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:05/26/2024

  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.

  Credence Resource Management opened a false claim on my credit that I have debt of $66.00 to a company I don't have an account with. I never had ATT, I never received any bills about said account, and I suddenly had a new collection account on my credit. This has impacted my credit score. I googled Credence Resource Management and to my surprise is plagued with a plethora of negative Reviews from people warning others not give Credence Resource Management personal information due to scam practices. I would like this account to be remove from my credit report immediately.

  Business Response

  Date: 06/20/2024

  CRM REFERENCE NUMBER: 275477371;
  CREDITOR NAME: AT&T UVERSE
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 29, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM opened a false claim on your credit that you have debt of $66.00 to a company you don't have an account with. You state that you never had ATT.You state that you never received any bills about said account, and suddenly had a new collection account on your credit. You state that this has impacted your credit score. 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 February 21, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $66.76.
  On February 22, 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 April 13, 2024, the account was credit reported to Experian and to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 29, 2024, CRM was notified about fraud through BBB complaint. The account was placed in 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.
  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. CRM 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.

• Initial Complaint

  Date:05/25/2024

  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.

  I am not liable for this debt with ********* I do not have a contract with Credence Resource Management, LLC. They have not provided me with the original contract as I requested. In addition Credence Resource Management, LLC. does not have a licence in *******.

  Customer Answer

  Date: 06/01/2024

  Please see attached for dispute letter.

  Business Response

  Date: 06/18/2024

  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.

  Business Response

  Date: 06/24/2024

  CRM REFERENCE NUMBER: 350520485;
  CREDITOR NAME: ******** US, Inc.;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 29, 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 CRM. You state that CRM did not provide you with the original contract when requested. You state that CRM does not have a license in *******. 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 ******** US, ***** and is not the original creditor.
  On December 12, 2023, ******** US, ***** placed the above referenced account with CRM for collection in the amount of $712.75.
  On December 13, 2023, CRM mailed 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 January 27, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 25, 2024, CRM was notified about dispute through CRAs. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  On May 29, 2024, CRM was notified about dispute through BBB compliant. The account remained in dispute status.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  CRM 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 CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/24/2024

  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 charter communications, I do not have a contract with CREDENCE RESOURCE MANAGEMENT, they did not provide me with the original contract as I requested

  Business Response

  Date: 06/06/2024

  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.

  Business Response

  Date: 06/14/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 24, 2024 complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt and you do not have a contract with CRM. You state that CRM failed to provide you with original application as per your request. Based upon our research, CRM's findings are as follows:
  
  CRM is a debt collection agency that has been hired by AT&T to collect on a past due debt. *** is acting as an agent of the creditor.
  
  On Feb 09, 2021, AT&T placed the above referenced account with CRM for collection in the amount of $1217.46. On Feb 10, ***************************************************************************************** request validation of the debt within 30 days after you received the notice.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 March 27, 2021 and March 28, 2021 the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA). On April 13 and April 15, 2024 CRM was notified of dispute and fraud through CRAs. Account was placed in restricted status. On April 17 CRM mailed fraud packet to you. CRM notified creditor of your dispute.As per the creditor charges are valid.
  
  On 05-10-2024 CRM mailed an itemized statement and copy of contract to your mailing address. On 05-24-2024 CRM received your BBB complaint notifying dispute. Account was placed in cease and desist status.
  
  On 05-28-2024 your account was recalled by the creditor. Due to the recall, CRM requested its entries be removed from your credit reports. CRM cannot guarantee, warrant or take responsibility for the performance of any credit bureau with respect to changing, deleting, suppressing or making entries regarding any credit information or other information regarding you or the account. CRM also cannot control whether the creditor or another entity has or will later report the account on your credit report(s).
  
  You may contact the creditor directly for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/24/2024

  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.

  This company Credence Resource Management LLC never contacted me about a debt from ATT account ********* for the amount of $433.00. As of 05/24/2024, I am officially disputing all of this debt. I am filing this complaint to dispute the debt that you are attempting to collect on behalf of ATT. I have never signed an agreement for my information to be shared or sold to Credence Resource Management LLC, nor do l have a contract nor have l ever signed a contract with ATT or Credence Resource Management LLC. This is a direct violation of my consumer rights cited by the ****** I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advised these documents must have my consent stating l owe this debt to ATT and Credence Resource Management LLC. This must be written, original documentation, not electronic forms or scans. Again note that this account with ATT has already been disputed on several occasions in regards to it being a result of identity theft. I have filed multiple disputes and complaints to CFPB, and FTC. Because of the constant lack of care and responsibility on all parties, I am requesting Credence Resource Management LLC cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request ATT and Credence Resource Management LLC cease and desist all attempts to collect this debt further. Please advise ATT AND Credence Resource Management LLC to cease and desist reporting this collection to the credit reporting agencies. Remove this item from all three credit reports immediately You are hindering my daily duties tremendously. Thank you for your time and attention to this matter

  Customer Answer

  Date: 05/27/2024

  To whom it may concern, I ************************* never had an ATT&T account they are messing up my credit file.

   

  Business Response

  Date: 06/18/2024

  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.

  Business Response

  Date: 06/28/2024

  CRM REFERENCE NUMBER: 264961706;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 24, 2024, complaint filed with the Better Business Bureau and understands that you state that you are CRM never contacted you about a debt from ATT account ********* for the amount of $433.00. You state that as of 05/24/2024. You state that you dispute this debt CRM is attempting to collect on behalf of ATT. You state that you have never signed an agreement for your information to be shared or sold to CRM, nor do you have a contract nor have you ever signed a contract with ATT or CRM. You believe that CRM had violated your consumer rights cited by the ****** You want CRM to verify this debt. You want CRM to provide you validation of debt along with other supporting documents. 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 March 29,2022, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $2,052.74.
  On April 1, 2024, CRM mailed 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 May 20, 2022, the account was credit reported to Experian and on May 21, 2022, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 24, 2024, CRM was notified about fraud through BBB complaint.The account was placed in fraud status. On May 28, 2024, CRM mailed you the fraud packet.
  Please 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.
  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.
  You may contact CRM at ************ for any further questions.
  

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

• Initial Complaint

  Date:05/24/2024

  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 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.

  Business Response

  Date: 06/06/2024

  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.

  Business Response

  Date: 06/14/2024

  Credence Resource Management is investigating the complaint and will provide a full response 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: 06/14/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your May 24, 2024 complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt and you do not have a contract with CRM. You state that CRM failed to provide you with original application as per your request. Based upon our research, CRM's findings are as follows:
  
  CRM is a debt collection agency that has been hired by AT&T to collect on a past due debt. *** is acting as an agent of the creditor.
  
  On December 20, 2023, AT&T Uverse placed the above referenced account with CRM for collection in the amount of $171.89. On Feb 21,2023 CRM mailed you an initial collection notice advising you of your right to dispute or request validation of the debt within 30 days after you received the notice. 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 February 10, 2024 the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA). On May 18, 2024 CRM was notified of fraud through CRAs. Account was placed in Fraud status. On May 20, 2024 CRM mailed fraud packet to you. On May 24, 2024 CRM received your BBB complaint notification. Your account was placed in 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.
  
  On 06-04-2024 your account was recalled by the creditor. Due to the recall, CRM requested its entries be removed from your credit reports. CRM cannot guarantee, warrant or take responsibility for the performance of any credit bureau with respect to changing, deleting,suppressing or making entries regarding any credit information or other information regarding you or the account. CRM also cannot control whether the creditor or another entity has or will later report the account on your credit report(s).
  
  You may contact the creditor directly for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:05/23/2024

  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 **** with charter communications, I do not have contract with CREDENCE RM, they did not provide me with the original contract as i requested.

  Business Response

  Date: 06/05/2024

  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.

