In a compelling legal battle that could have significant implications for consumer rights, a plaintiff has taken legal action against a debt collection agency for allegedly violating federal law. Mary Zeedick filed a complaint on February 13, 2025, in the Court of Common Pleas of Allegheny County, Pennsylvania, accusing Credence Resource Management of unlawful practices under the Fair Debt Collection Practices Act (FDCPA).
The lawsuit stems from allegations that Credence Resource Management inaccurately reported information about Zeedick's credit status to TransUnion, one of the major credit reporting agencies. According to the complaint filed by J.P. Ward & Associates, LLC on behalf of Zeedick, the defendant failed to acknowledge that a debt was disputed and falsely represented its character and legal status. The complaint details how on December 9, 2024, Zeedick engaged J.P. Ward & Associates to audit her credit report after discovering inaccuracies attributed to Credence Resource Management. A dispute letter was sent to the company requesting an investigation into the matter and urging them to correct or mark the tradeline as disputed.
Despite receiving this notification, Credence Resource Management reportedly continued to furnish incorrect information about Zeedick's alleged debt by marking it as "in Collection" without noting its disputed nature. This act is claimed to contravene several provisions of the FDCPA which prohibits false or misleading representations in connection with debt collection activities. Specifically, Zeedick’s legal team argues that these actions violated sections 1692e(2)(a) and 1692e(8) of the FDCPA.
Zeidick's attorneys assert that such conduct not only misrepresents her financial obligations but also causes undue stress and anxiety. The complaint highlights how abusive debt collection practices can lead to personal bankruptcies and emotional distress among consumers—a concern echoed in federal statutes aimed at curbing such behavior.
As relief for these alleged violations, Mary Zeedick seeks monetary damages including actual damages suffered due to emotional distress and statutory damages up to $1,000 as permitted under section 1692k(a) of the FDCPA. Additionally, she requests coverage for costs incurred during litigation along with reasonable attorney fees.
The case underscores ongoing challenges faced by consumers in ensuring accurate credit reporting and holding companies accountable for non-compliance with established laws designed to protect individuals from unfair debt collection practices.
Representing Mary Zeedick are attorneys Travis A. Gordon and Joshua P. Ward from J.P. Ward & Associates, LLC based in Pittsburgh. The case is identified under Docket No. CVPDD008S343F147 in the Court of Common Pleas of Allegheny County.