Consumer complaint received 2023-09-05
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, Beneficiary All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Date : XX/XX/XXXX Credence Resource Management XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Re : Your File No : Never received any type of communication or correspondence from this company Current Creditor : Credence Resource Management Original Creditor : XXXX Account Number : Unknown Fraud Account To Whom It May Concern : This letter is regarding Credence Resource Management and Im unable to provide a reference number due to the fact that this company never sent me anything in the mail or any form of communication but took direct Adverse Action against my consumer report which is a violation of the law!!! 
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 fraudulent account with a name of XXXX XXXX, illegally placed this account on my consumer reports claiming that I now owe money to them. Then there was a contract that was made between two parties that did not include me, the alleged debtor. 
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 and Credence Resource Management XXXX Credence Resource Management turns around and illegally slapped it upon my copyright name. 

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 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 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. 

If this were my debt, which it is not, Credence Resource Management would 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 or XXXX. The fact that they are illegally on my consumer reports constitutes harassment. I am sure XXXX has gotten a kickback from the I.R.S. regarding this fraudulent account. What I am considering is that if this fraudulent claim, threat, RICO offense, is not removed against my copyright name, I will report both Credence Resource Management as well as 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 this was my debt what would you want me to pay you with? I dont commit fraudulent acts!

With all that being said, I received an alert from my consumer reports alert systems today XX/XX/XXXX which you claim I owe your company {$480.00}. 
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 NOTE : I ALSO HAVE 2 POLICE REPORTS ON FILE WITH ALL 3 CONSUMER REPORTING AGENCIES SHOWNG MY IDENTITY WAS STOLEN BOTH IN XXXX AND IN XXXX WHEN MY PURSE WAS STOLEN. SO WHAT YOU ARE DOING AND ACCUSING ME OF IS FRAUDULENT!!! I HAVE ALL MY DUCKS IN A ROW AND IM FULLY PREPARED TO FIGHT THIS HEAD ON AND THEN SUE YOUR COMPANY AFTERWARDS.

Please be aware that Credence Resource Management has FRAUDULENTLY placed negative marks on my consumer reports ( XXXX, XXXX, and XXXX ) which is a direct violation of 15 U.S. Code 6801 regarding this debt that I dont owe to your company. This also a clear violation of the FCRA & FDCPA.

Pending the outcome of my investigation, of any evidence that you submit, you are instructed to REMOVE this fraudulent account from my consumer reports.

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.

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 of 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 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, XXXX All Rights Reserved Without Prejudice XXXX Cc : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX