Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX, State ZIP. XXXX OH XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX And to : Credence Resource Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unverified Debt and Reporting Violations Account Name : Credence Resource XXXX Account Number ( Partial ) : XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Listed : {$760.00} Date Opened per XXXX XXXX XXXXXX/XX/XXXX Dear Sir or Madam : I am disputing the above-referenced collection account that Credence Resource Management has reported to XXXX. The information is inaccurate, incomplete, and unlawfully furnished, because the collector never sent any debt-validation notice or otherwise communicated with me before placing this account on my credit report.

Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ), a debt collector must, within five days of first contact, provide written notice containing the amount owed, the creditors name, and my right to dispute and request verification. Furthermore, the Consumer Financial Protection Bureaus Regulation F, 12 C.F.R. 1006.30 ( a ), prohibits a collector from furnishing information to a consumer-reporting agency before communicating with the consumer about the debt.

Because Credence Resource Management never fulfilled these obligations, the act of reporting this debt to Experian constitutes a violation of federal law and an unfair collection practice. I never received any correspondence, calls, or electronic communications regarding this alleged debt before it appeared on my credit report in XX/XX/XXXX. 

Accordingly, I request that XXXX immediately delete or block this account pending full validation. I also demand that Credence Resource Management provide, within 30 days, complete verification of this debt, including : The original signed agreement or contract bearing my signature ; A complete payment history and itemization of the {$760.00} balance ; and Documentation showing that a lawful validation notice was sent to my address prior to reporting. 


If these materials can not be produced, you are required to cease reporting and remove the account entirely under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which forbids furnishing information known or reasonably believed to be inaccurate.

Please treat this letter as both a formal dispute under the FCRA and a debt-validation request under the FDCPA. Keep all communications in writing. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Notice of Legal Liability and Potential Penalties Please be advised that your companys actions may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureaus Regulation F, and the Fair Credit Reporting Act ( FCRA ).

Specifically : 15 U.S.C. 1692g ( a ) Failure to provide a written validation notice within five ( 5 ) days of initial communication.

12 C.F.R. 1006.30 ( a ) Prohibition against furnishing information to a credit-reporting agency before first communicating with the consumer about the debt.

15 U.S.C. 1692e & 1692f Prohibitions against false, deceptive, misleading, unfair, or unconscionable collection practices.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably believed to be inaccurate to a consumer reporting agency.

15 U.S.C. 1681s-2 ( b ) Failure to investigate and correct disputed information after notice from a credit bureau .

Under these statutes, Credence Resource Management may be liable for the following civil penalties : FDCPA 15 U.S.C. 1692k : Statutory damages up to {$1000.00} per action Recovery of actual damages ( including harm to credit, emotional distress, or financial loss ) Attorneys fees and court costs FCRA 15 U.S.C. 1681n & 1681o : Statutory damages between {$100.00} {$1000.00} for each willful violation Actual and punitive damages for willful or reckless conduct Attorneys fees and costs Ohio Consumer Sales Practices Act ( R.C. 1345.01 et seq. ) : ( 3 ) actual damages for knowing violations Attorneys fees and civil penalties for willful or repeated misconduct If this account is not fully validated and corrected or deleted within thirty ( 30 ) days, I reserve all rights to file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Ohio Attorney General, and to pursue civil remedies available under these laws.

Sent from my iPhone

Company response to consumer: Closed with non-monetary relief