Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am disputing the following collection account appearing on my credit report : Collection Agency : Credence Resource Management Original Creditor : XXXX Amount Reported : {$270.00} This account is inaccurate. The underlying XXXX account was paid in-store on XX/XX/XXXX, following a change in account holders. Because payment was made and the account responsibility changed, I dispute the validity and accuracy of the balance being reported by Credence Resource Management. Under the Fair Credit Reporting Act, I request that XXXX conduct a reasonable investigation and provide documentation verifying : The balance remained due after my XX/XX/XXXX payment. The debt was legally assigned to Credence Resource Management. The account holder information being reported is accurate. The collection account was reported in compliance with the FCRA. If the furnisher can not provide complete documentation supporting the reporting of this account, I request immediate deletion from my credit file. Please provide written results of your investigation. Sincerely, XXXX XXXX XXXX XXXX DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Collection Account Dispute To Whom It May Concern : I am formally disputing a collection account reported by Credence Resource Management on behalf of XXXX. The account balance reported is {$270.00}. This debt is disputed because the XXXX account was paid in-store on XX/XX/XXXX after a transfer of account ownership. Based upon my records, the collection account does not accurately reflect the status of the account. I request that XXXX investigate and verify : The accuracy of the reported balance. The date of delinquency. The validity of the debt assignment. The accuracy of the consumer information associated with the account. If verification can not be produced, please delete the account pursuant to the Fair Credit Reporting Act. I have supporting documentation available showing payment of the account. Thank you. Sincerely, XXXX XXXX XXXX XXXX DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Collection Account To Whom It May Concern : I am disputing the collection account listed below : Credence Resource Management Original Creditor : XXXX Balance : {$270.00} The account was paid in a XXXX retail store on XX/XX/XXXX after the account ownership was changed. Because the account was paid and responsibility for the account changed, I believe the collection reporting is inaccurate. Please conduct a complete investigation and verify : The existence of a valid unpaid balance after payment. The accuracy of the reporting. The authority of Credence Resource Management to collect and report the debt. If the information can not be verified with competent evidence, I request deletion of the account from my credit report. Please provide written results of your investigation. Sincerely, XXXX XXXX XXXX CFPB COMPLAINT Complaint Against Credence Resource Management and XXXX Issue : Inaccurate Collection Reporting After Payment Complaint : I am filing a complaint regarding a collection account reported by Credence Resource Management on behalf of XXXX in the amount of {$270.00}. The account was paid in person at a XXXX retail store on XX/XX/XXXX. The payment occurred following a change in account holders. Despite this payment, a collection account was subsequently reported on my credit reports. I dispute the accuracy of this reporting because : The account had already been paid. The account ownership had changed. The reported balance does not appear to reflect the payment made. The collection agency continues reporting a debt that I believe is inaccurate. I request that Credence Resource Management and XXXX provide : Documentation proving a balance remained after the XX/XX/XXXX payment. A complete payment history. Documentation showing how the reported balance was calculated. Documentation showing why the account was placed with collections after payment. Requested Resolution : Immediate investigation of the account. Removal of the collection account from all consumer reporting agencies if the debt can not be fully substantiated. Correction of any inaccurate information being reported. Written confirmation of the investigation findings.

Company response to consumer: Closed with non-monetary relief