Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
FORMAL COMPLAINT STATEMENT Consumer Statement Regarding Improper Credit Reporting, Duplicate Collection of Paid Debt, and Failure to Acknowledge Payment I am filing a formal complaint against Credence Resource Management regarding inaccurate credit reporting, duplicate collection of a previously paid debt, failure to properly apply and acknowledge payment, and refusal to respond to disputes or identify representatives. 1. Background of the Account The original account was with XXXX XXXX XXXX in the amount of {$610.00}. This debt was paid in full directly to XXXX & XXXX in or around XX/XX/XXXX. Despite this payment, the account was later placed with and/or sold to Credence Resource Management , who continued to pursue collection on the same debt. For approximately two years, I attempted to resolve this issue with XXXX XXXX XXXX, disputing the validity of the balance and the improper collection activity. Due to the ongoing negative impact on my credit and my inability to resolve the matter through normal channels, I was ultimately forced into a position where the only practical option to protect my financial future was to pay the debt a second time. 2. Payment to Credence Resource Management On XX/XX/XXXX, I made a settlement payment of {$280.00} to Credence Resource Management. This payment was made under pressure due to the urgent need to stabilize my credit during a critical financial period. The payment was successfully processed and cleared my bank account on XX/XX/XXXX. I have clear documentation, including bank statements, confirming this transaction. 3. Initial Removal from Credit Report Following this payment : The collection account was closed The account was removed from my credit report 4. Improper Reinsertion of Collection Account On or about XX/XX/XXXX, the same account was : Reinserted onto my credit report Reported as an active collection account Marked as over 180 days past due Listed with derogatory status I did not receive any notice of reinsertion, as required under the Fair Credit Reporting Act. 5. Resulting Harm This conduct has caused significant and immediate harm, including : Severe damage to my credit score Disruption during a time-sensitive home purchase process Financial and emotional distress to myself and my family 6. Attempts to Resolve the Issue Phone Communication Issues Representatives refuse to properly identify themselves They have refused to review call recordings or escalate the issue They have failed to acknowledge or investigate my documented payment Written Disputes I submitted formal written complaints and disputes via email Included supporting documentation ( proof of payment ) No response has been received 7. Violations and Serious Concerns This situation raises serious concerns, including : Attempted collection on a debt already paid to the original creditor Acceptance of a second payment without proper reconciliation of the account Inaccurate and misleading credit reporting These actions appear to violate : Fair Credit Reporting Act Reporting inaccurate information Reinserting a previously deleted account without required notice Fair Debt Collection Practices Act Failure to properly account for payments Continuing collection activity on a disputed and previously paid debt Failure to conduct a reasonable investigation Lack of transparency and refusal to identify representatives 8. Requested Resolution I am requesting the following immediate actions : 1. Permanent deletion of this collection account from all credit reporting agencies : XXXX XXXX XXXX 2. Written confirmation that : The account is fully resolved The account will not be re-reported 3. A formal explanation of : Why a debt that was previously paid to the original creditor was collected again Why my XX/XX/XXXX payment was not properly reflected Why the account was reinserted without notice 9. Supporting Documentation ( Available Upon Request ) Proof of payment to XXXX XXXX XXXX ( XX/XX/XXXX ) Bank statements showing payment to Credence XXXX XXXX XXXX XXXX XXXX Credit report history showing deletion and reinsertion Copies of written disputes submitted 10. Final Statement I have made multiple good-faith efforts over several years to resolve this matter. Instead, I have been subjected to duplicate collection, inaccurate reporting, and complete lack of response. This situation is unacceptable and requires immediate correction.

Company response to consumer: Closed with non-monetary relief