Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Credence Resource Management , LLC Is continuously trying to report and collect a debt that they have not yet verified. Even tho at one point marked as fraud and taken down from the credit bureaus. 
Ive repeatedly asked for specific documents for verification, proof that I am legally obligated to the alleged debt as well as any contract or documentation, bearing my signature. Also their proof to legally collect the alleged debt. They have not given any of the above information. 

On XX/XX/XXXX Credence Resource Management , LLC contacted me through email to notify me of their attempt to collect a debt. 
On XX/XX/XXXX I responded with a dispute letter asking for the following : 1.The name and address of the original creditor. 
2.The exact amount of the alleged debt, including a breakdown of fees, interest, or charges.

3.A copy of the original contract or agreement bearing my signature, or any documentation that legally establishes my obligation to this debt.

4.Proof of your legal authorization to collect this debt.

5.A complete payment history from the original creditor, including any charges or adjustments. 

On XX/XX/XXXX Credence Resource Management , LLC contacted me through email with a Dispute Investigation Update. It stated that they have been unable to complete the investigation as we await additional materials from the creditor. We will update you on the results of the investigation when completed. 

On XX/XX/XXXX Credence Resource Management , LLC contacted me through email with a dispute investigation response. It stated We have investigated your dispute in coordination with XXXX XXXX XXXX XXXX and verified that the charges on your account are valid. - but did not provide any of the information that I requested in my dispute email. 

On XX/XX/XXXX I asked again that they provide the information I requested in my dispute letter since they have yet to provide any documentation. 

On XX/XX/XXXX Credence Resource Management , LLC contacted me through email with a pdf of an itemized statement from an XXXX XXXX XXXX XXXX account. As if to satisfy the dispute letter Ive sent twice asking for proof and verification of debit. I then disputed on XXXX  and they removed the collection report. 

On XX/XX/XXXX Credence Resource Management , LLC Contacted me through email with a Verification Of Balance pdf. As if to satisfy the dispute letter Ive sent twice asking for proof and verification of debit. 

On XX/XX/XXXX Credence Resource Management , LLC Contacted me through email with a contract copy pdf. I have never seen that document until that email all it had was some AT & T logo at the top Order number customer account number mobile number customer name ( someone had typed my name ) acceptance date. 
no signature no other information. 
It was NOT a contract On XX/XX/XXXX I contacted Credence Resource Management , LLC stating : That is not a contract bearing my signature it looks like it was just made. 

On XX/XX/XXXX Credence Resource Management , LLC Contacted me through email stating : We are in receipt of your email, dated XX/XX/XXXX Please be advised that the account is marked as a possible fraud. 
The fraud packet will be sent to you in a separate email at the earliest. 

Please be advised that based on your email, Credence will cease all further communications with you regarding this matter. 
Credence apologizes for the inconvenience caused to you. 

Months later on XX/XX/XXXX Credence Resource Management , LLC contacted me through email with a debt Validation Notice notifying me on an attempt to collect the same debt. 

On XX/XX/XXXX I contacted Credence Resource Management , LLC through email stating : Reference XXXX XXXX Your company could not provide documentation/contract bearing my signature that obligates me to this debt your company says I owe earlier this year. Yet the company continues to try and report to the credit bureaus. 
From my understanding, this might be violation of law and should be reported to the CFPB or FTC. 

I also sent another dispute letter requesting for the same documents to verify the alleged debt in my previous dispute letters. 

On XX/XX/XXXX Credence Resource Management , LLC contacted me through email stating that : We received your dispute on account number ending XXXX. We have investigated your dispute in coordination with XXXX XXXX XXXX XXXX and verified that the charges on your account are valid. 
Again with no documentation I requested in my original dispute letters for verification.

Company response to consumer: Closed with non-monetary relief