Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am submitting this formal complaint against Credence Resource Management , LLC ( Credence ) and XXXX XXXX XXXX XXXX XXXX XXXX ) regarding the repeated and wrongful reporting of an alleged debt that has been sold and re-reported multiple times despite being successfully disputed and removed from my credit reports on several occasions. The repeated re-aging and reporting of this debt violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and has caused significant and ongoing harm to my creditworthiness. 

1. Background and History of Repeated Resale and Reporting This alleged debt originated with XXXX and relates to an incorrect bill issued after I terminated my service on XX/XX/XXXX. This debt has since been sold to and reported by four separate collection agencies : 1 ) XXXX XXXX XXXX ( reported and removed XX/XX/XXXX ) ; 2 ) XXXX XXXX XXXX XXXX XXXX ( reported and removed XX/XX/XXXX ) ; 3 ) XXXX XXXX XXXX XXXX ( reported and removed XX/XX/XXXX ) ; and 4 ) Credence Resource Management , LLC ( reported as a new collection, opened XX/XX/XXXX ). 

Each time the account was removed from my credit file after formal disputes only to be resold and re-reported as a new collection, forcing me to repeatedly contest the same invalid debt over and over again. This is now the 4th time that I am disputing this debt.

2. Inaccurate and Unsubstantiated Debt XXXX billed me for service from XX/XX/XXXX, to XX/XX/XXXX, even though my service was completely terminated on XX/XX/XXXX. Rather than credit me for unused service, XXXX improperly billed me for a full month and added late fees. This amount is not valid or owed. XXXX has since written off this account, yet collection agencies continue to report it as an active debt. 

3. Violations of FCRA : Re-Aging of Debt and Inaccurate Reporting Each new collection agency has reported this account as a newly opened debt, thereby re-aging the account and extending the time it can remain on my credit report beyond the 7-year period allowed under 15 U.S.C. 1681c ( a ) ( 4 ). In the case at hand, Credence has inaccurately reported the Date of First Delinquency ( DoFD ) as XX/XX/XXXXXXXX  which does not reflect the date of the alleged original delinquency in XX/XX/XXXX. This violates FCRA 623 ( a ) ( 5 ), which requires furnishers to report the correct DoFD. 

4. Violations of FDCPA : Unfair Collection Practices The repeated sale and re-reporting of a disputed and unverifiable debt constitutes harassment and unfair collection activity under 15 U.S.C. 1692d and 1692f. Credence has failed to provide validation of this debt, as required under 15 U.S.C. 1692g. 

5. Consumer Harm The repeated re-reporting of this invalid debt has caused substantial harm, including : a significant reduction in my credit score ; emotional distress and time wasted disputing the same invalid debt with multiple collection agencies ; and an inability to resolve the matter directly with XXXX XXXX who refuses to discuss the billing issue now that it has been written off.

Company response to consumer: Closed with non-monetary relief