Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credence Resource Management, LLC (OK)

I am writing to inform you that there is 100 % improper use of the credit report by agencies listed who purchased a sold account with improper actions.looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT INCLUDING ACCOUNTS THAT I NEVER were given WRITTEN or verbal PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 
Attached to the XX/XX/XXXX, XXXX XXXX sold my account XX/XX/XXXX to XXXX XXXX in which I had contacted and supplied same information to XXXX debt collector factual information that XXXX XXXX has and received the payment and equipment mentioned to the XXXX XXXX oklahoma location XXXX XXXX XXXX  XXXX. When the information was provided, I provided substantial proof and evidence in then it was removed from my credit. 
During XXXX I applied for a home and needed to clean my credit in which credence resource management was not on there nor was cox communication as I had worked with XXXX XXXX during XX/XX/XXXX which they ensured the cox communication was removed under which it was sold to XXXX XXXX. I then knew at that time my credit had addresses and information that appeared to be identity compromised so I filed identity theft with each bureau and locked my credit until I was ready to purchase and could secure what was accurate on my account. I then finally cleared my credit from all three bureaus as I opened membership accounts in order to ensure I could file disputes if required, comprehensive view of my accounts and ensure transparency and accuracy. Unfortunately my credit was compromised and information was violated and shared without accuracy and also this debt was sold after removal to a company that forcibly refused and denied after evidentiary information was provided. After threats from the 2nd company it was sold to Credence Resource management to pay amounts already settled and removed, the threats became real when the old debt reappeared to my account. So after the harassing and false information I paid under duress to prevent my credit being hurt. The creditor said they would delete it but never did but also just made me pay for something that wasnt valid. 
This was never on my credit from XXXX until XXXX as it was removed and deleted. 

Creditors that should and I warrant full review on payments and lack of removal of collection accounts when in fact it falls in accordance to FRCA. 
Credence Resource management ( sold to for XXXX ) XXXX XXXX ( 1st owner of debt ) XXXX XXXX original creditor, paid prior to selling to debt collector -XXXX  in which I was confirmed it would be removed and deleted from my account but actually they kept it and extended my length on my credit along with posting date as if I made payment recent in past 3 years which is false and outright in appearance and fraudulent activity. I exhausted to settle this but the company continues to update and keep it on my credit. I require it is deleted as it is falsely added without permissive standard according to the rules and statute of FRCA. I have contacted counsel and was informed in fact I have permission to file suit against creditors if I proceed in the appropriate manner in which I have. This is my FINAL ATTEMPT prior to releasing information formally in a court order to a judge.