Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Alleged T-Mobile Account / Improper Credit Reporting To Whom It May Concern, I am writing regarding the collection account that Credence Resource Management , LLC reported XXXX Experian on or about XX/XX/XXXX, reflecting a balance of {$1400.00}, allegedly arising from a T-Mobile account. 

This letter constitutes formal notice of dispute, a demand for validation, and notice of statutory violations under federal law. 


FACTUAL BACKGROUND ( DOCUMENTED ) XXXX. This alleged T-Mobile account was previously placed with XXXX XXXX XXXX, which issued a written collection notice dated XX/XX/XXXX, reflecting a balance of {$410.00}.

2. I timely disputed the XXXX account.

3. That dispute was escalated to the Attorney General, resulting in direct written contact from XXXX XXXX XXXX XXXX XXXX XXXX XXXX email dated XX/XX/XXXX ). 
4. Despite the active dispute and executive-level review, the account was subsequently transferred to Credence Resource Management.

5. Credence reported the account to Experian without first providing any written notice or validation, and with a materially inflated balance of {$1400.00}.

6. Original creditor letter states the balance is {$410.00} Inflated or inaccurate balance Unauthorized fees or interest Failure to properly transfer account data Potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA A debt collector must collect the exact balance verified by the original creditor. They can not change the amount unless they can clearly document and justify the difference. I have attached the T-Mobile final notice as documentation.

LEGAL VIOLATIONS 1. FDCPA Failure to Provide Required Validation Notice Under 15 U.S.C. 1692g ( a ), a debt collector must provide a written validation notice within XXXX ( XXXX ) days of the initial communication. 

Credit reporting constitutes a collection activity You reported the debt before providing notice or validation This is a violation of 1692g ( a ).

2. FDCPA Collection and Reporting of a Disputed Debt Because this debt was previously disputed, any subsequent collector must treat it as disputed.

Your failure to : Provide validation Suspend reporting Acknowledge the dispute constitutes violations of 15 U.S.C. 1692e ( 2 ) ( A ) ( false representation of amount ) and 1692e ( 8 ) ( failure to communicate disputed status ).

3. FCRA Reporting Inaccurate and Unverifiable Information Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reason to believe is inaccurate.

The balance jump from {$410.00} to {$1400.00} without explanation constitutes : Inaccurate reporting Failure to maintain reasonable procedures for accuracy ( 1681s-2 ( a ) ( 1 ) ) 4. FCRA Failure to Ensure Maximum Possible Accuracy Reporting a disputed, unvalidated, and materially altered balance violates 15 U.S.C. 1681e ( b ).

FORMAL DEMAND Pursuant to 15 U.S.C. 1692g, 1692e, 1681s-2, and 1681e, I hereby demand : 1. Immediate cessation of all collection and credit reporting activity 2. Full written validation, including : - Original signed agreement with XXXX XXXX XXXX itemized accounting explaining the balance increase - Chain of custody/assignment from XXXX XXXX XXXXCredence - Proof the debt was transferred as disputed 3. Deletion of all credit bureau reporting if validation can not be produced Failure to comply will result in formal complaints with the CFPB, State Attorney General, and consideration of civil remedies.

This letter is not a refusal to pay, but a lawful assertion of my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief