Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
am writing to request the XXXX assistance in resolving a credit reporting and debt-collection dispute arising from identity theft. Despite my submission of an FTC Identity Theft Report and a clear dispute of the debt, Credence Resource Management continues to pursue and report a {$730.00} account for T-Mobile that I never opened or authorized. 

1. Consumer Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX Email : XXXX 2. XXXX of Facts In XX/XX/XXXX, I discovered that a T-Mobile account had been fraudulently opened in my name. 
On XX/XX/XXXX, I filed an FTC Identity Theft Report, FTC Report No. XXXX, certifying that this accountand all charges theretoare the result of identity theft. 
On XX/XX/XXXX, I emailed Credence Resource Management, attaching my FTC report and demanding immediate removal of the collection account and release from all liability. 
As of XX/XX/XXXX, Credence has neither deleted the account from my credit file nor ceased collection activity ; instead, they continue reporting the debt to Equifax, Experian, and TransUnion, causing ongoing damage to my credit. 
3. Applicable Federal Law Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : A furnisher of information must investigate and correct or delete any information found to be inaccurate after notice of dispute. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Debt collectors may not use false, deceptive, or misleading representations.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692f : Debt collectors may not use unfair or unconscionable means to collect a debt. 
XXXX continued reporting of a demonstrably fraudulent debt violates both the FCRA ( failure to investigate and delete inaccurate information ) and the FDCPA ( misrepresenting the validity of the debt ). 

XXXX. Applicable California XXXX XXXX XXXX Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ) : 1788.15 prohibits debt collectors from collecting debts not owed.

1788.17 prohibits false or misleading representations in debt collection. 
California Consumer Credit Reporting Agencies Act ( CCRAA ), Cal. Civ. Code 1785.1 et seq. : 1785.16 provides consumers the right to dispute inaccurate credit information. 
1785.25 requires furnishers and credit reporting agencies to correct or delete information that is proven to be inaccurate. 
By continuing to pursue and report this fraudulent debt, Credence is in direct violation of Californias Rosenthal Act and the CCRAA. 

5. Relief Requested I respectfully ask the CFPB to : Investigate Credence Resource Managements handling of my dispute. 
Require Credence to perform a proper investigation and immediately delete the fraudulent T-Mobile collection account from all credit reporting agencies. 
XXXX XXXX to cease all collection efforts and provide me written confirmation that I have been released from liability. 
Ensure Credence complies with all applicable federal and California state laws governing debt collection and credit reporting. 
Enclosures : Copy of FTC Identity Theft Report XXXX. XXXX ( XX/XX/XXXX ) Copy of my XX/XX/XXXX email ( and any replies ) to Credence Resource Management Excerpts from my credit report showing the disputed collection entry Thank you for your prompt attention to this matter. Please notify me of any additional information you require or actions taken on my behalf. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief