Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (VA)

This complaint is being lodged against Credence Resource Management for unfair debt collection practices and violations of the Fair Debt Collection and Fair Credit Reporting Act. After multiple attempts to work with the creditor to verify with original contractual documentation containing a signature from me to validate that this debt belongs to me, I have received nothing other than an itemization of charges. Despite my continued and specific requests to Credence for such information as is required under the law I have not been provided any relevant information ; however, the creditor continues to " verify '' the information as accurate and report the unverified information on my credit report. 

In XX/XX/XXXX I received a notification that a new item was added to my credit report for Credence Resource Management for a debt in the amount of {$870.00}. I checked my report and it was listed as a collection account with the original creditor being a XXXX XXXX XXXX XXXX. I have never had any dealings with Credence Resource Management or any XXXX XXXX or affiliates. 

As I was not notified in any form of communication that this debt was outstanding prior to the information being added to my credit profile to allow me to dispute the information, I immediately identified their contact information as listed on my credit report and sent them a letter requesting validation of the debt they were pursuing in addition to how it was calculated, copies of the original contract with my signature and their licensing information as a debt collector in my state. 

In XX/XX/XXXX I received a response from Credence Resource Management with an account notification letter and an account summary that consisted of itemized statements and nothing else. I was NOT provided with any original documentation with my signature to show that I owed the debt or contractual proof that it was in fact me or an authorized representative that entered into any agreement or contract with Credence or said XXXX XXXX XXXX Additionally, I was not provided with any documentation that Credence was licensed to collect in my state or their license number as requested to ensure they were even licensed to collect such a debt. 

In XX/XX/XXXX I again sent a follow-up letter to Credence Resource Management to notify them that they did not satisfy my request for validation of the debt and that an itemized statement does not demonstrate the assignment of this debt to me. I have had several cases of mistaken bills being assigned to me without my knowledge or consent and I again reiterated to the company that I did not enter into such a debt and that they were erroneously reporting this unverifiable debt to me and requested its removal. I demanded that the items either be properly and lawfully validated or removed immediately. Again, the response from Credence Resource Management with an account summary that consisted of itemized statement or bill and nothing else. 

In late XXXX after not receiving satisfactory documentation to validate the debt I filed a formal dispute with the credit bureaus. The credit bureau states that they request the reporting company to verify the accuracy of the information that is being disputed. In XX/XX/XXXX, Credence Resource Management " verified '' the information as accurate to the credit bureaus after at least 2 communications with me whereas I vehemently protested to the validity of the information and expressed that the debt did in fact NOT belong to me and not being provided with any legal documents that would validate the debt and demonstrate that it belonged to me whatsoever. Additionally, their response indicated that my dispute was not specific, however my dispute and letters were very specific in my request for documentation, validation and information to prove that this debt was in fact mine. 

I have attempted amicably to resolve this situation with the debt collector to restore my good name and credit from this tarnish upon my record. I attest that I do not nor have I ever had any account or dealings with Credence Resource Management, any subsidiaries or any XXXX XXXX XXXX XXXX My rights under that law are clear that I am entitled to receive an original agreement, contract or agreement with my signature as evidence to show that it was in fact me that agreed to the debt that has been assigned to me. And if the aforesaid, Credence Resource Management, is not able to provide anything other than an itemized statement I demand that my rights be upheld and this erroneous record be immediately removed from my credit record, all credit reporting agencies and not reinstated at any time in the future. 


ENCLOSED : My letters to Credence Resource Management from XXXX and XXXX, the letters I received from Credence in XXXX and XXXX, the results of my dispute of this item on my credit report