Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IN)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX TOTAL AMOUNT {$610.00} CREDENCE RESOURCE MANAGEMENT LLC  ACCOUNT NUMBER XXXX TOTAL AMOUNT {$610.00} DATE OPENED XX/XX/XXXX - CLOSED XX/XX/XXXX AMOUNT BEING REPORTED TO COLLECTIONS PER REPORTS {$610.00} Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you XXXX XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANAGEMENTXXXX XXXX, written, unwritten, verbal, and non-verbal per 15 U.S. Code 6802. XXXX XXXX XXXX XXXX, CREDENCE RESOURCE MANAGEMENT have violated my rights and after contacting this company about a strange and unauthorized collection account on my consumer credit report. Especially since the strange account was originally created at XXXX XXXX XXXX XXXX I believed I would be able to gain awareness about this matter. Contacting XXXX XXXX XXXX XXXX customer service line gained me no ground. I was directed to the XXXX XXXX XXXX XXXX XXXX XXXX line twice! An in short, if they were successful in helping me solve this matter, I wouldn't creating this complaint. I asked for details about the account on each call. I get nowhere but everyone seems to have enough of my non-public personal information to commit and be a party to fraud in my name though. I am given advice to contact the illegitimate collection company by the NAME of CREDENCE RESOURCE MANAGEMENT whom are labelled as an Attorney entity on my consumer credit report! Are they really though? Wow, I'm starting to think I may need to get the attorney clock going. 

When I contacted Credence Resource Management some few days later, I spoke with XXXX XXXX with their Concern Team. I was not able to do so right away because I am a XXXX veteran with some certain conditions. Through XXXX XXXX I was able to attain more than the amount {$610.00} and my name on the account. XXXX XXXX with great service made me aware that this XXXX XXXX XXXX  account was a CELL PHONE service, the XXXX XXXX XXXX account number XXXX, the account 's date of opening XXXX of XX/XX/XXXX, the account closing date XXXX of XX/XX/XXXX, the Credence Resource Management account number XXXX. While we were on the phone I was made aware that my call of inquiry was a possibly legal attempt to collect on the debt. I let XXXX XXXX know that this account was strange and foreign to me and XXXX XXXX XXXX did not give much help to me inquiring on the strange and unauthorized account. I doubled back to XXXX XXXX XXXX, give them the information and they said it was sent to the fraud department. I have received no relief nor remedy! This account is still in collection status currently on all of my consumer credit reports. I demand that what is done is what to be done and I be made whole. Civil liability and Enforcement to the fullest including monetary relief, and the best route to heal my reports in a way that I properly gain in credit confidence and score. I am also exercising my right to Opt-out of all authorizations I have given XXXX during any and all periods. 

These willfully negligent, deceptive, and abusive practices on behalf of XXXX XXXX XXXX XXXX, CREDENCE RESOURCE MANAGEMENT, XXXX, XXXX, XXXX consumer reporting agencies must be stopped. To keep in a accessible manner for my records, I print my consumer credit reports. On the XXXX of XX/XX/XXXX I acquired my XXXX, XXXX, AND XXXX reports through XXXX. Concerning the collection account there was only one credit reporting agency reporting the CREDENCE RESOURFCE MANAGEMENT account XXXX, that was the XXXX credit reporting agency. The other XXXX companies are reporting no collections at all! That is an error! I have the proof. The next time I acquire my consumer credit report on the XXXX of XX/XX/XXXX, all three credit reporting agencies are now reporting a collection that does not belong to me, this is not the ordinary course of business, I have not received any disclosures, there was no equal consideration, I did not initiate this consumer credit transaction, XXXX XXXX XXXX XXXX has yet to respond with care to their duties and responsibilities nor the laws that regulate its business! Its fraud! I expect the Federal Trade Commission and the CFPB to perform to its fullest authority! My expectations are that all of my complaint is read responsibly, that the companies be held liable for their abhorrent violations, undermining, alienation, and serious harm of my named estate, my state consumer rights, federal protected consumer rights, and for involving me in bad business practices! Must I pursue Action in this matter, per se or by Attorney-at-Law and in the correct jurisdiction respectively, I will as I am Living. How can Justice and its Law not be in my favor, I have my hands clean and in Good Faith I can express that I did not authorize the account with the original creditor. Civil Action and Enforcement is due! I do expect monetary and non-monetary relief for the serious harm that has been done. Thank you for your diligence. 
As the law describes in Title XXXX, Chapter XXXX of United States Code, XXXX XXXX XXXX, Credence Resource Management are in violation of the following law when my nonpublic personal information was shared infringing upon my rights as a protected consumer. 15 U.S. Code 6801- Protection of nonpublic personal information The violating party ( s ) is not in accordance with any and all laws regulating disclosures in these protected consumer/investor events. These actions have caused serious harm in the midst of my financial reeducation and addressing the negatives of my consumer credit report. I believe my experience is indistinguishable from identity theft and negligence of the XXXX consumer reporting agencies. Due to my current credit status being XXXX  by the harmful violations of XXXX XXXX XXXX, XXXX, XXXX, and XXXX, I have not been able to enjoy my rights to do business nor enjoy products or service acquired by my credits held in trust, by way of applying with my social security card. I am suppose to sign a lease this coming week and I had to apply for a credit card beforehand but my credit report is not right! If I were given due notice of an account being created from my likeness and with my nonpublic personal information. There may have been adequate enough time to put a halt to these fraudulent activities by allowing me to opt-out. That opportunity was never given to my detriment, causing serious harm and offensive lingering obstacles. There must be a remedy for these violations and the regulators do need to perform their duties! 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 6803 - Disclosure of institution privacy policy, 15 U.S. Code 1631 - Disclosure requirements, 15 U.S. Code 6805 - Enforcement How did Credence Resource Management come into possession of my public and nonpublic personal information and create a collection account with XXXX, XXXX, and XXXX to collect? Is this not made way by false pretenses! Violation! 
15 U.S. Code 6821 - Privacy protection for customer information of financial institutions, 15 U.S. Code 6822 - Administrative enforcement, 15 U.S. Code 6823 - Criminal penalty ( a ) In general Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. 
Where are my disclosures? Oh, that's right! There are no disclosures for an account opened under false pretenses, then sold to third party collection corporations posing as legal/attorney entities! 
15 U.S. Code 1667a - Consumer lease disclosures Each lessor shall give a lessee prior to the consummation of the lease a dated written statement on which the lessor and lessee are identified setting out accurately and in a clear and conspicuous manner the following information with respect to that lease, as applicable : 15 U.S. Code 1667d - Civil liability of lessors, 15 U.S. Code 1637 - Open end consumer credit plans, 15 U.S. Code 1635 - Right of rescission as to certain transactions : ( a ) Disclosure of obligors right to rescind, 15 U.S. Code 1640 - Civil liability, 15 U.S. Code 1681- Congressional findings and statement of purpose, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681g - Disclosures to consumers, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance, 15 U.S. Code 1681q - Obtaining information under false pretenses, 15 U.S. Code 1681s - Administrative enforcement ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 
( B ) Determining penalty amount In determining the amount of a civil penalty under subparagraph ( A ), the court shall take into account the degree of culpability, any history of such prior conduct, ability to pay, effect on ability to continue to do business, and such other matters as justice may require. 
( c ) State action for violations ( 1 ) Authority of States ( A ) ( B ) ( i ), ( ii ), ( iii ) damages of not more than {$1000.00} for each willful or negligent violation ; and ( C ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt... 
15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt... 
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. 
15 U.S. Code 1692k - Civil liability 15 U.S. Code 1692l - Administrative enforcement