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:09/11/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with CREDENCE RESOURCE MANAGEMENT I do have a contract with the collection agency they did not provide me with the original contract as requested

  Business Response

  Date: 09/24/2024

  CRM REFERENCE NUMBER: 258993015;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your September 11, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have a contract with ***. You state that *** 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 AT&T Mobility, and is not the original creditor.
  On February 16, 2021, AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $1,308.82.
  On February 13, 2023, 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 April 1, 2023, the account was credit reported to Experian and on April 2, 2023, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On August 1, 2024, CRM was notified about dispute through *****The account was placed in dispute status.
  On August 4, 2024, *** was notified about dispute through *****The account remained in dispute status.
  On September 11, 2024, *** was notified about dispute through BBB complaint and ****. The account was placed in dispute status. CRM updated the tradeline to reflect as disputed.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation and contract copy obtained from the original creditor.

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

  Customer Answer

  Date: 09/25/2024

  At these dates I was incarcerated by the federal government from 2018 ***** I could not possibly open account with at&t 

  Business Response

  Date: 11/07/2024

  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 on these dates you were incarcerated by the federal government from 2018 *****. You state that you could not possibly open account with AT&T. Based upon our research CRMs findings are as follows:
  
  On October 29, 2024, *** was notified about fraud through BBB complaint. CRM placed the account on a 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.
  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 CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
  

• Initial Complaint

  Date:09/10/2024

  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 didnt provide me with the original contract as I requested.

  Customer Answer

  Date: 09/11/2024

   I requested specifically we alleged original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it cannot be supported by any evidence or proof.
  
  

  Business Response

  Date: 09/27/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME:AT&T UVERSE;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your September 11, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have a contract with ***. You state that *** 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&********, *** is not the original creditor.
  On January 4, 2024,AT&T Uverse, placed the above referenced account with CRM for collection in the amount of $1377.49.
  On January 5, 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 as undelivered and no record of the debt being disputed or a validation being requested during the 30-day period.
  On February 24, 2024,the account was credit reported to Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  On September 11, 2024,CRM was notified about dispute through BBB complaint. The account was placed on restricted status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same. As per the creditor Customer was last current Dec 2020, No payment Jan 2021, Partial payments Feb-May 2021. No payment Jun 2021, Partial payment Jul-Nov 2021, No payments Dec 2021-May 2022.Charges on the account are for U-VERSE tv, **************** and NRF. *** shows no equipment return. Service cancel on 02/22/2022. Balance sustained.
  CRM placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/10/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

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

  Business Response

  Date: 09/24/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: AT&T Mobility;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your September 10, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with AT&T. You state that you do not have a contract with CRM. You state that *** did not provide you with the original contract. Based upon our research CRMs findings are as follows:
  
  CRM is a collection agency working on behalf of AT&T Mobility, CRM is not the original creditor.
  On March 23, 2024 AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $237.33.
  
  On March 26, 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 as undelivered and no record of the debt being disputed or a validation being requested 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 September 10, 2024, CRM was notified about dispute through BBB complaint. The account was placed in a restricted status.CRM notified the same to the creditor.
  
  On September 19, 2024 the creditor recalled the account. *** closed the account and returned it to the creditor.
  
  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.

• Initial Complaint

  Date:09/09/2024

  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.

  Constant phone calls from "Credence." I have no debts whatsoever. They keep calling my landline using different phone numbers all under the heading "Credence." They leave no message on my answering machine and I have never received ANY documents in the mail from them. This all began with other phishing scams several months ago.

  Business Response

  Date: 09/25/2024

  Credence Resource Management, LLC (CRM) has received your September 9, 2024, complaint filed with the Better Business Bureau and understands that you state that you received constant phone calls from ***. You state that you have no debts whatsoever. You state that CRM keep calling your landline using different phone numbers all under the heading CRM. You state that CRM leave no message on your answering machine and you state that you have never received any documents in the mail from ***. Based upon our research, CRMs findings are as follows:
  *** is a debt collection agency that has been hired to collect on a past due debt. Telephone number ************ was listed on the responsible consumer. You have advised that this number belongs to you. You are not the responsible consumer for the account. Calls were placed to ************ in accordance with federal and state regulations. CRM has removed your telephone number from the account and will not place any further calls to you regarding this account.
  
  *CRM *********************
  **This communication is from a debt collector.

• Initial Complaint

  Date:09/09/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm 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 original contract as requested. They are not the original creditor as falsified on report.

  Business Response

  Date: 09/25/2024

  CRM REFERENCE NUMBER: 262335694;
  CREDITOR NAME: *** Communications, Inc;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your September 9, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have a contract with ***. You state that *** did not provide you the original contract as requested. You state that CRM is not the original creditor as falsified on 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 *** *******************, and is not the original creditor.
  
  On September 5, 2021, *** Communications, **** placed the above referenced account with CRM for collection in the amount of $956.52.
  
  On October 19, 2021, 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 March 26, 2022, the account was credit reported to Experian and on March 27, 2022, the account was credit reported to ********** in compliance with the Fair Credit Reporting Act (FCRA).On October 31, 2022, the account was credit reported to ********** in compliance with the Fair Credit Reporting Act (FCRA).
  
  CRM was notified about fraud and dispute through multiple ****. The account was placed in restricted status respectively. *** updated the tradeline to reflect as disputed.
  
  On January 24, 2023 and on September 6, 2023, CRM mailed you the fraud packet.
  
  On September 9, 2024, CRM was notified about dispute through BBB complaint. The account was placed on restricted status.
  
  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 placed a request with the creditor, upon receipt CRM will mail you the copy of validation obtained from the original creditor.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/07/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Credence Resource Management. I do not have a contract with this collection agency. They have not provided me with an original contract of the debt that theyre claiming I owe.

  Customer Answer

  Date: 09/11/2024

  I do not have any emails or any other correspondence from Credence Management. I am attaching the screenshots showing their information on my credit report via Credit Karma.

  Business Response

  Date: 09/24/2024

  CRM REFERENCE NUMBER: 271696668;
  CREDITOR NAME: *** ********************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your September 9, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have a contract with ***. You state that *** did not provide you with an original contract of the debt that *** is claiming that you owe. Based upon our research CRMs findings are as follows:
  CRM has reviewed your correspondence and would like to appraise you that *** is a collection agency working on behalf of *** ********************, and is not the original creditor.
  On June 16, 2023, *** Communications, ***** placed the above referenced account with CRM for collection in the amount of $558.59.
  On June 16, 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 August 5, 2023, the account was credit reported to Equifax & Experian and on August 6, 2023, the account was credit reported to Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On September 8, 2024, *** was notified about dispute through ****. The account was placed in a dispute status. *** updated the tradeline to reflect as disputed.
  On September 9, 2024, *** was notified about dispute through BBB complaint. The account remained in dispute status.
  Enclosed is the copy of validation obtained from the original creditor.
  You may contact CRM at ************ for any further questions
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/06/2024

  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 with Business Headquarters Location or CREDENCE RESOURCE MANAGE, they did not provide me with the original contract as I requested

  Customer Answer

  Date: 09/10/2024

  I have not received any type of communication, notification, contract, letter or any form of correspondence from this company. I do not have a contract with with Business Headquarters Location or CREDENCE RESOURCE MANAGE, they did not provide me any form of communication or contract

  Business Response

  Date: 09/25/2024

  CRM REFERENCE NUMBER: *********;
  CREDITOR NAME: *****************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your September ******, 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 the business headquarters or ***. 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 March 23, 2024, *****************, placed the above referenced account with CRM for collection in the amount of $239.83.
  
  On March 26, 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 as undelivered and no record of you disputing the debt or requesting validation during the 30-day period.
  
  On May 11, 2024, the account was credit reported to Experian and Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  
  On May 23, 2024, *** was notified about a dispute through the Credit reporting agencies. The account was placed on restricted status. *** updated the tradeline to reflect as disputed. *** completed the disputed investigation and on June 7, 2024, *** responded to the dispute through the Credit reporting agencies.
  
  On July 19, 2024, and on August 23, 2024, *** was notified about a dispute through the Credit reporting agencies, *** updated the tradeline to reflect as disputed. The account remained on restricted status. *** completed the dispute investigation and on August 2, 2024, and on September ****** *** responded to the dispute through the Credit reporting agencies respectively.
  
  On September 9, 2024, was notified of your dispute through a BBB complaint. The account was placed on a restricted status.
  
  On September 16, 2024, *** was notified about a dispute through the Credit reporting agencies. The account remains on dispute status. The dispute will be responded to through the Credit reporting agencies.
  CRM reviewed the client system and as per the client system the balance on the account is valid, Itemized statement for this account will be mailed out.
  
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with ***. I do not have a contract with credence resource management. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 09/10/2024

  view attachment

  Business Response

  Date: 09/26/2024

  CRM REFERENCE NUMBER: 274216230;
  CREDITOR NAME: AT&T MOBILITY;
  CREDITOR ACCOUNT NUMBER: ************;
  
  **********************, LLC (CRM) has received your September 6, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with AT&T. You state that you do not have a contract with CRM. You state that *** did not provide you with the original contract as requested. Based upon our research CRMs findings are as follows:
  
  *** is a collection agency working on behalf of *****************, *** is not the original creditor.
  On November 18, 2023,AT&T Mobility, placed the above referenced account with CRM for collection in the amount of $2,783.95.
  
  On January 8, 2024,CRM mailed you the validation notice advising you of your right to dispute or request validation of the debt within 30 days.
  
  On February 17, 2024,the account was credit reported to Experian and to Transunion in compliance with the Fair Credit Reporting Act (FCRA).
  
  On September 6, 2024,*** was notified about dispute through BBB and through the ****. The account was placed on restricted status. *** updated the tradeline to reflect as disputed. *** notified the creditor about the same and is awaiting a response.
  
  On September 19, 2024, CRM mailed you the copy of validation and the contract copy obtained from the original creditor. The account currently remains on restricted status.
  You may contact CRM at ************ for any further questions.
  
  *CRM COMPLIANCE DEPARTMENT
  **THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/06/2024

  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 them, and did not provide me with the original contract when requested.

  Customer Answer

  Date: 09/08/2024

  RE: complaint ID ********

  I received a request for the original communication from "the business about the debt".  Please see the attached scanned image of the original mailed letter I received from Credence Resource Management.

  Thank you,

  **** ******

  Business Response

  Date: 09/26/2024

  CRM REFERENCE NUMBER: 275749814;
  CREDITOR NAME: *** ********************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your September 6, 2024, complaint filed with the Better Business Bureau and understands that you state that you are not liable for this debt with CRM. You state that you do not have a contract with ***. You state that *** did not provide you with the original contract when 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 March 16, 2024, *** ********************, placed the above referenced account with CRM for collection in the amount of $307.89.
  On April 19, 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 Equifax,Experian and Transunion in compliance with Fair Credit Reporting Act (FCRA).
  On September 6, 2024, CRM was notified about dispute through BBB complaint and ****. The account was placed in a dispute status.
  
  *** requested its entry be removed from *******, ******** 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 obtained from the original creditor.
  You may contact CRM at ************ for any further questions
  
  *CRM COMPLIANCE DEPARTMENT *
  *THIS COMMUNICATION IS FROM A DEBT COLLECTOR.

• Initial Complaint

  Date:09/05/2024

  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 had an account with *** Communications for $74 that I was not aware of. The first I heard of owing the $74 was when the collection account was ***orted to my credit. I called Credence the *** told me I could do a pay for delete. I paid the account and it was deleted from 2 ***orts. Now they are not deleting it from *******. I would have disputed the account but a pay for delete was easier. This collection is impacting me purchasing a home. Now I'm being told some thing new. I am not liable for this debt with ***. I do not have a contract with Credence. I just want them to honor what they told me.

  Business Response

  Date: 09/26/2024

  CRM REFERENCE NUMBER: 273668256;
  CREDITOR NAME: *** ********************;
  CREDITOR ACCOUNT NUMBER: *********;
  
  **********************, LLC (CRM) has received your September 6, 2024, complaint filed with the Better Business Bureau and understands that you state that you had an account with *** Communications for $74 which you state that you were not aware of. You state that you heard about this $74 was when the collection account was reported to your credit. You state that you contacted ***. You stated that the *** representative informed you that you can do a pay for delete. You state that you paid the account. You state that the tradeline was deleted from 2 reports. You state that *** is not deleting the tradeline from *******. You state that you would have disputed the account but you found that a pay for delete was easier. You state that this collection is impacting you purchasing a home. You state that you are not liable for this debt with ***. You state that you do not have a contract with ***. 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 October 18, 2023, *** Communications, ***** placed the above referenced account with CRM for collection in the amount of $72.78.
  On October 18, 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 December 3, 2023, the account was credit reported to Transunion,on December 9, 2023, the account was credit reported to Experian and Transunion and on December 10, 2023, the account was credit reported to Equifax in compliance with Fair Credit Reporting Act (FCRA).
  As per the records, on February 12, 2024, you contacted *** upon which you agreed to make a payment. You paid $72.78 to CRM.
  On February 14, 2024, the creditor recalled the account.*** closed the account and returned it to the original creditor.
  On July 2, 2024, CRM was notified about dispute through *****
  On July 29, 2024, *** was notified about dispute through ****.
  As per records, on August 7, 2024, *** received a call from you upon which *** was notified of dispute. On the same day, *** was notified about dispute through *****
  On August 17 2024 and on August 23, 2024, *** was notified about dispute through *****
  On September 3, 2024, CRM was notified about dispute through *****
  As per records, on September 5, 2024, CRM received a call from you upon which CRM was notified of you receiving a message stating account deletion from credit report. The representative informed that *** does not delete the trade line so CRM does not send such message. You asked the representative for deletion on your credit report. The representative informed that *** does not delete the tradeline however update the tradeline. On the same day, *** was notified of dispute through *****
  On September 9, 2024, *** was notified about dispute through BBB complaint.
  Enclosed is the copy of validation obtained from the original creditor.

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