Stop Credence Resource Management Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Is Credence Resource Management calling you constantly?

Stop Credence Resource Management
Credence Resource Management LLC or CRM is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Credence Resource Management?

Credence Resource Management or CRM is a debt collection agency with offices in Dallas, Texas; San Jose, California; Bellevue, Washington; Pune, India; and Mumbai, India. Credence describes its services as being situated on the “right coast,” which means that they use both workers located both within and beyond the U.S. to accumulate debt.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Credence Resource Management a scam?

They’re legit. According to the Better Business Bureau (BBB), Credence Resource Management LLC was founded in 2013 and incorporated in NV the same year. The BBB established a profile page for CRM in 2015, and CRM has been a BBB-accredited business since 2017. The BBB lists Credence Resource Management as a collection agency. Buzzfile estimates Credence Resource Management’s annual revenue at $4.4 million and the size of its headquarters staff at 30 employees

Who does Credence Resource Management collect for?

Credence Resource Management conducts collection activities for healthcare, phone, utilities, and credit card companies. CRM utilizes automatic dialing, frequently called “robocalls,” skip-tracing, letters, and other conventional debt collection strategies. This company also buys consumer information and scrubs it to find best phone numbers and addresses, to ascertain if a customer’s phone number is a mobile phone, and to find any and all insurance coverage that a customer might need for collection of health care debt.

If you’ve suffered from Credence Resource Management harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Credence Resource Management?

As of October 2021, the Better Business Bureau reported 607 closed Credence Resource Management complaints over the previous few decades, including 266 closed complaints over the past 12 months. The BBB provides Credence Resource Management a B rating. Additionally, Justia lists 28 Credence Resource Management complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and four alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 150 closed CRM complaints for 2016.

Contact Information

Credence Resource Management, LLC
17000 Dallas Parkway, Suite 204
Dallas, TX 75248
Phone Number: 855-880-4792

Can Credence Resource Management Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Credence Resource Management would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Credence Resource Management?

Absolutely.  You can sue a debt collector. Here is a Sample Case Filed in Federal Court:

A New York consumer has put her name on a proposed class action that alleges defendant Credence Resource Management LLC violated the Fair Debt Collection Practices Act (FDCPA). The case alleges the defendant sent the Queens County woman a collection notice over a supposed time-barred cell phone debt that was past its four-year statute of limitations. This act, the lawsuit says, was deceptive and meant to induce the plaintiff into payment in the hopes that she was not aware the debt in question was time-barred and, therefore, could not be the subject of collection activities.

Credence Resource Management Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue Credence Resource Management for harassment?

Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Consumers have reported this agency harassing them from the following numbers:

  • 412-566-8441
  • 412-785-1043
  • 805-253-7003
  • 805-253-7003
  • 805-253-7073
  • 502-305-2315
  • 844-218-3103
  • 844-475-9134
  • 855-880-4795
  • 210-944-1791
  • 317-854-0859
  • 317-854-0961
  • 408-775-7337
  • 512-428-8674
  • 601-974-3582
  • 855-876-5351
  • 855-876-5380
  • 855-875-4065
  • 855-752-9257

Stop Debt Collection Harassment

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“I can not praise your service enough. I was lost and only really wanted my credit report cleaned up. You’ve gone beyond my expectations. Thanks again!”

“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”

“Thank you so much! With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”

Can You Help Me Delete Credence Resource Management CRM from My Credit Report?

The brief answer is yes. Contact us now and we’ll explain how we can help.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • CRM S

    Hopefully this benefits others. Received calls from 816-300-9380 and 816-300-9413. Even if I pickup the call, no one responds and it cuts off (very similar to what was submitted in one of the comments below by “John S ” on September 12, 2023. Voicemail message of both numbers says “Credence Resource Management”.

  • John S

    225.666.2958 is a Credence number that calls me 3 times a day. This has been Repeated every day for about 3 months. I have blocked it and banned it but still get notifications they Credence has attempted a call. Though I have taken steps they are still able to leave a voice-mail but never have. The few times I did attempt to answer in the beginning no one ever spoke and the calling party even hung up at least once. I am convinced it is a scam even if they have a legal front of being a debt collector. I believe they are a data collection scheme that are collecting valid phone numbers in order to sell the data to other parties. I have not yet used this Law firm for advice but most likely will should the calls continue.

  • Darren P

    I have been receiving phone calls to my cell phone from Credence 510-901-5425 for close to a year now.
    This past month of April, I have received 17 calls. 17 calls in one month. Credence have never left a message on my voicemail.
    This led me just today to look up their name and number online to see what kind of information I could find.

    Was surprised and annoyed to find out they were a debt collection agency. I was sure this was some kind of scam. I’m still not convinced that this is not a scam.

    I have and maintained a credit score of close to 800. Am always on top of my credit checking it often. Am unaware that I owe anyone anything. Have never received any mail or phone message claiming that they are trying to collect on behalf of anyone.

    Darren P.

  • Alex

    Credence has been harassing me for years – and I have never failed to pay a bill in my life! They’re calling me trying to reach my deadbeat brother whom I don’t even speak to, and who owes me money.

  • max

    I too am getting calls from Credence at a local number. However I DON’T owe anything to anyone but my credit union, which I’m paying off so why the *** are these people calling me 3 to 4 times a day, I tried blocking them but it doesn’t seem to work. theirs got to be a way to stop this.

  • Sherri

    I had a bill ran up on me with AT&T. Called AT&T they separated my number to a new account. Now CRM is trying to collect a 5031 dollar bill. I paid my portion of the bill 9 years ago when my line was switched to a new account. This on my credit report kept me from renting a apartment. It appeared back on my credit report. This is causing me problems. How do I get this removed.

  • RG

    CRM pulled my credit then filed a dispute on my behalf without my permission. Is this not criminal?

  • Christina P

    Credence has called me MULTIPLE times a day for weeks now stating that they are a “collection agency” for AT&T, despite having a paid in full, zero balance listed on my account. I have blocked multiple numbers and they continue to called. I recently threatened to report them. THIS COMPANY IS A SCAM, DO NOT PAY THEM!!

  • Holli N

    My complaint is same as many above. CRM has been calling my cell phone multiple times a day for months from a local number. I did not know who it was, so I continued to block the numbers, but would receive calls from another local number. Finally today, I answered. It was a gentleman with an Indian accent with an American name asking to verify my address before telling me what the matter concerned. He claimed it was for $177 from AT&T.

    About 4 years ago I switched cell phone carrier from AT&T. They continued to bill me for an additional month after the conversion, which I refused to pay… especially because I switched to Cricket, which was owned by AT&T! A different collection agency started calling me soon after, and after about a year of them calling I settled on an amount and paid just to get them off of my back!

    Now CRM can’t explain that to me and are asking me to pay the full $177. If this company is, in fact, legit, AT&T should stop using them immediately! They are unprofessional, uninformed and come off as a scam. Today I told the guy to do what he wanted to do. I am contacting AT&T now. This is RIDICULOUS!

  • joseph h

    I got a call from a man through a local number, who had an Indian accent, and introduced himself as “David Gilbert”, claiming to be collecting my AT&T account with Credence. However, just the day before I had set up an automated transaction, with another company, to resolve my past due ATT account – and the only account I have had. The caller asked for my social, which I refused. He noted that it was his “recommendation” that I don’t pay by check, but I pay with credit card. I told him I would call back. He provided me a 888 callback number, which was invalid, however, when I called the 407 number back, I got another agent with an Indian accent, and an American name. From what I understand Credence does have a location in India, but given the circumstances (my resolution with another company, obvious fake names, and invalid 888 callback number) I can’t even be sure the caller was legit. It’s quite possible while there is a legit Credence in India, I was being scammed by a fake “Credence”. I wish the big brains at Credence Resource Management would have the sense not to hire overseas Indians, with fake American names, to aid in their collection process – Or at least, split the routing of their calls, so that on subsequent contacts it there is an equal chance of getting one of their U.S reps.

  • Greg

    Credence (CRM) called me 3 times today on my cell phone while I am working. The third Time I answered it and asked what they wanted and all they would say was that it was a “Personal Business Matter”. He kept asking with an accent(I believe he was calling from India), for my address, phone number and last 4 of my social to “Verify” who I am so he could tell me what the matter was about. I kept refusing and asking him to verify who he was and where he was calling from. He told me he was calling from Billings Montana even though his accent was an india accent and my caller ID was saying it was a number here in Missouri. WHen I pointed all that out he got beligerent with me on the phone and finally told me that he was going to make sure that I got what was coming to me. At this point I told him that I was going to report him and his company to the Authorities if he didn’t stop threatening me and tell me what the matter was. He finally told me it was for AT&T Cell Service and I haven’t had AT&T service for over 12 years and even then it was a pay as you go no contract. I proceeded to tell him that I never had contract service with AT&T and that I was going to report him and his company. He then called me a very derogatory and and told me to F*** Off and that he would love for me to report him and his company since NOTHING would ever happen and they would never be caught. I hung up on him and reported him to the local authorities and sent them a copy of the recording that I made of the phone call.

    The posts that I have read here gave me peace of mind that I did the right thing and I hope that anyone who recieves a call from them reads these comments and takes action against them. I am glad I read these comments!

  • John H

    I have received several phone calls from Credence Resource Management on my home phone number. I called them today, and the person I spoke to was obviously in India. When I asked for his name, he gave me what I believe to be a fake name, Mill Collens. He said he would only speak to me about a “personal business matter” after I verified my home address. I gave him my zip code only, and he said he had no information on zip codes. So, I asked him how to you verify addresses without knowing the zip code. At this point I decided this was a scam. He wanted my full address and last 4 digits of my social security number. I only gave him my zip code and city I live in. That should be enough to verify my address. So, he had my name, the phone number he has been calling, and enough of my address to verify who he was speaking to. Still, he would not tell me what this “personal business matter” was, but that it was regarding DirecTV. I do not have a DirecTV or ATT account in my name. Although this law office says that Credence is legit, they do not do legitimate business. I advised Credence to never call me again at any phone number

  • Brendon

    I monitor my credit constantly. Out out nowhere comes this CRM on my credit saying I owe 700 + dollers on a att bill. I never had att. Trying to buy a house. This is going to hurt me pretty good. The ?n I have is how in all that’s holy can they just throw something on your credit that’s completely false. Then you have to spend 30 60 90 120 a year to fight to get it off. Im not paying them a dime. They can kiss all my ass!!!

  • Mad i

    Received another call today from credence resource MGMT 833-584-1345. The last time they called from a different number months ago. Today I told Tom Lisbon to stay off my cell phone, scammer. My cell # is not given out on any business except FTC since I’m on a federal do not call list. I have no accts in collections & have had this cell pH for a long time. I’m getting tired of this. This is the 2nd time I’ve told them not to call me.

  • S. C

    I made a payment last year with them and yet they still trying to get money from me for the same account. I settled way more than the bill was initially for and yet they Stillllll won’t stop calling me. They said I didn’t make a payment they don’t see it in their system and when I ask for a manager all of a sudden they see I made a payment and then they said can I mail them a reciept.. What! Its in your system! They just won’t leave me alone.

  • Bond

    Crm has called me for 6 weeks straight now never leave a message. Now I found out they started calling my husband and mother in law. I called them back finally they said it was for AT%T. I do have at%t but pay as you go once a month. They man asked me for my address and last 4 digits of my Social security number. Did not tell him any information . He would not tell me why he was calling until I did. I called AT%Tand they said it’s a scam ! They turned the company fir protentiL fraud. At%t told me they blocked them from my phone , but they called back the next day . What is with these people.

  • Me

    Constant calling 6 days a week for a debt I don’t owe from AT&T as well as calling my wife to get info on me. This needs to stop immediately!

  • Genevieve

    is this company legit, because they are based in India, and I can’t understand them when they call due to their accents, can they be trusted?

  • William S

    I have been receiving calls from CRM and I held them off long enough to do some research. It led me to this site and just reading this and watching the video was enough to convince me that I need to verify the information that they supposedly have.
    Thank you for the information you have given here.
    You are too far away for me to use you further, but even this little bit was invaluable.
    Thank you again.

  • Ann H

    I have been receiving calls about three to five or more a day about my extended car warranty for about a year and a half everyday Ive tried blocking them . Then they call from other numbers . Ive told them I was going to sue them and then they hang up. Told them I dont own the car anymore they still call.

  • Rick

    CRM has placed a Debt on my credit reports that they say I owe. I do not and have told them that. I would like it removed from my credit .