  Business Response

  Date: 06/14/2024

  CRM Reference Number: *********;
  Creditor Name: DIRECTV,LLC;
  Creditor Account Number: ********;
  **********************, LLC (CRM) has received your May 23, 2024 complaint filed with the Better Business Bureau and understands you state that you do not have a contract with CRM. You have also provided the *** report indicating that you have been a victim of theft of identity.
  Based upon our research, CRMs findings are as follows:
  CRM is a collection agency working on behalf of DirecTV and is not the original creditor. CRM doesnt need to have a contract in order to collect on the account.
  On February 16,2023 DIRECTV, LLC placed the above referenced account with CRM for collection in the amount of $470.08. On March 13, 2023 CRM sent you an initial collection notice notifying you of your right to dispute and request validation.
  On May 06, 2023 and May 07, ******************************************************************************* compliance with the Fair Credit Reporting Act, (FCRA).
  On May 16, 2024 CRM was notified of your fraud claim through the **** Account was placed in fraud status. On May 17, 2024 CRM mailed you a letter explaining the fraud procedure. Please 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.
  CRM also requested its entries be removed from your Experian and TransUnion credit reports. CRM cannot guarantee, warrant or take responsibility for the performance of any credit bureau with respect to changing, deleting, suppressing or making entries regarding any credit information or other information regarding you or the account. CRM also cannot control whether the creditor or another entity has or will later report the account on your credit report(s).
  You may contact CRM at ************ for any further questions.
  *CRM Compliance Department
  **This communication is from a debt collector.

• Initial Complaint

  Date:05/22/2024

  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.

  CREDENCE RESOURCE MANA Has contacted me in regards to an outstanding account with **** this account has been removed from my Equifax, TransUnion, and Experian profile approximately 3 times. The account in question was opened fraudulently over 7 years ago, therefore its beyond the statute of limitations and I am not liable for an account opened fraudulently.

  Business Response

  Date: 06/05/2024

  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.

  Business Response

  Date: 06/14/2024

  CRM REFERENCE NUMBER: 266681398;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 23, 2024, complaint filed with the Better Business Bureau and understands that you state that CRM had contacted you in regards to an outstanding account with AT&T.You state that the account in question was opened fraudulently over 7 years ago and you state that therefore its beyond the statute of limitations. You state that you are not liable for an account opened fraudulently. 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 August 23, 2022, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,529.24.
  On August 24, 2022, CRM mailed 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 October 15, 2022, the account was credit reported to Experian and on October 16, 2022, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 23, 2024, CRM was notified about fraud through BBB complaint. The account was placed in fraud status. On May 24, 2024, CRM mailed you the fraud packet.
  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.
  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. CRM 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.

• Initial Complaint

  Date:05/22/2024

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

  Customer Answer

  Date: 05/23/2024

  We spoke to the debt collector on 02/19/2024 they stated they could not provide an original contract. They also stated the original contract had been mailed to address on file which was not our address. I have never received an original contract for this debt. 

  Business Response

  Date: 06/13/2024

  Credence Resource Management is investigating the complaint and will provide a full response 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: 06/21/2024

  CRM REFERENCE NUMBER: 274681942;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 31, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with ATT. 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 Mobility, and is not the original creditor.
  On December 17, 2023, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $2,207.23.
  On January 8, 2024, CRM mailed you the validation notice along with the offer advising you of your right to dispute or request validation of the debt within *************************************************************************************************************** requesting validation during the 30-day period.
  On February 3, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On May 11, 2024, and On May 12, 2024, CRM was notified about dispute through CRAs. The account was placed in dispute status respectively. CRM updated the tradeline to reflect as disputed.
  On May 31, 2024, CRM was notified about dispute through BBB compliant. The account was placed in dispute status. CRM notified the creditor about the same. As per the creditor This account stands for an AT&T postpaid wireless service for 4 Lines (during account lifetime) ending numbers 3111,4146, 1066, and 6460. Account was opened on 01/02/2021 and cancelled on 06/15/2021 due to customer request to port out. Last payment processed on the account was on 02/17/2022 for $150. On 12/17/2023, AT&T Mobility forwarded the subject account to **********************, LLC for collections on the balance of $2,207.23. 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 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 fee, monthly recurrent charge and balance of 3 financed devices ending lines 3111, 1066, and 6460. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ***********************************.
  On June 6, 2024, the creditor recalled the account, CRM 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. CRM 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.

• Initial Complaint

  Date:05/22/2024

  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 LLC. I do not have a contract with AT T. They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 05/30/2024

  Attached Above is the results from the last time I disputed this account when it was reported on my credit profile by a different collection agency. Credence has bought a debt assumed to be mine that I already disputed before. Im not sure it is even legal for another debt collection agency to buy and report an account I have previously and successfully disputed?! This debt is not mine and Credence Resource Management is wrongfully reporting it on my credit profile. They have been unable to provide me with an original contract OR proof that I owe this debt. I therefore need it removed and they are refusing to do so. I need the BBB to help me resolve this matter as I feel like I'm being bullied into accepting something that is not my obligation.

  Business Response

  Date: 06/25/2024

  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.

  Business Response

  Date: 07/02/2024

  CRM REFERENCE NUMBER: 275835172;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your May 23, 2024, complaint filed with the Better Business Bureau and understands that you state you are not liable for this debt with CRM. You state that you do not have contract with CRM. You state that CRM did not send 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 CRM is a collection agency working on behalf of AT&T Mobility, and is not the original creditor.
  On March 24, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,380.42.
  On April 5, 2024, CRM mailed 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 May 11, 2024, the account was credit reported to Experian and to TransUnion in compliance with the Fair Credit Reporting Act (FCRA).
  On May 22, 2024, and on May 23, 2024, CRM was notified about dispute through CRAs and through BBB complaint. The account was placed in dispute status respectively. CRM updated the tradeline to reflect as disputed. CRM 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 numbers 3061. Account was opened on 07/01/2021 and cancelled on 11/18/2021 due to non-payment. Last payment processed on the account was on 9/9/2021 for $131.51. Account holder is responsible for the charges of usage reflected on the service during the time account was active.On 03/24/2024, AT&T Mobility forwarded the subject account to **********************, LLC for collections on the balance of $1,380.42. 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 Credence Resource Management, LLC. Balance stands for past-due billed charges, late payment fees, monthly recurrent charges, and balance of 1 financed device with ending number 3061 found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ***********************************.
  On May 28, 2024, the creditor recalled the account. CRM 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. CRM 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.

• Initial Complaint

  Date:05/22/2024

  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 MANAGE. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 05/23/2024

  I never received proper documentation or sign any contract with this company.

  Business Response

  Date: 06/05/2024

  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.

  Business Response

  Date: 06/14/2024

  CRM Reference Number: *********;
  Creditor ************** US, ***;
  Creditor Account Number: *********;
  **********************, LLC (CRM) has received your May 22, 2024 complaint filed with the Better Business Bureau and understands you state that you are not liable for the debt with ********* You state that you do not have a contract with CRM and that CRM did not provide you proper documentation or the original contract as requested.
  Based upon our research, CRMs findings are as follows:
  CRM is a collection agency working on behalf of ******** and is not the original creditor. CRM doesnt need to have a contract in order to collect on the account.
  On September 14,2023 ******** US, *** placed the above referenced account with CRM for collection in the amount of $146.25. On September 15, 2023 CRM sent you an initial collection notice notifying you of your right to dispute and request validation. CRM has no record of the letter being returned as undelivered.
  On November 04,2023 the account was credit reported to Experian and TransUnion in compliance with the Fair Credit Reporting Act, (FCRA).
  After CRM received your complaint filed with the BBB, CRM forwarded your dispute to ******** and their records reflect the following Account activated as postpaid Individual-Regular as billing person name **********************.Original billing responsible party responsible for charges billed on account.Customer needs to resolve balance on same account. Found usage till 12/01/2022.Received last payment on account of $58.50 on dated 12/01/2022.  Customer port out 22th day of final billing cycle however still for that adjustment already given in previous billing cycle. Charges are valid. Breakdown of Balance Current account balance of $146.25 consist of service charges of $110,late fee of $7, including collection fee of $29.50. Service charges are valid for service rendered.
  Your account is being reported as disputed to the CRAs.
  You may contact CRM at ************ for any further questions.
  *CRM Compliance Department
  **This communication is from a debt collector.