Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Date : XX/XX/XXXX To : Credence Resource Management , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Demand for Compensation for Defamation, FCRA & FDCPA Violations CRM Reference Number : XXXX Creditor Account Number : XXXX Dear Compliance Officer ( s ), I am in receipt of your XX/XX/XXXX response to my Consumer Financial Protection Bureau ( CFPB ) complaint regarding the above-referenced account. While you acknowledge that the account has been recalled and closed, and that deletion has been requested from the credit reporting agencies, your actions have already caused measurable harm to my reputation, creditworthiness, and financial standing.

1. Wrongful Credit Reporting ( FCRA Violations ) Credence Resource Management reported the disputed account to Experian and TransUnion on XX/XX/XXXX and XXXX, XXXX, despite the debt being fraudulent and unverified. This constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681n, 1681o ). Under FCRA, I am entitled to actual damages, statutory damages up to {$1000.00} per violation, and punitive damages for willful misconduct ( Cousin v. Trans Union Corp., 246 F.3d 359 ( 5th Cir. 2001 ) ).

2. Unlawful Collection Activity ( FDCPA Violations ) The false credit reporting was also an act of unlawful collection under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). Courts have recognized that furnishing false information to a credit bureau is collection activity ( Wenrich v. Robert E. Cole, P.C., 2001 WL 4994 ( E.D. Pa. 2000 ) ). I am therefore entitled to statutory damages up to {$1000.00}, plus actual damages and attorneys fees.

3. Defamation of Character ( Common Law ) The publication of false debt information to credit reporting agencies constitutes defamation per se, as it directly injures my financial reputation. Courts have held that inaccurate credit reporting can support a defamation claim where malice or reckless disregard is shown ( Thomas v. Trans Union, LLC, 2002 WL 34359719 ( D. Or. 2002 ) ). Your reporting was reckless, as you had no verified evidence of my liability at the time.

Demand for Remedy To resolve this matter without litigation, I require the following within 15 days of receipt of this letter : 1. Written confirmation that deletion of all negative reporting related to this account has been completed with all three major credit bureaus ( XXXX XXXX XXXX ). 
2. Monetary compensation in the amount of {$25000.00} for damages to my credit reputation, emotional distress, and financial harm already sustained.

3. Written assurance that neither Credence Resource Management nor XXXX XXXX XXXX XXXX will attempt to sell, transfer, or reassign this account for further collection or reporting. 



If this demand is not met within 15 days, I will pursue all available legal remedies, including filing suit in federal court for violations of the FCRA, FDCPA, and common-law defamation, seeking statutory, actual, and punitive damages, as well as attorneys fees. 

This letter constitutes a formal notice and demand for settlement. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief