Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Subject : Continued reporting of an unverified, inaccurate, and legally insufficient debt Creditor : XXXX XXXX XXXX XXXX Collector : Credence Resource Management ( CRM ) Account : XXXX CRM Reference : XXXX Summary of Issue Credence Resource Management continues to report a debt to XXXX XXXX XXXX without providing legally sufficient validation, despite multiple disputes and despite admitting they can not produce the contract that supposedly created the obligation. Their response to my XX/XX/XXXX CFPB complaint contains multiple contradictions, factual inaccuracies, and violations of the FDCPA and FCRA. I am requesting immediate deletion of this account from all credit bureaus due to the collectors inability to validate the debt and their continued reporting of unverifiable information. 1. CRM admits they can not produce the contract In their written CFPB response, CRM states : The contract is unverifiable due to a temporary outage in the system. Although no contract is currently available This is a direct admission that : - They can not prove I agreed to any terms- They can not prove I financed a device - They can not prove the amount they are collecting - They can not prove liability Under FDCPA 809 ( b ), if the contract can not be produced, the collector can not continue collection or credit reporting. 2. CRM provided only a single XXXX XXXX XXXX bill, not itemized validation The only validation provided is the same XXXX XXXX XXXX bill I uploaded : Total due : {$2200.00} Past due please pay immediately : {$2200.00} This bill does not include : - Itemization of charges - Device financing breakdown - Usage records- Dates of service - Terms & Conditions - Proof of contract acceptance A bill is not a contract and does not meet the FDCPAs validation requirements when the balance includes device financing and fees. 3. CRM reported the debt BEFORE validating it CRM states : On XX/XX/XXXX and XXXX, XXXX, the account was credit reported to XXXX XXXX XXXX But they also admit : - They did not receive my dispute until XX/XX/XXXX- They still can not validate the debt - The contract is unavailable Under FCRA 602 and 611, a debt that can not be verified must be deleted. 4. CRM falsely claims the bill is proper validation CRM states : The validation provided is legally considered proper verification This is incorrect. Courts have repeatedly held that : - A billing statement alone is not sufficient validation - A collector must provide itemization and proof of liability - A collector must provide the contract or terms when the amount includes financed equipment CRM has not met these requirements. 5. XXXX XXXX XXXX own records contradict CRMs claims CRM states : Charges & Collection activity are valid due to customer acceptance of contract and Terms & Conditions But they also admit : The contract is unverifiable no contract is currently available. They can not claim I accepted terms they can not produce. XXXX. The amount is unverified and unitemized The XXXX XXXX XXXX XXXX shows : Total due : {$2200.00} But CRM claims the balance includes : - Pastdue service charges- Late fees - A financed device balance None of these components are itemized or supported by documentation. This violates : - FDCPA 809 ( b ) - FCRA 602 - XXXX XXXX reporting standards Requested Resolution I am requesting the CFPB require Credence Resource Management and XXXX XXXX XXXX XXXX to : - Delete the account from XXXX XXXX XXXX due to inability to validate the debt. - Cease all collection activity until full validation is provided. - Provide : - The signed contract or electronic acceptance logs - Full itemization of charges - Device financing agreement - Proof of ownership of the debt - Proof the amount is accurate If they can not provide these documents, the account must be permanently deleted. Why CFPB intervention is required CRM has : - Admitted they can not produce the contract - Provided only a single bill as validation - Reported unverifiable information to credit bureaus - Failed to meet FDCPA and FCRA requirements- Continued reporting despite lacking documentation This is a clear pattern of noncompliance and harmful credit reporting.

Company response to consumer: Closed with non-monetary relief