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:02/15/2025

  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 has failed to validate the debt or remove the incorrect information. Their continued reporting of this account violates my consumer rights under federal law and has caused undue financial harm.Account Name: ********************** Account Number: **************Balance: $3,261.00 Date Reported: 01/26/2025 Credit Bureau Reporting: Experian Violations of Federal Law:Failure to Validate the Debt (15 USC 1692g)Under the Fair Debt Collection Practices Act, I have the right to demand validation of any debt before it is reported or collected. Credence Resource Management has not provided sufficient documentation proving that I owe this debt.Failure to Investigate Disputed Information (15 USC 1681i(a)(1)(A))The Fair Credit Reporting Act (FCRA) requires Experian and Credence Resource Management to properly investigate any dispute within 30 days of receiving a dispute notice. I disputed this debt, and no proper investigation was conducted.Reporting Inaccurate or Unverifiable Information (15 USC 1681s-2(a)(1)(A))Creditors and collection agencies must ensure the accuracy of the information they report. Since this account cannot be verified, it should not be reported at all.Misrepresentation of Debt Status (15 USC 1692e)It is illegal for debt collectors to misrepresent the status or validity of a debt. Reporting an unverifiable debt as an active collection misrepresents my financial status and negatively impacts my credit.Effect on Me:This inaccurate account has damaged my credit score, preventing me from obtaining necessary financial services.I have experienced denied credit opportunities and increased interest rates due to this false report.The continued reporting of this account has caused undue stress and financial hardship.Requested Resolution:Immediate deletion of this account from my credit report with Experian.

  Business Response

  Date: 02/27/2025

  CRM REFERENCE NUMBER: 276705585;
  CREDITOR NAME: Xfinity Mobile;
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your February 17, 2025 complaint filed with the Better Business Bureau and understands that you state that you dispute the debt. You believe that *** has not validated the debt. You state that *** has inaccurately reported the debt on your credit. You state that *** is in violation of law. You state that *** should provide the full validation of the debt as required by law. You state that *** should remove this account from your credit report.  Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of **************, and is not the original creditor.
  On May 23, 2024, *************** placed the above referenced account with CRM for collection in the amount of $3,256.92.
  On June 3, 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 June 6, 2024, CRM received a debit adjustment from the creditor of $5.00 which was applied to your account and the updated balance was $3,261.92.
  On July 13, 2024, the account was credit reported to Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On February 17, 2025, *** was notified about dispute through BBB complaint. The account was placed in a 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.
  On February 19, 2025, 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.

• Initial Complaint

  Date:02/15/2025

  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 not reliably for the debt with Credence Resource Management. I do not have contract with them. They did not provide me with the original contract as requested

  Customer Answer

  Date: 02/17/2025

  hi they call me over and over again but this debt does not belong to me and no proof has been sent.

  Business Response

  Date: 03/03/2025

  CRM REFERENCE NUMBER: 277238122;
  CREDITOR NAME:AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your February 15, 2025, 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 *** did not provide you with the original contract as requested. 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 7, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $2,846.01.
  On July 9, 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 to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On February 15, 2025,*** was notified about dispute through BBB complaint. The account was placed in a restricted status. *** updated the tradelines to reflect as disputed.
  On February 25, 2025, *** was notified about your dispute through the ****. The account remained in a restricted status.
  As per the records, on February *******, CRM received multiple calls from upon which you agreed to pay $1,309.17 to resolve the account for less than the complete balance. You made the payment on website.
  On February 28, 2025, CRM was received check payment of $1300. Same was applied to your account. On March ******, *** was received card payment of $9.17. Same was applied to your account.
  On March 3, 2025, CRM closed the account as resolved for less than the complete balance and returned it to 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: 03/03/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/14/2025

  Type:Service or Repair 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.

  Rude and yelled at me. Refuse to tell me what the original debt was and continued to yell at me to give my name. The phone number came up as spam. Not dealing with illegal collecting practices. The call center sounded like *****, which sounds very suspicious and they call after legal hours for collection.

  Business Response

  Date: 02/28/2025

  CRM REFERENCE NUMBER: 154197365;
  CREDITOR NAME: American Medical Response West;
  CREDITOR ACCOUNT ********************;
  
  **********************, LLC (CRM) has received your February 17, 2025, complaint filed with the Better Business Bureau and understands that you state that CRM person was rude and yelled at you. You state that the person refused to tell you what the original debt was and continued to yell at you to give your name. You state that the phone number came as spam. You state that you are not dealing with illegal collecting practices. You state that the call center sounded like *****. You state that which sounds very suspicious and you state that CRM call after legal hours for collection. 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 American Medical Response West, and is not the original creditor.
  On March 10, 2023, American Medical Response West, placed the above referenced account with CRM for collection in the amount of $656.55.
  On March 20, 2023, 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 February 17, 2025, CRM was notified about dispute through BBB complaint. The account was placed in cease status and *** will not pursue collections on this 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.

  Customer Answer

  Date: 02/28/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/14/2025

  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 RM , they did not provide me with the original contract as i requested.Opened Date: 12/16/2024 Account Number: *********High Credit: $1,518.00

  Business Response

  Date: 02/24/2025

  CRM REFERENCE NUMBER: 352224634;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your February 14, 2025, 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 as you 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 December 16, 2024, *****************, placed the above referenced account with CRM for collection in the amount of $1,518.92.
  On December 17, 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 February 1, 2025, the account was credit reported to Experian and Transunion and in compliance with Fair Credit Reporting Act (FCRA).
  On February 14, 2025, CRM was notified about fraud through BBB complaint. The account was placed in fraud status. *** notified the creditor about the same. As per the creditor Account start date -02/14/2019, Account End Date -10/24/2022, Cancelation Reason -non pay. Account activated as individual regular postpaid account with billing person name NUQUANA *. ********. ******** does not currently have a reporting relationship with the credit bureaus, Customer is to contact the bureaus directly with their credit related dispute. Final equipment billed on ********** per   CSM General Memo dated 10/26/2022 discuss the customer that we acknowledge resume the account if she will be paying the past due. Last payment date -08/27/2022, Last payment amount *******, Breakdown of Balance -Current Account Balance $1,518.92, Statement Date -07/15/2022 to 11/15/2022, Charges -service$285.00,late fee$126.28,equipment$623.41, assurant$194.58, EQUIPMENT $110.55, OCA Fee *******. Debt validation -EQUIPMENT charges are valid for assurant damage device not received. Service charges are valid for service rendered. Equipment charges are valid for the pending equipment installment plan due.  Assurant charges are valid for insurance warranty and mobile security. Late fee is for late payments and one time charges to restore sub from suspension.
  On February 18, 2025, 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. *** 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 original creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:02/14/2025

  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.

  Contact Information ****** ******** First Name:Last Name:Address: Phone: Email: ************************************************************************************************************* ************ Personal Statement Accounts Affected by the Crime Account Number: ********* 2/2025 **************************** or CREDENCE RESOURCE Organization: MANA Original creditor:XFINITY MOBILE Date fraud began: Date that I discovered it:Total fraudulent amount: $ 1997 ******************************************************* Page 1 of 3 ************************** 2/13/25, 11:54 ************ or Organization:Account Number:2/2025 **************************** or Organization:Account Number:2/2025 **************************** or Organization:Account Number:2/2025 WFBNA CARD ********** NAVY FEDERAL ******** ******X CREDIT FIRST N A ******XXX $ 1066 Date fraud began: Date that I discovered it:Total fraudulent amount: Date fraud began: Date that I discovered it:Total fraudulent amount: $ 1093 Date fraud began: Date that I discovered it:Total fraudulent amount: $ 801 Fraudulent Information on Credit Reports Accounts or Charges Personal Information Credit Inquiries Yes, fraudulent accounts or charges appear on my credit report Addresses: ******************************************************************************************** FINANCIAL ,DELTA COMM, SANTANDER Other Identity Theft ******************************************************* Page 2 of 3 ************************** 2/13/25, 11:54 PM Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.****** ******** 2/13/2025 ****** ******** Date

  Business Response

  Date: 02/27/2025

  CRM REFERENCE NUMBER: 279730754;
  CREDITOR NAME: Xfinity Mobile;
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your February 14, 2025, complaint filed with the Better Business Bureau and understands that you state that your credit is reported for an unknown account. You state that you did not sign any agreement or contract to have the account opened in your name. You state that you want the account to be removed from the ***** You demand *** to provide detailed documentation, including the original account agreement, proof of all charges,and a comprehensive payment history to substantiate the reported data. You state that *** reported inaccurate information to the ****. You believe you are a victim of Identity theft. Based upon our research CRMs findings are as follows:
  
  CRM is a collection agency working on behalf of **************, and is not the original creditor.
  On December 13, 2024,Xfinity Mobile, placed the above referenced account with CRM for collection in the amount of $1,997.56.
  On December 16, 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.
  The creditor notified CRM about multiple debit adjustment. Same was applied to your account and the updated balance was $2,070.04.
  On February 1, 2025,the account was credit reported to ********** and on February 2, 2025, the account was credit reported to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On February 14, 2025, CRM was notified about fraud through BBB complaint and through the ****. The account was placed in a restricted status respectively. *** updated the tradelines to reflect as disputed. *** notified the creditor about the same. As per the creditor Resi Account: **************** Customer Name: ****** ******** Account investigation has determined the charges on this account are valid,Collections will continue. Removed payment method. ***** involved with this case. *************** *************** *************** No secondary IMEI *************** No secondary IMEI *************** No secondary IMEI *************** *************** *************** *************** *************** *************** *************** No secondary IMEI.
  On February 22, 2025,CRM was notified about fraud through the ***** The account remained in a restricted status.
  CRM placed a request with the creditor upon receipt CRM will mail you the copy of validation obtained from the original.
  Although reported accurately and in compliance with the law, 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 CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:02/13/2025

  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 not liable for this debt with T-Mobile, I do not have a contract with CREDENCE RESOURCE MANAGEMENT, they did not provide me with the original contract as requested.

  Customer Answer

  Date: 02/14/2025

  asking for validation was done via telephone call. 

  Business Response

  Date: 02/28/2025

  CRM REFERENCE NUMBER: 351743347;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your February 17, 2025, 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 contract with ***. You state that *** 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 *** is a collection agency working on behalf of *****************, and is not the original creditor.
  On September 6, 2024, *****************, placed the above referenced account with CRM for collection in the amount of $505.91.
  On September 9, 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 October 30, 2024, CRM emailed you the itemized statement.
  On October 22, 2024, the account was credit reported to Experian and on October 26, 2024, the account was credit reported to Experian in compliance with Fair Credit Reporting Act (FCRA).
  On February 13, 2025, *** was notified about fraud through ****. The account was placed in fraud status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Account start date -05/28/2018, Account End Date -01/06/2024, Cancelation Reason -Nonpayment. Account started as postpaid Individual-Regular as billing person name **** *. MEDRANO  Original billing responsible party responsible for charges billed on account. Equipment billed on account. Advised ******** does not currently have a reporting relationship with the credit bureaus, Customer is to contact the bureaus directly with their credit related dispute.  Last payment date -11/06/2023.Last payment amount ******. Breakdown of Balance -Current Account Balance -$505.91, Statement Date -09/28/2023 to 02/28/2024, Charges -Service$242.35,late fee$86.29, Assurant$33, equipment$144, SaaS MKT$0.27, OCA Fee NA. SaaS MKT are valid subscription charges. Service charges are valid for the service rendered.  Late fee is for late ****************** charges are valid for the pending Equipment Installment plan due.  Assurant charges are valid for insurance warranty and mobile security
  On February 14, 2025, CRM mailed you the fraud packet.
  On February 17, 2025, CRM was notified about dispute through BBB complaint. The account was placed in dispute status.
  On February 21, 2025, *** was notified about dispute through a correspondence. The account remained in dispute status.
  Enclosed is the copy of validation received 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: 02/28/2025

  I am rejecting this response because:   

  Business Response

  Date: 03/07/2025

  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. 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 February 13, 2025, CRM was notified about fraud through *****The account was placed in fraud status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Account start date -05/28/2018, Account End Date -01/06/2024, Cancelation Reason -Nonpayment. Account started as postpaid Individual-Regular as billing person name **** *. MEDRANO  Original billing responsible party responsible for charges billed on account. Equipment billed on account. Advised ******** does not currently have a reporting relationship with the credit bureaus, Customer is to contact the bureaus directly with their credit related dispute.  Last payment date -11/06/2023. Last payment amount ******. Breakdown of Balance -Current Account Balance -$505.91, Statement Date -09/28/2023 to 02/28/2024, Charges -Service$242.35, late fee$86.29, Assurant$33, equipment$144, SaaS MKT$0.27, OCA Fee NA. SaaS MKT are valid subscription charges. Service charges are valid for the service rendered.  Late fee is for late payments. Equipment charges are valid for the pending Equipment Installment plan due.  Assurant charges are valid for insurance warranty and mobile security
  On February 14, 2025, CRM mailed you the fraud packet.
  On February 17, 2025, CRM was notified about dispute through BBB complaint. The account was placed in dispute status.
  On February 21, 2025, *** was notified about dispute through a correspondence. The account remained in dispute status.
  
  On March 6, 2025, the creditor recalled the account. *** closed the account and returned it to the creditor.On the same day, CRM emailed you the dispute response letter.
  
  On March 7, 2025, CRM emailed you the itemized statement.
  
  Although reported accurately and in compliance with the law, over the weekend *** 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.
  
  

  Customer Answer

  Date: 03/07/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:02/13/2025

  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 Power and I do not recall or have contract with 11 AT T

  Business Response

  Date: 02/24/2025

  CRM REFERENCE NUMBER: 279464905;
  CREDITOR NAME: AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your February 14, 2025, 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 recall or have contract with AT&T. 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 November 25, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $1,346.02.
  On November 27, 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 January 11, 2025, the account was credit reported to Experian and on January 12, 2025, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On January 27, 2025, CRM was notified about bankruptcy .The account was placed in bankrupt status.
  On February 2, 2025, *** was notified about fraud through *****The account remained on restricted status.
  On February 4, 2025, *** was notified about fraud through ****. The account remained on restricted status.
  On February 7, 2025, *** was notified about cease and desist through correspondence. The account remained in restricted status.
  On February 13, 2025, *** was notified about request for debt validation through correspondence.
  On February 14, 2025, *** was notified about cease and desist through BBB complaint. The account was placed in a restricted status.CRM notified the creditor of the dispute. As per the creditor C&D received 02/17/25 <2025-02-16>, permanently removed from active treatment,customer still responsible for balance. 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 **************************************************.
  On February 18, 2025, the creditor recalled the account.CRM 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.
  
  Enclosed is the copy of validation received from the creditor.
  You may contact the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
  

• Initial Complaint

  Date:02/12/2025

  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 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 I requested.

  Customer Answer

  Date: 02/12/2025

  This is Mail I received about from the debt collector 

  Business Response

  Date: 02/26/2025

  CRM REFERENCE NUMBER: 277832787;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your February 12, 2025, 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 with the original contract as you 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 August 23, 2024, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $3,953.03.
  On September 5, 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 October 8, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  January 1, 2025 and on January 2, 2025, CRM was notified about dispute through ****. The account was placed in dispute status. *** updated the tradeline to reflect as disputed.
  On January 16, 2025, *** was notified about dispute through **** complaint. The account remained in dispute status. *** notified the creditor of the dispute. As per the creditor This account stands for an AT&T;s postpaid wireless service for 3 lines (during account lifetime) ending numbers 8938, 1120, 8822. Account was opened on 10/05/2022 and cancelled on 10/02/2023 due to non-payment. Last payment processed on the account was on 07/10/2023 for $131.86. 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 3 financed device with ending number 8938, 1120, 8822 found on records. Charges are valid due to customer acceptance of contract and Terms & Conditions under the name of ****** AYOBAMI *******.
  On January 22, 2025, CRM mailed you the itemized statement.
  On January 30, 2025, CRM was notified about dispute through ****. The account remained in dispute status. *** notified the creditor of the dispute. As per the creditor This account stands for an AT&T;s postpaid wireless service for 3 lines (during account lifetime) ending numbers ********* and 8822. Account was opened on 10/05/2022 and cancelled on 10/02/2023 due to non-payment. Last payment processed on the account was on 07/10/2023 for $131.86. 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 3 financed devices with ending numbers 8938, 1120 and 8822 found on records.Charges are valid due to customer acceptance of contract and Terms &Conditions under the name of ****** AYOBAMI *******.
  On February 12, 2025, CRM was notified about dispute through BBB complaint and CRAs. The account remained in dispute status.
  On February 25, 2025, *** was notified about fraud through ****. The account was placed in dispute status.
  On February 26, 2025, 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.
  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.

  Customer Answer

  Date: 02/26/2025

  I am rejecting this response because:   ************ illegally acquired my personal information. I have a video of being on a phone call of them admitting that they have my social security number when I never signed a contract with them even once. I have lost so many business opportunities because of the collections that they are not only illegally reporting on me but also illegally acquired my personal information to do so. Ive been a victim of fraud and I would like for this issue be solved immediately with the dire sense of urgency it desires. I am fearful that they have my personal data and will use it to cause me more harm in the future

  Business Response

  Date: 03/07/2025

  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 *** illegally acquired your personal information. You state that you have a video of being on a phone call of CRM admitting that they have your social security number when you have never signed a contract with *** even ******** state that you have lost so many business opportunities because of the collections that CRM is not only illegally reporting on you but also illegally acquired your personal information to do so. You state that you have been a victim of fraud and you would like for this issue be solved immediately with the dire sense of urgency it desires. You state that you are fearful that CRM has your personal data and will use it to cause you more harm in the future. Based upon our research CRMs findings are as follows:
  
  On February 25, 2025, *** was notified about fraud through ****. The account was placed in dispute status.
  On February 26, 2025,CRM mailed you the fraud packet.
  As per records, on February 26, 2025, *** received a call from you upon which CRM was notified about dispute. The account was placed on a restricted status.
  On February 27, 2025,*** was notified about cease through ****. The account was placed on a restricted status.
  On March 4, 2025 and March 5, 2025, *** 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.
  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 and contract copy received from the creditor.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
  

  Customer Answer

  Date: 03/07/2025

  I have reviewed the business response and accept this resolution. All credit bureaus are no longer reporting on the fraudulent account. Thank you! Lets keep it that way please and thank you. 

• Initial Complaint

  Date:02/12/2025

  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 ***** I do not have a contract with Credence Resources Management they did not provide me with original contract as I requested.

  Customer Answer

  Date: 02/12/2025

  I dont have a verification letter from this collection company 

  Business Response

  Date: 02/26/2025

  CRM REFERENCE NUMBER: 277619165;
  CREDITOR NAME: AT&T Uverse;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your February 17, 2025, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt AT&T. You state that you do not have a contract with CRM. You state that *** did not provide you with original contract as you 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 Uverse, and is not the original creditor.
  On August 6, 2024, AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $203.90.
  On August 7, 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 September 21, 2024, the account was credit reported to Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On February 17, 2025, CRM was notified about dispute through BBB complaint. The account was placed in dispute status. *** updated the tradeline to reflect as disputed. *** notified the creditor of the ********** per the creditor No adjustment issued. 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 **************************************************.
  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:02/11/2025

  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.

  Upon me looking at my consumer report I observed this business was reporting to my consumer report, who I don't know, and have never had a contract with for service or goods is reporting to my consumer report using fictious variation of there corporate fiction. This debt was once placed on my account from another debt collector ************************************ which was removed from my consumer report. This corporate fiction who I don't have any business with is using the original creditors name as a guise to violate my rights as a consumer through identity theft and using fictious names of there corporate entity on my consumer report illegally. the debt has never been validated, and there is no contract binding me to performance.

  Customer Answer

  Date: 02/12/2025

  On the complaint I attached all applicable documents with regard to this debt including the correspondence they sent to my residence.

  Customer Answer

  Date: 02/12/2025

  The 3rd party debt collector in question, I do not know who they are, and have never had any contract with them that gives them permissible purpose to have my personal information which constitutes identity theft according to the consumer financial protection bureaus definition. This debt was previously given to another 3rd party debt collector who like the one in question started reporting to my consumer report using fictious names, but was removed after complaints were filed against them. The debt collector also states that this account was opened on October 2nd of 2024, which is not true, because I never opened up any account with an entity by the 3rd party debt collectors name in question.  The letter attached was sent to my residence after they started reporting  to my consumer report without giving ,me any opportunity to receive debt validation. This 3rd party debt collector is also using three different names spelled different way to report on my consumer report and violate my rights as a consumer.  The original creditor was sent a tender of payment offer according to UCC 3-603/UCC ***** which they accepted for the complete amount making the debt satisfied, and even if the debt is not satisfied that is a matter between me and the original creditor not a 3rd party non affiliated who has no permissible purpose to have any of my personal information and should not be using deceptive practices such as reporting an item to my consumer report without giving a person a chance to validate the debt and using fictious names on different consumer reports knowing that an incorrect spelling is also a violation and denotes another entity other than the one that is claiming a person or me owes a debt to them. 

  Business Response

  Date: 03/03/2025

  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: 03/03/2025

  I have reviewed the business response and accept this resolution. This item was removed from my consumer reports, I appreciate that, and the only thing further for this entity to do is cease and desist all collection activities against me because I do not have a contract and have never had a contract with them for service or goods, and therefore they did not and do not have permissible purpose to have my non public information and collect on a securitzed debt that they bought out of a pool of debts.