Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Subject : Dispute Concerning Duplicate Reporting by Credence Resource Management To Whom It May Concern, In XX/XX/XXXX, I initiated a dispute through XXXX XXXX for an account entry associated with Credence Resource Management, which I did not recognize. Approximately three months later, I received an email stating that the matter had been resolved. Based on this communication, I reasonably assumed the dispute had been properly addressed and closed. 

However, as of XX/XX/XXXX, while attempting to dispute a new charge for the same debt, from the same company, I discovered that the original disputepreviously marked as resolvedis still listed as pending on my XXXX XXXX report. This unresolved status is well past the standard 30- to 45-day investigation period as required by the Fair Credit Reporting Act ( FCRA ). 

Furthermore, on XX/XX/XXXX, I received a notification regarding a decrease in my credit score. Upon reviewing the update, I found that Credence Resource Management has reported a new derogatory item that appears to reference the same account originally disputed in XX/XX/XXXX. This new item claims it was created in XX/XX/XXXX, yet it only just appeared on my credit report in XXXX. Most concerning is that this entry also states I am behind on payments, even though I have not received any formal notice, billing statement, or communication regarding an outstanding balance or payment obligation from Credence Resource Management since the original dispute. 

This situation raises several concerns : 1. The same debt appears to have been reported twiceonce under the original ( unresolved ) dispute and again as a new derogatory item.

2. The new report reflects negative payment status without any direct notice to me, which may violate requirements under the FCRA and other consumer protection statutes.

3. The lack of proper update or resolution to the original dispute and the sudden re-reporting of a derogatory item under a new date suggests possible double-reporting or re-aging of debt, both of which may be unlawful. 

I am formally requesting a full investigation into this matter and a correction of any inaccurate, duplicate, or improperly reported information on my credit report. Specifically, I ask that : 1. The duplicate or erroneous account be removed ; 2.The status of the original dispute be accurately updated ; 3.And all applicable legal obligations regarding notification and credit reporting be reviewed for compliance. 

Additionally, I am requesting that Credence Resource Management : 1. Cease all reporting of this account to any credit bureau ; 2. Cease all collection efforts unless and until proper debt verification is provided ; 3. Refrain from selling, transferring, or reassigning this alleged debt to another collector, as such actions have already resulted in inaccurate and potentially unlawful re-reporting.

4. Given the impact this issue has had on my credit and the resulting harm, I reserve the right to seek compensation for damages incurred as a result of these reporting inaccuracies and any non-compliance with the FCRA or FDCPA. 


I appreciate your prompt attention to this matter and request written confirmation of the steps taken to resolve this issue. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief