Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I received notifications from the credit bureaus regarding a new collection account that was added to my credit report. I contacted Credence Resource Management for clarification. I first spoke with a representative named XXXX, who stated the debt was from XXXX and transferred me to a supervisor. 

I was then connected with XXXX XXXX, who also confirmed the debt was from XXXX beyond the applicable statute of limitations for collection in my state. He stated that Credence did not attempt to contact me until XX/XX/XXXX. He claimed they mailed a letter that was undeliverable, attempted to send text messages that supposedly did not go through, and also tried calling me but said the calls would not connect. This is the same cell number I used to contact him, which undermines the validity of those claims. 

When I requested proof of any communication attempts or validation of the debt, he refused to provide it. He stated he would need to reach out to XXXXXXXX XXXX  XXXX to see if they could provide detailsindicating that Credence does not currently possess any documentation, verification, or evidence required to legally validate this debt. He also stated that even if my dispute is valid, they will not remove the account from my credit report. 

When I asked whether Credence had any documentation proving the debt was valid or assigned to them, he admitted they do not and would have to request it. Credence reported a collection account on my credit report without validating the debt, without proper notice, and without providing the required written validation within five days of initial contact as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). 

Furthermore, reporting a debt to the credit bureaus without first validating it and while unable to substantiate ownership, amount, or legitimacy constitutes furnishing inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). Continuing to report this debt after being notified of its disputewhile lacking any supporting documentationwould further violate 1681s-2 ( b ) regarding a furnishers duty to investigate and correct inaccuracies. 

He also confirmed the alleged debt is from XXXX. If the statute of limitations for collection in my state has expired, then threatening to collect, attempting to collect, or reporting the debt to the credit bureaus may also violate FDCPA 1692e and 1692f due to misleading, unfair, or deceptive practices. Attempting to collect or report time-barred debt without clear disclosure that they can not sue for it is also considered deceptive under CFPB and FTC guidance . 

Additionally : Credence could not provide proof that I was ever notified within the required timeframe. 

They could not validate the original creditor, the amount, or the date of last activity. 

They admitted they would need to go locate proof because they do not have it. 

They furnished information to the bureaus knowing they can not substantiate it. 

Given these violationsand the fact that this debt appears unverified, time-barred, and potentially misreportedI am formally requesting that this account be removed immediately from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief