Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
In On XX/XX/2024, I rec 'd an email indicating that my credit score had changed. I pulled my XXXX credit report and it showed a collections item for XXXX XXXXXXXX XXXX ( Original creditor XXXX XXXX ). I contacted XXXX Fraud and started a dispute because I have never had an XXXX Account, I had not received any type of notification, bill or any correspondence of any type from XXXX or XXXX XXXX XXXX. I added another fraud alert to my XXXX credit report. 

Because of what I found on the XXXX report, I then pulled my credit reports from XXXX and XXXX. Both of these reports had an address listed for me in XXXX, NJ. I started a dispute for the address indicating that I have never been lived in NJ or had any association with a NJ address. 

XX/XX/2024, rec 'd correspondence from XXXX indicating their investigation was complete and they had deleted the XXXX XXXXXXXX XXXX item ( Original creditor XXXX XXXX ) from my credit report. 

I checked all three credit reports and confirmed the XXXX ( XXXX ) was removed from the XXXX credit report. The XXXX, NJ address was removed from the XXXX and XXXX credit reports. 

Then, on XX/XX/2024, I checked my XXXX report and found that the XXXXXXXX XXXX acct was now showing on my credit report as a collections by a company named Credence Resource Management. I contacted XXXX and started a dispute. I contacted Credence by phone and told them I didn't believe this account was mine especially since I had never had any accounts with XXXX XXXX. Additionally, I had never received any correspondence from XXXX and/or Credence about this account. At this point, I though maybe the issue was that someone used that XXXX NJ address to open credit in my name. I asked them what address they had for me for this account, because I had NEVER received anything via mail from XXXXXXXX XXXX  and/or Credence. I s/w with XXXX XXXX and XXXX XXXX at Credence requesting they provide proof that this account is mine. They wouldn't give me any information over the phone or confirm if the account was somehow linked to the false XXXX NJ address that I had recently gotten removed from my credit reports. I did at that time give them my current mailing address and asked them to send verification of the debt. They instead sent me a " fraud package '' to fill out requesting a police report proving identity theft and requesting information I just don't have. They have failed to provide me with any information concerning this alleged account, including when it was opened, proof of any kind of agreement, or the address that was used to open the account. On XX/XX/2024, I again contacted Credence because the local police wouldn't take a report before I have no actual information to give them about who opened this account in my name. I again requested that Credence send me verification/proof of the debt, including any agreements, any bills, any transactions, any addresses used, etc. I am not confident that they will send me that information. 

I called XXXX fraud dept. again and was advised to file a complaint with the FTC and to send them a copy along with a copy of my driver 's license showing my address and they would complete their investigation at that time. 

My credit has always been excellent and this is really causing a lot of anxiety and stress because the collections company will not provide any type of verification of this debt and instead sent me a 7 page Identity Theft Victims Complaint and Affidavit to complete ( where most of the information I just do not have as they won't give me the information that they have. ). I am also curious how this originally showed on my of my credit report as a company named XXXX and when that was removed, it showed on a different credit report as a company named Credence -- - both apparently for the same XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief