Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

XXXX : XXXX, XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX, TX XXXX Date : XX/XX/XXXX Credence Resource Management XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TX XXXX Re : Credence Reference : XXXX Current Creditor : Credence Resource Management Original Creditor : XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern : This letter is regarding a collection notice that I received from Credence Resource Management stating that I owe your company {$260.00}. This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my wet signature, showing that I have ( or ever had ) some contractual obligation to pay Credence Resource Management. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to Credence Resource Management XXXX is in violation of the FCRA & FDCPA. I do not know who Credence Resource Management is. I have never contracted with Credence Resource Management. I have never granted anyone authority to administer my property ( my name, address, phone number, social security number, etc. ) without my consent or rights. I will also let you know that I have exclusive copy rights to my name. No one can use my name but me so that is a crime that Credence Resource Management have committed within themselves. 


So, Credence Resource Management has committed forgery and fraud against me! 
Credence Resource Management purchased this account and then perpetuated Identity theft and fraud against my name. It appears that there was a contract that was made between two parties that did not include me, the alleged debtor. 
XXXX XXXX XXXX and Credence Resource Management took it upon themselves to create a new contract that did not include the party you all are accusing the debt to belong to. Where is the certificate of novation? Then once the new contract was made between XXXX XXXX XXXX and Credence Resource Management, Credence Resource Management turns around and illegally alleges that I owe them money. 

I was never provided with an offer from Credence Resource Management. I never accepted anything from Credence Resource Management. I was never provided with full disclosure from Credence Resource Management. I was never provided Equal Consideration in this new contract between XXXX XXXX XXXX and Credence Resource Management. I was never provided Lawful Terms and Conditions in this new contract. There are no Wet signatures of both parties on this new contract meaning my wet signature and a wet signature from a person representing Credence Resource Management. Those are items that are needed to create a lawfully binding contract. So, tell me when did I contract with Credence Resource Management? What property or collateral did Credence Resource Management provide to me that causes me now to owe a debt to them? ABSOLUTELY NONE!!!! 

That is extortion and a criminal act. Demanding money that Credence Resource Management did not even put out themselves towards a random person is a criminal act. This is a gross misrepresentation of common law fraud, and securities fraud. 

Credence Resource Management does not have any right to determine what I owe. I am not Credence Resource Property, nor do I have any property that belongs to Credence Resource Management. I have no contract with Credence Resource Management. The fact that they you are contacting me claiming that I owe a debt constitutes harassment. I am sure XXXX XXXX XXXX has gotten a kickback from the I.R.S. regarding this account. What I am considering is that if this claim, threat, XXXX offense, is not removed against my copyright name, I will report both Credence Resource Management as well as XXXX XXXX XXXX to the I.R.S. using the 3949-A form for tax law violations. Being that the United States has been up under a bankruptcy since XXXX and there is no money, all the consumers debts are to be discharged to the United States. So if I truly owed Credence Resource Management this debt, what would you want me to pay you with? I dont commit fraudulent acts! 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. 
Failure to respond within 30 days of receipt with ALL, NOT SOME, ALL of the requested information will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 
Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
CREDITOR/DEBT COLLECTOR DECLARATION : Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor and if not paid that I then had to pay Credence Resource Management.

3. Any insurance claims or 1099C that have been made by any creditor regarding this account.

4. Name and address of alleged creditor.

5. Name on file of alleged debtor.

6. Alleged account number.

7. Amount of alleged debt.

8. Date this alleged debt became payable.

9. Date of original charge off, write off or delinquency.

10. Verification that this debt was assigned or sold to Credence Resource Management.

11. Complete accounting of alleged debt on both the public and private side.

12. Commissions for debt collector of collection efforts that is successful.

Please provide the name and address of the bonding agent for Credence Resource Management in case legal action becomes necessary.

Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Please allow 30 days for processing after I receive all the requested information back from Credence Resource Management.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX  : XXXX, XXXX All Rights Reserved Without Prejudice UCC1-308 Cc : Consumer Financial Protection Bureau XXXX XXXX Texas Attorney Generals Office Cc : XXXX XXXX XXXX