Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I am filing this complaint against Credence Resource Management for reporting an unvalidated {$810.00} alleged debt. This alleged debt was first acquired with Credence in XXXX of XXXX. I had called to dispute the debt directly with them, and they were unable to validate the debt at that time and also could not provide any proof the debt was tied to me. Then I received a notice that this alleged debt was acquired by XXXX XXXX in XX/XX/XXXX, which was reported to both XXXX and XXXX as a collection, which I then disputed the alleged debt with both XXXX and XXXX multiple times throughout the year, with both agencies responding to the disputes as Verified. So, on XX/XX/XXXX, I called XXXX XXXX and spoke to a representative ( XXXX ) at XXXX pm and spoke to her for XXXX min and XXXX and requested a copy of all the documentation that supports the validation and proof of this alleged debt. I was then told during that conversation that they are unable to provide that because all they have is a phone call from XXXX XXXX XXXX and an email from XXXX XXXX XXXX stating that there is a debt owed under my name. Later that month I received a letter from XXXX XXXX in XX/XX/XXXX that they could not verify the debt after their investigation and that any information regarding this account will be removed from their systems and also having the account removed from the credit reporting agencies. I then received a letter from Credence in XXXX of XXXX as the alleged debt was reacquired back to Credence and since then I have sent XXXX letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) asking for validation and proof of this debt and all that I have received is Past Due Bill notices and unclear signed contracts dating back to XXXX. In XX/XX/XXXX I received an email that a potentially negative alert was on my XXXX credit report. I had seen it was Credence Resource Management and right away disputed this again with XXXX and then this dispute came back with a verified response. Most recently, I received another Past Due Bill Notice from Credence dated XX/XX/XXXX, however ; the postage date was XX/XX/XXXX. This discrepancy further calls into question the accuracy and reliability of the documentation being provided. This conduct appears to violate : - The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), for failure to conduct a reasonable investigation and report accurate information. - The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), for failure to provide proper validation of the debt. I have attempted to resolve this matter directly with Credence, including phone requests to speak with a dispute department since Credence has acquired this alleged debt for the XXXX time without success, and XXXX written requests. The written requests and responses have been uploaded to accompany this complaint and the XXXXXXXX XXXX written letter stating they have been unable to verify the debt and the Dispute from XXXX from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief