Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against CREDENCE RESOURCE MANAGEMENT regarding unlawful debt collection practices and inaccurate credit reporting. The company is reporting the following account on my consumer report : Account Name : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Reported Balance : {$1000.00} Status : Collection account {$1000.00} past due as of XX/XX/XXXX Last Updated : XX/XX/XXXX I dispute the validity of this alleged debt in its entirety. CREDENCE RESOURCE MANAGEMENT has failed to provide legally required validation of this account. I have not received any documentation proving I have a legal obligation to pay this debt. Specifically, they have failed to provide : A copy of the original contract bearing my wet signature A complete chain of assignment showing how they obtained legal rights to this debt Proof they are licensed and authorized to collect debt in the State of Georgia Documentation establishing a permissible purpose under 15 U.S.C. 1681b I am filing a formal complaint against CREDENCE RESOURCE MANAGEMENT regarding unlawful debt collection practices and inaccurate credit reporting. The company is reporting the following account : Account Name : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Balance : {$1000.00} Status : Collection account {$1000.00} past due as of XX/XX/XXXX I dispute this account in its entirety. This reporting is inaccurate and misleading. A collection account is not an active credit account with scheduled payments, therefore it can not legally or accurately report a past due balance. Reporting a past due amount on a collection account falsely implies an ongoing payment obligation and continued delinquency. In addition, CREDENCE RESOURCE MANAGEMENT has failed to provide proper validation of this alleged debt. They have not provided : The original contract bearing my wet signature A complete chain of assignment Proof of licensing in the State of Georgia Any documentation establishing a permissible purpose Despite this, they continue reporting this account. This constitutes violations of : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 duty to report accurately ) Fair Credit Reporting Act ( 15 U.S.C. 1681b permissible purpose ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692g validation requirements ) The reporting of a past due balance on a collection account is materially misleading and inaccurate. A collection account should not be reporting a past due amount because it is no longer an active credit obligation with scheduled payments. Once charged off and placed in collections, the balance may be listed, but a past due status implies an ongoing delinquency, which can be misleading and violate XXXX XXXX guidelines + FCRA accuracy standards ( 15 U.S.C. 1681s-2 ). Despite this, they continue to report this account, which is causing harm to my credit and financial standing. This constitutes violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), including reporting unverified and disputed information.

Company response to consumer: Closed with non-monetary relief