Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Regarding XXXX XXXX XXXX and Credence Resource Management To Whom It May Concern, I am filing this complaint to document a pattern of mishandling, misinformation, improper debt reporting, and suspicious activity involving XXXX XXXX XXXX and the debt collection agency Credence Resource Management. 

Background & Original Issue I was previously an XXXX XXXX XXXX customer with XXXX device balances remaining when I switched my service to XXXX. During that period, my email and account information were compromised, and I experienced significant security issues. Because of this, I decided to discontinue my XXXX XXXX XXXX service. 

During my communications with AT & T regarding the final balances, an XXXX XXXX XXXX agent explicitly informed me that the remaining device balances would be written off due to the circumstances surrounding the breach and the issues with my account. Based on that confirmation, I understood the matter to be resolved. 

XXXX XXXX  XXXX Reversal and Improper Transfer to Collections Despite the agents confirmation, XXXX XXXX XXXX later reversed that decision and claimed the balances were still owed. XXXX XXXX XXXX then sold the alleged debt to a collection agency. 

I disputed the debt with the credit reporting agencies and provided documentation concerning the breach and the misinformation from XXXX XXXX XXXX. The credit bureaus removed the item from my reports, acknowledging the inconsistencies and concerns. 

Reselling the Debt After Removal Despite the item being removed, XXXX XXXX XXXX ( or the previous collection agency ) subsequently resold the same account to a new debt collector, Credence Resource Management, who then reinserted the item on my credit report. 
This raises multiple concerns : Reinsertion of previously removed information without proper certification notice, as required by the FCRA Reselling of a disputed and compromised account Failure to acknowledge prior disputes and removals Potential violation of consumer rights Suspicious and Unnecessary Requests for Sensitive Information After I disputed Credences reporting, I received mail requesting that I send them the following sensitive information : Social Security number Drivers license Additional personal identifying information This request is highly suspicious and unnecessary, considering : XXXX. Credence already has my personal information ( including my SSN and date of birth ), which is how they were able to place the account on my credit report. 


XXXX. XXXX XXXX XXXX and Credence have both acknowledged the data associated with this alleged debt. 


XXXX. Requiring more identification duplicates the risks already associated with the account breach. 



Given my prior account compromise, these demands for additional sensitive documents appear unsafe and inappropriate. 

Concerns & Possible Violations The situation raises serious concerns regarding : Fair Credit Reporting Act ( FCRA ) violations Fair Debt Collection Practices Act ( FDCPA ) violations Improper reinsertion of previously removed credit data Misinformation and mishandling by XXXX XXXX XXXX Failure to honor XXXX XXXX XXXX own agents written-off confirmation Reselling disputed and compromised account information Potential consumer data security risks Thank you for your attention to this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief