  Late fee valid for late payment. SaaS MKT charge is valid for software as service.
  On October 4, 2024, *** was notified about dispute through correspondence. The account was placed in 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.

  Customer Answer

  Date: 10/14/2024

  I am rejecting this response because:   
  
  
  
  
  
  Despite previous attempts to have this matter addressed, the requested documentation has not been received.
  
  
  It is essential for clarity and transparency that I receive validation of the supposed debt, as well as any related documentation such as the contract with T-Mobile and proof of the last payment made. Without this information, there remains a lack of evidence to substantiate the claim.
  
  
  I request that you prioritize this matter and provide me with the necessary validation of debt at your earliest convenience. Failure to do so may result in further escalation of this issue through appropriate channels.
  
  
  
  

  Customer Answer

  Date: 10/14/2024

  A proper validation is not done through email 

  who is to say it went to spam 

  Customer Answer

  Date: 11/08/2024

  From: R ***** <************************************************************************>
  Sent: Friday, November 8, 2024 10:23 AM
  To: Complaints <>
  Subject: Re: You have a New Message from BBB serving *******************, Complaint #********

   

  We worked it out.     With out getting BBB INVOLVED WE HAVE both agreed BBB is getting us no where. 

   

• Initial Complaint

  Date:09/24/2024

  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.

  RECENTLY . I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES . PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

  Business Response

  Date: 10/07/2024

  CRM REFERENCE NUMBER: 274373714;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: 512185744015;
  
  Credence
  Resource Management, LLC (CRM) has received your September 25, 2024, complaint
  filed with the Better Business Bureau and understands that you state that you
  did an investigation on your credit report and you found items on there to be
  inaccurate. You state that under section 15 US code 168 accuracy of report
  whenever a consumer reporting agency prepares a consumer report it shall follow
  reasonable procedures to assure maximum possible accuracy of the information
  concerning the individual about whom the report relates. You state to CRM to
  please remove the following items from your credit report immediately. Based
  upon our research CRMs findings are as follows:
  CRM has
  reviewed your correspondence and would like to appraise you that CRM is a
  collection agency working on behalf of AT&T Mobility, and is not the
  original creditor.
  On November
  22, 2023, AT&T Mobility, placed the above referenced account with CRM for
  collection in the amount of $1,981.57.
  On March 28, 2024, CRM mailed you the validation notice advising
  you of your right to dispute or request validation of the debt within 30 days.
  CRM 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 April 13, 2024, the account was credit reported to Transunion
  and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On September 25, 2024, CRM was notified about fraud through
  a BBB complaint. The account was placed in fraud status.
  For fraud related issues you can login to https://link.att.com/theftdocumentsand 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.
  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. CRM has no control over whether the creditor
  places the account with another collection agency for continued collection.
  Enclosed is the copy of validation received from the creditor.
  

  You may contact CRM at 855-880-4791 for any further
  questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT
  COLLECTOR.

• Initial Complaint

  Date:09/24/2024

  Type:Customer Service 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.

  We has **** through a direct tv bundle. When ********* was over we canceled it, So we had to wait to cancel the **** service. We canceled our first phone at the end of its contract. Then canceled the second after its contract. However when doing so we seen the first line was still being charged when it was not even on ****. Everything has been paid to ******************. We have had conversations about this years ago and it was completed, now we are getting sent a request for nonpayment? This is not owed and we are paid in full.

  Business Response

  Date: 10/07/2024

  CRM REFERENCE NUMBER: 277359170;
  CREDITOR NAME:
  AT&T UVERSE;
  CREDITOR ACCOUNT
  NUMBER: 251022616;
  
  Credence Resource
  Management, LLC (CRM) has received your September 25, 2024, complaint filed
  with the Better Business Bureau and understands that you state that you dispute
  this. You state that everything has been paid to AT&T and DirecTV. You state
  that you are getting sent a request for nonpayment. You state that this is not
  owed and you are paid in full. Based upon our research CRMs findings are as
  follows:
  
  CRM is a collection
  agency working on behalf of AT&T Uverse, and is not the original creditor.
  On July 16, 2024,
  AT&T Uverse, placed the above referenced account with CRM for collection in
  the amount of $322.63.
  
  On July 17, 2024, CRM
  mailed you the validation notice advising you of your right to dispute or
  request validation of the debt within 30 days. CRM has no record of that letter
  being returned as undelivered and no record of the debt being disputed or a
  validation being requested during the 30-day period.
  
  On September 21, 2024,
  the account was credit reported to Transunion and to Experian in compliance
  with the Fair Credit Reporting Act (FCRA).
  
  On September 24, 2024,
  CRM received a call from your spouse Mr. Franklin and stated that he refuse to
  pay this. The account was placed in restricted status.
  
  On September 25, 2024,
  CRM was notified about your dispute through BBB complaint. The account was
  placed on restricted status. CRM updated the tradeline to reflect as disputed. CRM
  notified the creditor about the same. As per the creditor “Customer was last
  current Aug 2022, No payments Sept-Dec 2022. Charges on the account are for DTV
  service. Service cancel on 12/07/2022 due to non-payment. Balance sustained.”
  
  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 855-880-4791 for any further
  questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/24/2024

  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 keep receiving phone calls from this company that shows up on my caller ID as Mediation Svcs *************). I work at a bank and I check my credit report EVERY month. I have a balance for my mortgage, and a few small balances on credit cards. I have no late payments, I have no collection accounts and I have no derogatory comments on my credit report. You can understand why it is risky for a bank to employee people with these items on their credit report, which is why they frequently run credit reports on all employees. Clearly this is a fraudulent claim and I am disputing it. I did answer once, but without verifying my social security number they will not talk to me. Again, I work in a bank and 60% of my time is spent helping people who have been scammed--I am not giving you this information.

  Customer Answer

  Date: 09/24/2024

  These are no documents only phone calls. 

  Business Response

  Date: 10/09/2024

  Credence
  Resource Management, LLC (CRM) has received your September 27, 2024 complaint
  filed with the Better Business Bureau and understands you state that you get
  repeated calls from CRM that shows up on your caller ID as Mediation Svcs
  (234-216-2916). You state that you have no collections and you have no
  derogatory comments on your credit report. You state that this is a fraudulent
  claim and you state that you dispute it. You state that you spoke to a CRM
  representative and without the verification of your social security number the
  communication did not continued. You state that you will not give that
  information. CRM 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 855-880-4791 or by mailing a
  letter to CRM at 4222 Trinity Mills, Suite 260, Dallas, TX 75287.
  

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

• Initial Complaint

  Date:09/24/2024

  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 ***** I do not have a contract with Credence Resource Management. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 09/24/2024

  They did not respond to the validation request from over 30 days ago.

  Business Response

  Date: 10/15/2024

  CRM REFERENCE NUMBER: 275780430;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your September 24, 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 contract with CRM. You state that *** did not provide you the original contract as requested. 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 Mobility, and is not the original creditor.
  
  On March 19, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $2,511.14.
  
  On March 22, 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 May 4, 2024, the account was credit reported to Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  
  On September 16, 2024, the creditor recalled the account. *** closed the account and returned it to the original creditor.
  
  On September 24, 2024, *** was notified about dispute through BBB complaint and through *****
  
  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.