Consumer complaint received 2025-12-02 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: MO

Complaint narrative:
I am submitting this complaint because Credence Resource Management is reporting a derogatory collection account in the amount of {$410.00} on my credit report that I do not recognize, do not owe, and did not authorize. This account is fraudulent. Because this account does not belong to me, and because I have no connection to the original creditor or the alleged debt, I filed an FTC Identity Theft Report documenting that this account was opened or assigned without my knowledge or consent. 

This Credence Resource Management account has caused significant damage to my credit, created confusion, and violated my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have taken every step required of me as a consumer, including disputing the account with the credit bureaus, requesting validation, and filing an official federal identity theft report. Despite this, the account remains on my credit file, which is why I am requesting the CFPBs involvement. 

XXXX. The {$410.00} Credence Resource Management Account Is Not Mine I first became aware of this alleged {$410.00} collection account when I reviewed my credit report. I was surprised and confused because : I have never received a bill or invoice for {$410.00} I have never received a phone call, email, or letter from Credence Resource Management I have never done business with the original creditor Credence claims to represent I have never authorized or acknowledged any debt in this amount I have never been notified of any delinquency that could lead to a collection The fact that I had XXXX prior communication about this account strongly suggests either identity theft, a mixed credit file, or misreporting by the furnisher. 

XXXX. Credence Resource Management Has Never Sent Me Any Validation or Documentation Under FDCPA 809 ( b ), a debt collector must provide a consumer with a written validation notice within XXXX days of its first communication. 

I never received : A validation notice A letter explaining the original creditor A bill or statement A breakdown of the alleged {$410.00} charges Any documentation proving I owe this debt Because I have never received any correspondence, Credence Resource Management has not followed the legal process for debt collection and can not legally report or collect on this account. 

XXXX. I Disputed the Account With the Credit Bureaus and Requested Validation Upon seeing the {$410.00} account on my credit report, I filed disputes with : XXXX XXXX XXXX In these disputes, I made it extremely clear : This account does not belong to me I have no knowledge of the original creditor I did not authorize this account I needed verification, documentation, and account records I specifically requested : The original creditor name A copy of any contract or signed agreement Proof of account ownership Itemized billing statements Proof that I was notified of the debt The method of verification used for the bureaus investigation However, none of this information was provided to me by any of the bureaus or by Credence Resource Management. 

Instead, the credit bureaus returned generic responses saying that the account had been verified, with no explanation of how it was verified. 

XXXX. The Credit Bureaus Did Not Provide a Method of Verification Under FCRA 611 ( a ) ( 6 ), when a consumer requests the Method of Verification XXXX XXXX XXXX during a dispute, the credit bureaus must : Explain how the furnisher verified the account Provide the name and contact information of the furnisher Reveal the data used to confirm the account State whether documentation was reviewed or whether verification was automated The credit bureaus provided none of this. There was : No documentation No contract No itemized bill No signature No identity verification No evidence that the furnisher investigated This indicates that no real reinvestigation took place, which violates FCRA 611 ( a ). 

XXXX. I Filed an FTC Identity Theft Report Because This Is Fraud Since the account is not mine and no documentation exists to support it, I filed an FTC Identity Theft Report XXXX XXXX XXXX. This is a federal affidavit affirming that : The {$410.00} collection account is fraudulent I did not open or authorize the account I did not incur any charges related to the account The information connected to the account is inaccurate Under FCRA 605B, once a consumer provides an identity theft report : The credit bureaus must block the fraudulent information within XXXX business days The furnisher must stop reporting the fraudulent account The bureaus must prevent reinsertion unless strict proof is provided Despite my identity theft filing, the account remained, meaning my rights under 605B were violated. 

XXXX. Credence Resource Management Failed to Validate Despite Legal Requirements Under federal law, a debt collector must stop collection and reporting activity if a consumer disputes a debt and requests validation. 

Credence Resource Management failed to : Validate the debt Provide documentation Provide the original contract Provide account statements Provide a record of charges Provide proof that the account belongs to me Because Credence can not validate the debt, they can not legally continue to : Collect on it Report it Verify it to a credit bureau Their failure to validate means the account must be removed. 

XXXX. The Continued Reporting of a Fraudulent Account Has Caused Significant Harm This {$410.00} collection account, though small in dollar amount, has a disproportionately large negative impact on my creditworthiness. A single collection account can : Lower a credit score by XXXX points Prevent approval for loans Increase interest rates Raise insurance premiums Affect access to housing Limit employment opportunities in some industries This fraudulent account continues to damage my financial standing and reputation. 

XXXX. The Reporting Violates Several FCRA and FDCPA Provisions The handling of this account violates : FCRA Violations 602A Failure to maintain maximum accuracy 605B Failure to block identity theft information 607 ( b ) Inadequate procedures to ensure accuracy 611 ( a ) Failure to reinvestigate properly 611 ( a ) ( 6 ) Failure to provide the Method of Verification FDCPA Violations 809 ( b ) Failure to provide validation and continuing collection activity 807 ( 8 ) Communicating false information to credit bureaus 806 & 807 Using unfair or deceptive practices in reporting These violations justify immediate removal of the account and regulatory review. 

XXXX. There Is No Evidence This Debt Is Mine To further clarify : I never opened an account for {$410.00} I never received services totaling {$410.00} I never received a bill for {$410.00} I was never notified of delinquency I never received a collection letter I never acknowledged this debt I never authorized Credence to collect anything If Credence had documentation, they would have provided it. They did not. 

XXXX. This Fraudulent Account Suggests Possible Identity Theft or Mixed File Because I do not own this {$410.00} debt, the most likely causes are : Identity theft Incorrect data assignment Incorrect social or name matching Creditor database error Debt purchased with incomplete records Mixed credit file All of these scenarios require immediate correction and removal. 

XXXX. I Request CFPB Intervention Because All Other Methods Have Failed I have : Disputed the account Requested validation Requested the XXXX Filed an FTC Identity Theft Report Contacted the credit bureaus Attempted to correct the information None of these actions resulted in removal of the fraudulent account. 

At this point, CFPB intervention is necessary and justified. 

SUMMARY OF WHAT HAPPENED Credence Resource Management is reporting a fraudulent {$410.00} collection account. 

I do not recognize or owe this debt. 

I never received communication or validation from Credence. 

I disputed the account with all credit bureaus. 

I filed an FTC Identity Theft Report confirming fraud. 

Credence failed to validate the debt. 

The credit bureaus failed to provide a Method of Verification. 

The account continues to appear, violating FCRA & FDCPA laws. 

This account is causing severe harm to my credit. 

I am requesting full removal and CFPB enforcement action.

Company response to consumer: Closed with non-monetary relief