Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Complaint Against : XXXX ( Credit Reporting Agency ) Credence Resource Management , LLC ( Debt Collector ) Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX What Happened? 
I am filing this complaint against XXXX and Credence Resource Management , LLC for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting inaccurate and fraudulent information on my credit report. 

Specifically, Credence Resource Management is reporting a XXXX XXXX collection account from XXXX to XXXX, even though I have provided conclusive proof that I was incarcerated from XXXX to XXXX and could not have incurred this debt. 

Despite multiple disputes and supporting evidence, XXXX has failed to conduct a reasonable investigation and continues to allow Credence Resource Management to report this false account on my credit file. 

Violation of Federal Law Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), XXXX must remove inaccurate, incomplete, or unverifiable information from a consumers credit report. 

XXXX failed to properly investigate my dispute and remove this fraudulent account. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ), it is illegal for a debt collector to report false or misleading information to credit bureaus. 

Credence Resource Management is knowingly reporting false information despite receiving proof that the account is not mine. 
Steps I Took to Resolve the Issue : I sent multiple dispute letters to XXXX, explaining the account is fraudulent and that I was incarcerated at the time. 
I provided official incarceration records proving I was in custody from XXXX to XXXX and could not have opened or used a XXXX XXXX account in XXXX. 
I disputed the account with Credence Resource Management and requested validation, but they failed to provide any proof that I incurred this debt. 
Harm Caused by This False Reporting : Significant credit score damage due to this fraudulent collection account. 
Denial of credit, housing, and financial opportunities. 
Emotional distress from repeated disputes and Experians refusal to correct the false reporting. 
Financial harm due to the burden of disputing an account that is clearly not mine. 
Resolution Sought : I demand that : XXXX immediately delete the XXXX XXXX collection account reported by Credence Resource Management , LLC from my credit file. 
Credence Resource Management , LLC cease all collection activity on this fraudulent account. 
Credence Resource Management provide proof of validation or immediately request deletion of the account from XXXX. 
XXXX and Credence Resource Management comply with FCRA and FDCPA laws to ensure proper investigations and removal of false data. 
Failure to Comply Will Result in Legal Action If this matter is not resolved within 15 days, I will : File a small claims lawsuit against XXXX and Credence Resource Management under FCRA 15 U.S.C. 1681n and FDCPA 15 U.S.C. XXXX for damages. 
File formal complaints with the Federal Trade Commission ( FTC ) and my states Attorney General. 
This is XXXX and Credence Resource Managements final opportunity to correct this matter before I escalate legally. I expect immediate resolution.

Company response to consumer: Closed with non-monetary relief