  • Monica R

    I get numerous calls from them. I finally answered because I wanted to know who it was. They were trying to reach my husband. I asked the caller what type of company they were and she just kept saying it’s a business matter. I told her I know and wasn’t asking what the call pertained to I just wanted to know what kind of business they were ie a store, a collection agency, a Walmart lol she wouldn’t say. So I googled it to find out. Anyway this number calls 3-4 times a day, early in the am and late at night this absolutely ridiculous! Y’all need to get your ish together and stop calling so many times!

  • Sheryl

    Don’t know who they are, just called my work phone and hung up after I identified myself. I called the number back and got the name of the company. From now on I’ll just let my calls go to voicemail after I make a complaint the Better Business Bureau!! I never received any letter from this company, but now you feel free to call my Job!!

  • stiffinp

    I get several calls a week from different numbers . I never pick them up, but on recurring calls from the same number ill call back using a phone from a business. The number ‘585 405-6679’ was answered by Credence Resource Management and it can be added to the list above. Once the agent identified himself as CRM, he called me by another name presumably associated with the number I was calling from and said they were pursuing a debt. The phone I used was a business line from a rarely used warehouse, a number that would remain the same for years. Its is unlikely someone would have used that phone number as their own which means CRM operates in the shady realm of debt collections.

  • GeorgeAnna L

    I have paid off the amount of money that was required to bring the collection to $0. At the point that I settled the amount that was outstanding. I requested a letter for my records that collection was satisfied. At that same point requested that a correction was sent to my credit bureaus as directed by my credit resolution company. I was never sent a letter as I requested.

  • Eugene

    I am receiving 2 to 3 calls per day for my mom who is in a assisted living facility. Due to her condition I have control of her finances. Today I have enough and called them back every 4 minutes to request my number be removed, I talked to the same person several times and told them i would waste there time just like they are wasting mine, hopefully after 40 minutes of this maybe they will get the hint. Also filed a complaint on there web site. We will see if this works.

  • Shaun H

    This company calls me 4 to 8 times a day. I block the number and the call from another. Most call are from numbers said to not be a working number if I try to call it back. They never leave a message. I called back a num er today that actualky answered and its Credence Resourse thats been calling me. I asked what kind of business do they do he said personal business and asked for my phone number to see why I been called. I declined saying I do not wish to do my personal business with them. Its getting extremely annoying.

  • Nicholas M

    I am called multiple times a week by this company & never leaves a voicemail. I work overnight so every time they call me they end up waking me up. They have called me 30 times since April 5, 2019, waking me up, every, single, time. They have called me from 3 different phone numbers.

  • Daisy B

    I’m ALSO experiencing the same issue. Stating that I owe about $700+ for Direct Tv, which my mother had canceled under my name which I do believe I owe. (which pays for the equipment and fees I’m told).. However they agreed to knock the original price down to $400… Stating if I put down a first payment of $150.. which leaves a balance of 60 every other week. However, before giving out my info I asked how will I know if they’re legit and this info won’t get reported to my credit once payed off…. They mentioned that I am on a recorded line, and that they will, Mail. Email me my remaining balances and asure that I’m taken care of… How will I know they’re real, I made the first payment today, and I’ve still yet to receive a confirmation email. I’m afraid I’m paying, and this won’t get counted for, or removed from my credit. How will I know if they’re legit and to continue making monthly payments…. Please help, I really would like to get this dept over with. But I must know if this company is legit prior before doing so… SOS.. I’m a young 22, graduate and am desperate for answers..

  • Gregory H

    I just notices A $1420.00 on my credit report from Trans Union by CRM for a past due balance from T-Mobile. This charge was on my credit report about one year ago from a different collection agency. I disputed the charge with credit karma and the collecting agency dropped it. I have never done business with T-Mobile

  • Anjellica A

    On my credit score it states that I have an open balance, but I was wondering how I can pay the balance off (for whatever it is) and have that removed from my credit score ?

  • Cece

    I get three phone calls a day from two different numbers. I may or direct tv less then a few hundred. But I don’t owe them and not the creditor. Plus they call do not leave messages, I ask to be taken off the list and they just hang up. Why would I pay these Hindu voice rude person who harassed me.

  • Jan B

    Can you help me delete, Credence Resource Mana…From my Credit Report ,,

  • lawrence p

    being accused of owing 700.00 dollars for services direct t v never performed.

  • Gary M

    We had a problem with ATT U-Verse regarding return of a piece of equipment which was returned but unfortunately we do not have the receipt for the shipment. This was in about 2016 and the claim was for $796 which is also the amount currently shown on my credit report. Several collection agencies have been involved including Diversified Consultants which is the one listed on my credit report. I received a letter today from Credence Resources Management saying that I owe $3084.88 but that they will settle for $2498.75 as authorized from ATT Mobility. Seem fraudulent to me? If you are going to call me, please send a text message as I don’t answer phone calls from unknown numbers.

  • Kevin

    These people call me constantly j have had 35 calls just thus year I block numbers and they call me from another I do not want to talk to them afraid I will be scammed out of something far as I know I do not have nothing in collections. Kevin

  • John P

    Stop calling me I don’t work just on disability.

  • Patricia M

    They call me at least 5 times a day I have asked to have my number removed they still call. I called back and the woman dared be to block them. She refused to tell me what type of business this was and when I told her my research came up with a scam she became irate

  • Tyler D

    My brother had an ambulance ride to the hospital and his wife gave the hospital his insurance information (which is paid for by our Dad), but for some reason they harass my mom with six calls a day (all from a local number). This despite the fact that she gave them my brother’s number. It wasn’t until she finally had enough that we got the name of CRM and the phone number 855-875-4065. What do we do?

  • Doris M

    What can I do to stop unwanted calls all hours of the day and sometimes up to 8 at night.

  • Diane B

    I am being contacted by this company numerous times a day fro the past 2 weeks. I do NOT owe on anything. All my bills have always been paid in full before they were due so there is no reason I should be getting calls from a debt collection agency. I have told them several times to stop calling my phone number that I am on the State and Federal DO NOT CALL list but they continue to call. Sometimes 6 times a day. Told them again yesterday, twice, to stop calling and received another call again this morning at 8 AM. The number that calls is 1-855-731-5359

  • Timothy S

    I received a debt collection bill from Credence Resource Management, LLC in regards to an outstanding debt from Direct TV, LLC. I recently moved from one address location to another and I called on several occasions requesting that DirectTV “stop” services to my old address which they did not. Due to their own neglect of my prior account with this company, they now want to charge me an additional $181.21 for services which I did not use. As a disabled veteran, please help me stop this illegal harassment on my credit report and unwanted repeated calls. Thank you.

  • Albert C

    They call me saying they represent it AT&T so I paid them$122 and now AT&T saying that they never heard of them and now I still owe AT&T$122 so they scam me

  • Joyce A

    We owed money on a non-emergency ambulance ride for my husband. We couldn’t pay in full, because my husband was disabled, fired from his job with Delta after 27 years, and his disability had not been approved yet. We were making payments, but not fast enough, so that’s when we started hearing from Credence. I still sent partial payments to them. I got a letter stating American Medical Response would accept a lesser amount to settle this debt. We owed $776.25, and they would accept $659.81. So I sent them a check for that amount, but because of everything going on at that time, I filled out everything except I didn’t write out the amount (Six hundred fifty-nine dollars and eighty-one cents) Six months later, I get a letter with my check returned, stating I needed to pay the original amount now. They have been calling my home phone and cell phone constantly this whole time, but I do not answer calls that I don’t recognize, and they never leave a message. I’ve looked the number up online. I will NOT give them any information over the phone. So I reissued a new check for the $659.81 and sent it to them. It has not been cashed yet, but now I wonder if the Ambulance company even uses this company. And will they continue to harass me even after it’s paid in full?

  • Heather V

    I am currently paying off a debt with this company. I made my first payment online without issue. I am attempting to make the second payment online, but now the site is being blocked because of security issues. I DO NOT want to call them and make a payment. I HAVE NOT ever answered 1 of their hundreds of calls to my cell number. At this point I am unsure as to how I will be able to pay this bill otherwise. After doing some online research and finding out that the credibility of this company is in question makes me even more cautious about giving out sensitive info online or over the phone. Can you advise a next step? Thankyou

  • Alisia A

    I paid CRM $150.00 after they contacted my in regards to an AT&T bill. I was then contacted by another company called Diversified Consultants, Inc. claiming they had my account for AT&T. I explained that I had already paid another company and requested more info from them, after not receiving any other clarification a negative mark has been placed on my credit report by the second collection company.

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