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:09/30/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing as Trustee of the ****************************************** to file a formal complaint against Credence Resource Management (CRM) for reporting a collection account on ******** CARTERs credit report. I have no knowledge of this entity, & ******** ****** never received any notification/ validation from them regarding any alleged debt. This unauthorized and erroneous collection entry is negatively impacting her credit report and financial standing.Under the Fair Credit Reporting Act (FCRA), CRM is violating the following laws: FCRA Section 611 (15 U.S.C. 1681i): The right to dispute inaccurate information and the obligation of the furnisher to conduct a reasonable investigation of the disputed entry. Credence Resource Management has failed to notify ******** ****** of this alleged debt and has not provided any proof or validation of the claim, as required by law; FCRA Section 609 (15 U.S.C. 1681g): The right to know what information is being reported on a credit file. Credence Resource Management has not provided any proper notice or validation of the debt, violating the obligation to make full and accurate disclosures; FCRA Section 623 (15 U.S.C. 1681s-2): The obligation of the furnisher of information to provide accurate and complete information to credit reporting agencies. The continued reporting of this collection, without verification or notification, is in direct violation of this provision. I request that Credence Resource Management provide proof of claim, including any documentation that justifies their reporting of this collection account on ******** CARTERs credit report. If no such proof exists, I demand that this collection entry be immediately removed from the report. I authorize this complaint and request the BBBs assistance in resolving this issue. Credence Resource Management must provide written proof or remove this erroneous collection from ******** CARTERs credit file to avoid further harm to her *********************,********: ******

  Customer Answer

  Date: 10/02/2024

  T MOBILE is not responsible for this debt, nor is ******** ******. Her deal with CREDENCE RESOURCE MANAGEMENT is null and void, and they failed to furnish her with the original contract upon her request.

  Resolution: Correction to ******** CARTERs credit report- I demand this account removed from her credit report.

  By, ********: ******, Agent/Trustee of ******************************************

  For, ******** ******, Principal/Beneficiary 

  Business Response

  Date: 10/15/2024

  CRM REFERENCE NUMBER: 351432507;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your October 1, 2024, complaint filed with the Better Business Bureau and understands that you state that you are writing as trustee of the ******** ****** Living Trust to file a formal complaint against CRM for reporting a collection account on ******** Carters credit report. You state that you have no knowledge of CRM. You state that ******** ****** never received any notification/ validation from *** regarding any alleged debt. You state that this unauthorized and erroneous collection entry is negatively impacting consumers credit report and financial standing. You state that under the Fair Credit Reporting Act (FCRA), *** is violating the following laws: FCRA Section 611 (15 U.S.C. 1681i): The right to dispute inaccurate information and the obligation of the furnisher to conduct a reasonable investigation of the disputed entry. You state that *** has failed to notify ******** ****** of this alleged debt and has not provided any proof or validation of the claim, as required by law; FCRA Section 609 (15 U.S.C. 1681g): The right to know what information is being reported on a credit file. You state that *** has not provided any proper notice or validation of the debt,violating the obligation to make full and accurate disclosures; FCRA Section 623 (15 U.S.C. 1681s-2): The obligation of the furnisher of information to provide accurate and complete information to credit reporting agencies. The continued reporting of this collection, without verification or notification,is in direct violation of this provision. You state that you request *** to provide proof of claim, including any documentation that justifies CRMs reporting of this collection account on ******** CARTERs credit report. You state that if no such proof exists you demand that this collection entry to be removed immediately from the report. You state that *** must provide written proof or remove this erroneous collection from ******** CARTERs credit file to avoid further harm to her creditworthiness. 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 July ******, *****************, placed the above referenced account with CRM for collection in the amount of $132.98.
  On August 21, 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 Transunion and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On October 1, 2024, CRM was notified about dispute through BBB complaint. The account was placed in dispute status. *** notified the creditor about the same. As per the creditor Account start date -  11/27/2018, Account End Date -09/27/2023, Bill date  -  28, Found usage till final bill 10/28/2023.  Customer ported out towards end of the final billing cycle. Last payment on 09/20/2023 of $191.56 which was posted against past due balances, Still account left with remaining balance is valid. Breakdown of Balance - Current Account Balance - $132.98, Statement Date - 08/28/2023 to 12/28/2023, ***************** *****, late fee 5.97, Assurant *****, OCA Fee - *****. Debt validation - Service charges are valid for service rendered.  Late fee is incurred for late payments.   Assurant charges are valid for insurance warranty and mobile security.
  On October 3, 2024, *** was notified about dispute through ****. The account remained in dispute status.
  Enclosed is the copy of validation received from the creditor.

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

  Customer Answer

  Date: 10/18/2024

  I am rejecting this response because:   
  
  To Whom It May Concern,
  
  As the Power of Attorney and Trustee for ******** ******, I am writing in response to your response to the Better Business Bureau dated October 15, 2024, which followed a dispute concerning the unauthorized and erroneous reporting of a debt to Experian and TransUnion. ******** ****** previously opted out of T-Mobiles information sharing when she had an active account with them. Therefore, Credence Resource Managements actions in reporting her personal information are in direct violation of federal law. We hereby demand that you immediately cease reporting this debt and remove any related entries from all consumer reporting agencies.
  
  The basis of this dispute is supported by several key federal laws:
  
  1. Fair Credit Reporting Act (FCRA) - Permissible Purposes (15 U.S.C. 1681b)
  The **** strictly limits the circumstances under which consumer information can be shared with third parties, such as debt collectors. Since ******** ****** opted out of T-Mobiles information sharing, T-Mobile was not authorized to provide her personal information to Credence Resource Management, nor did CRM have a permissible purpose to report this information to any credit bureaus. Without clear, legally authorized grounds, your reporting of this debt constitutes a violation of her privacy rights under the *****
  
  2. **** - Responsibilities of Furnishers of Information (15 U.S.C. 1681s-2)
  The **** mandates that furnishers, including CRM, must ensure accurate information is provided to consumer reporting agencies and conduct a reasonable investigation when a consumer disputes an item. Since ******** ****** had explicitly opted out of sharing her information, and no contractual agreement authorized ******** or its representatives to share her data, CRMs reporting is not only inaccurate but unauthorized. This constitutes a violation of your obligations under the *****
  
  3. Fair Debt Collection Practices Act (*****) - 15 U.S.C. 1692c, 1692e, 1692f, 1692g
  The ***** provides several consumer protections that Credence Resource Management has failed to adhere to:
           Communication Restrictions (15 U.S.C. 1692c): The ***** prohibits debt collectors from engaging in specific communications without consent. ******** ****** did not authorize CRM to communicate regarding this debt, and any reporting or continued collection efforts without her explicit consent constitutes a violation.
           False or Misleading Representations (15 U.S.C. 1692e): Debt collectors are prohibited from using false, deceptive, or misleading means to collect a debt. Reporting ******** CARTERs information to Experian and ********** without proper authorization, despite her opt-out from T-Mobiles information sharing, is a deceptive act.
           Unfair Practices (15 U.S.C. 1692f): The ***** prohibits the use of unfair or unconscionable means to collect a debt. Reporting without verifying consent is both unfair and illegal.
           Validation of Debts (15 U.S.C. 1692g): The ***** requires debt collectors to provide proper validation of the debt, including details on the original creditor and the amount. Even if *** claims to have sent validation, this does not negate the fact that your reporting was based on unauthorized sharing of ******** CARTERs information, rendering any communication illegitimate.
  
  4. Consumer Credit Protection Act (CCPA)
  The CCPA and related consumer privacy protections emphasize consumers right to control how their information is shared. By opting out, ******** ****** exercised her right to restrict T-Mobile from sharing her information. Your actions, facilitated by unauthorized access to her data, violate these fundamental privacy protections.
  
  Demand for Immediate Action
  
  As the Power of Attorney and Trustee for ******** ******, I hereby demand that Credence Resource Management:
        1.   Immediately cease reporting the debt to all consumer reporting agencies, including Experian and ***********
        2.   Remove any existing reports related to this debt from ******** CARTERs credit file within 30 days.
        3.   Provide written confirmation that no further information regarding this disputed debt will be shared with any third parties.
        4.   Explain how CRM obtained ******** CARTERs personal information despite her opting out of information sharing with T-Mobile.
  Failure to comply with this request will result in the pursuit of all available legal remedies, including filing complaints with the ************************************ (****), the ************************ (***), and the state Attorney General. Legal action may also be initiated for violations of the ***** and ****, which could result in statutory damages, attorney fees, and compensation for harm caused by these unauthorized practices.

  
  Cordially,
  ********: ******
  Power of Attorney and Trustee for ******** ******
  

  Business Response

  Date: 10/25/2024

  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 state that you want *** immediately cease reporting this debt and remove any related entries from all reporting agencies. Based upon our research CRMs findings are as follows:
  The account is placed on cease status and CRM will not pursue collections on this account.
  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 the creditor directly for any further queries.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

  Customer Answer

  Date: 10/25/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:09/30/2024

  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.

  Dear Credence resource management,This letter constitutes my formal request for validation of the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g. Your company have failed to prove this debt belongs to me. I request that you provide me with the following: The amount of the debt: including any breakdown of principal, interest, fees, and other charges. The name of the original creditor: to whom the debt is owed. Proof of the debt: including copies of any contracts, agreements, itemized bill, sale of bill and other documents that establish my legal obligation to pay this debt.The name and address of the original creditor: if different from the current creditor. Please note that this is a request for validation, not verification. I dispute the validity of this debt and am requesting proof that I am indeed the party responsible for this debt and that there is a legally binding obligation for me to pay it. Until you provide me with the requested validation, I will consider this debt to be in dispute. Therefore, all reporting shall be moved immediately .

  Customer Answer

  Date: 09/30/2024

  The attached correspondence does not detail any affiliation with the alleged debt. 

  Business Response

  Date: 10/11/2024

  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: 10/11/2024

  I am rejecting this response because:   The response is not considered a resolution and the business had a reasonable time to conduct their due diligence . As stated any adverse reporting to the credit bureau needs to be removed .

  Business Response

  Date: 10/18/2024

  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.

• Initial Complaint

  Date:09/30/2024

  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 Management. They did not provide me with the original contact which was requested.

  Customer Answer

  Date: 09/30/2024

  I'm sorry but I don't know what to attach. I have always used Metro PCS service. I lost my job in 2022, and couldn't afford Metro PCS anymore so I had a free phone from the government up until I moved to Las Vegas to live with my sister and now my phone is under her plan and she has T-Mobile. I'm not sure what I need to send to you. I've never had Xfinity mobile. I didn't even know the Xfinity/Comcast had mobile service. I'm sorry I just don't know what to provide you because I don't have anything from Xfinity mobile. Please advise?

  Business Response

  Date: 10/09/2024

  Credence Resource Management, LLC (CRM) has received your September 30, 2024 complaint filed with the Better Business Bureau and understands 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. 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:09/29/2024

  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.

  UPON REVEIW OF MY CREDIT REPORT THAT I RECEIVED FROM ALL THREE CREDIT REPORTING AGENCIES I NOTICED THAT A FRAUDULENT ACCOUNT WAS PLACED ON MY CREDIT REPORT THAT I NEVER HAD ANY KNOWLEDGE OF NEITHER DID I GIVE AUTHORIZATION FOR ANY SERVICE TO BE RENDERED ON MY BEHALF BETWEEN ME AND THE COMPANY THAT'S IN QUESTION:CREDENCE RESOURCE MANAGEMENT/AT&T ACCOUNT NUMBER#********* DATE OPENED ******** FRAUDULENT CHARGES $958...I FILED AN IDENTITY THEFT REPORT WITH THE ************************ (***)REGARDING THIS SERIOUS MATTER..THE FTC REPORT NUMBER#*********..I NOTIFIED CREDENCE RESOURCE MANAGEMENT ABOUT THIS FRAUDULENT ACCOUNT THAT THEIR REPORTING TO ALL THREE CREDIT REPORTING AGENCIES BUT TO NO AVAIL BECAUSE CREDENCE RESOURCE MANAGEMENT IS STILL REPOTING DAMAGING AND FRAUDULENT INFORMATION ON MY CREDIT REPORT EVEN AFTER BEING PLACED ON NOTICE THAT THIS ACCOUNT WAS FRAUDULENT AND IN FACT WAS BEING INVESTIGATED BY THE FTC..I WILL LIKE FOR THIS ACCOUNT TO BE THOROUGHLY INVESTIGATED AND PERMANENTLY REMOVE FROM OFF MY CREDIT REPORT.....

  Customer Answer

  Date: 10/01/2024

  Im sending you guys a copy of my *** report regarding this serious matter at hand..I don't have any written messages or any written communication between myself and credence resource management regarding the debt,all our communication was verbal and I only communicated with them twice over the phone and during that time is when I verbally gave credence resource management a cease and desist to stop all communications with me regarding a debt that I was not responsible for because I was in fact a victim of identity theft.....

  Customer Answer

  Date: 10/01/2024

  Im spending you guys additional information and proof of credence resource management reporting negative and fraudulent information on my credit report and their asking for a debt that I'm not responsible for due to the simple fact of me being a victim of identity theft ...I will like for credence resource management to permanently remove this fraudulent account from my credit profile....

  Customer Answer

  Date: 10/02/2024

  Here is a copy of of my credit report showing credence resource management is requesting a debt that I don't owe 

  Business Response

  Date: 10/15/2024

  CRM REFERENCE NUMBER: 258852988;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your September 30, 2024, complaint filed with the Better Business Bureau and understands that you state that upon review of your credit report that you received from all three credit reporting agencies you state that you noticed that a fraudulent account was placed on your credit report that you never had any knowledge of. You state that you never gave authorization for any service to be rendered on your behalf between you and CRM. You state that you notified *** about this fraudulent account reporting to all three credit reporting agencies but to no avail. You state that *** is still reporting damaging and fraudulent information on your credit report even after placing the account on fraudulent notice. You state that you would like your account to be thoroughly investigated and permanently removed from your credit report. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of AT&T Mobility, and is not the original creditor.
  On February 9, 2021, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,018.99.
  On February 10, 2021, 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 March 27, 2021, the account was credit reported to Experian and on March 28, 2021, the account was credit reported to ********** in compliance with Fair Credit Reporting Act (FCRA).
  On May 22, 2024, *** was notified about dispute through *****The account was placed in dispute status. *** updated the tradeline to reflect as disputed.
  On September 30, 2024, *** was notified about fraud through a BBB complaint. The account was placed in fraud status.
  On October 1, 2024, CRM mailed you the fraud packet.
  For fraud related issues you can login to ************************************** 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. *** 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 ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/29/2024

  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 the collection agency to collect.They did not provide me with the original contract I requested.

  Business Response

  Date: 10/10/2024

  CRM REFERENCE NUMBER: 351486757;
  CREDITOR NAME: T-Mobile US, Inc.;
  CREDITOR ACCOUNT NUMBER: 986390116;
  
  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 to collect. You state that CRM 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 CRM is a collection agency working on behalf of T-Mobile US, Inc., and is not the original creditor.
  On July 24, 2024, T-Mobile US, Inc., placed the above referenced account with CRM for collection in the amount of $362.87.
  On July 25, 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 29, 2024, CRM was notified of a dispute through CRA’s. CRM updated the tradeline to reflect as disputed. The account was placed in dispute status.
  On September 30, 2024, CRM was notified about dispute through BBB complaint. The account remained in dispute status. CRM notified the creditor about the same. As per the creditor “ Account start date -  11/07/2022, Account End Date - 10/17/2023, Bill date  -  13, account type is  Individual-Regular as postpaid activated and BRP's name is CHRISTINA RISEN. Usage found till bill date 11/13/2023. Last payment on 10/02/2023 of $98.57. Breakdown of Balance - Current Account Balance - $362.87, Statement Date - 09/13/2023 to 01/13/2024, Charges - service 78.12 , late fee 35 , equipment 249.75, OCA Fee – NA. Debt validation - Service charges are valid for service rendered. Equipment charge is valid for pending equipment due. Late fee is incurred for late payments.”
  

  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:09/29/2024

  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.

  On my credit report, I was alerted that I owe $1,900 to ******* via this company. I DO NOT owe anyone this much money. Especially Xfinity. I already have an Xfinity collection on my report, and the money I owe is not even half the amount being asked. I can prove what I currently owe, that and I still have an account with Xfinity. I do not know where this large some of money is coming from. I have never been alerted by ******* or anyone prior about this balance. I want this removed from my report as this has nothing to do with me.

  Customer Answer

  Date: 10/15/2024

  This is to update this dispute. After chatting with customer service. They have verified that I DO NOT owe over double of what I already owe. I attached a screenshot to show the actual balance. Hoping this will be enough to show that I did reach out, and that the account should be removed off my report for being very inaccurate. 

  Customer Answer

  Date: 10/15/2024

  This is to update this dispute. After chatting with customer service. They have verified that I DO NOT owe over double of what I already owe. I attached a screenshot to show the actual balance. Hoping this will be enough to show that I did reach out, and that the account should be removed off my report for being very inaccurate. 

  Business Response

  Date: 10/28/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: ***************
  CREDITOR ACCOUNT NUMBER: **********;
  
  **********************, LLC (CRM) has received your September 30, 2024, complaint filed with the Better Business Bureau and understands that you state that you received an alert on your credit report that you owe $1900 to Xfinity via CRM. You state that you do not owe this much money to Xfinity. You state that you can prove what you currently owe as you still have an account with Xfinity. You state that you have never been alerted by Xfinity or anyone prior about this balance.Based upon our research CRMs findings are as follows:
  *** is a collection agency working on behalf of **************, and is not the original creditor.
  On June 26, 2024,Xfinity Mobile, placed the above referenced account with CRM for collection in the amount of $1900.86.
  On June 27, 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 ********** and to Experian in compliance with the Fair Credit Reporting Act (FCRA).
  On September 26, 2024, CRM was notified about fraud through the ****. The account was placed in a restricted status.
  On September 27, 2024, *** was notified about dispute through the ****. The account was placed in a restricted status. The dispute was investigated and was responded through the ****.  
  On September 30, 2024, *** was notified about dispute through BBB complaint. The account remained in a restricted status. *** notified the same to the creditor. As per the creditor Customer Name: ****** ****** Debt Amount: ******* Account investigation has determined the charges on this account are valid, Collections will continue. Pay means has been updated to cash. ***** involved with this case. *************** BYOD iPhone 14 Pro *************** Apple Watch Ultra *************** ***************.
  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 the creditor directly for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT*
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/28/2024

  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.

  As of sept 28th 2024 credence Reported to the credit bureau during a dispute which was initiated 8/23/2024. The letter gives a date of 10/5/2024 to resolve the account.

  Business Response

  Date: 10/11/2024

  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.

• Initial Complaint

  Date:09/28/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 11 AT T, I do not have a contract with CREDENCE RM, they did not provide me with the original contract as i requested

  Business Response

  Date: 10/11/2024

  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.

• Initial Complaint

  Date:09/28/2024

  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 Management, they did not provide me with the original as i requested.

  Business Response

  Date: 10/10/2024

  CRM REFERENCE NUMBER: 351014949;
  CREDITOR NAME: T-Mobile US, Inc.;
  CREDITOR ACCOUNT NUMBER: 966861914;
  
  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 you 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 T-Mobile US, Inc., and is not the original creditor.
  On April 9, 2024, T-Mobile US, Inc., placed the above referenced account with CRM for collection in the amount of $486.79.
  On April 10, 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 May 25, 2024, the account was credit reported to Transunion and Experian in compliance with Fair Credit Reporting Act (FCRA).
  On September 28, 2024, CRM was notified about dispute through CRA’s. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  On September 30, 2024, CRM was notified about dispute through BBB complaint. The account was placed in dispute status. CRM notified the creditor about the same. As per the creditor “Account start date -6/8/2019, Account End Date -11/24/2021. Ban was settled in full with ER Solutions for $2463.7 on 8/25/2022 prior to being placed with current agency. Current Agency has been advised to close the file and delete any credit reporting that may have occurred.  The balance will remain on the account for accounting purposes only.  Customer is free to pursue new service.”
  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 CRM at 855-880-4791 for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• 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.