Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified debt reporting by Credence Resource Management , LLC, related to an alleged account with XXXX. This matter has been disputed for an extended period and remains unresolved despite prior regulatory involvement. I previously filed a complaint with the Federal Communications Commission ( FCC File No. XXXX ). After receiving the providers response, I replied on XX/XX/year>, indicating that the issue remained unresolved and that no adequate itemized billing had been provided. Prior to Credence Resource Managements involvement, I submitted a formal debt validation request to the previous collection agency, XXXX XXXX XXXX. That request was never satisfied with sufficient documentation. Instead, the account was transferred to a new collection agency ( Credence Resource Management , LLC ) without resolving the underlying dispute. After Credence became involved, I again submitted a formal validation request via certified mail. In response, I received only summary-level billing statements from XXXX. These documents do not provide a complete or itemized accounting of the alleged balance. Specifically : The total balance is reported as approximately {$1200.00} ; however, a significant portion of this amount ( {$570.00} listed as past due ) has never been itemized or explained. The documentation provided does not include a full billing history or a charge-by-charge breakdown showing how the balance accumulated over time. No documentation has been provided showing the application or reconciliation of device promotions, credits, or adjustments associated with the original dispute. The balance reported has varied during this process ( approximately {$1200.00} to {$1200.00} ) without explanation or reconciliation. Despite these deficiencies, Credence Resource Management verified the account through a credit bureau investigation and continues to report the account, causing harm to my credit profile. It is my position that : 1. The debt has not been properly validated as required under the Fair Debt Collection Practices Act ( FDCPA ). 2. The information being reported is incomplete and therefore inaccurate under the Fair Credit Reporting Act ( FCRA ). 3. The transfer of this account between collection agencies without resolving the underlying dispute, followed by credit reporting, reflects a failure to properly investigate and substantiate the debt. I am requesting the following resolution : Immediate deletion of this account from all credit reporting agencies unless and until a complete, itemized, and verifiable accounting of the alleged balance is provided. Suspension of all collection activity until proper validation is produced. A full, detailed accounting of the alleged debt, including all charges, credits, equipment balances, and adjustments. I have made multiple good-faith efforts to obtain this information directly and through prior disputes. To date, neither XXXX nor its collection agencies have provided sufficient documentation to support the balance being reported.

Company response to consumer: Closed with non-monetary relief