Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX IL XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Against Credence Resource Management Disputed Collection Account ( Account Ending XXXX ) To Whom It May Concern, I am writing to file a formal complaint against Credence Resource Management, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, for illegally reporting an unverified collection account to my consumer report. I am disputing all alleged debt they claim I owe, and I am requesting the CFPB to investigate multiple violations of federal consumer protection laws. 


XXXX. Failure to Provide Required Validation Information 12 CFR 1006.34 ( b ) ( 5 ) The collection agency has not provided any validation information, including itemization, original creditor information, or proof of ownership of the alleged debt. 
Despite failing to provide this required validation, they proceeded to report the account to the consumer reporting agencies. This is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ). 


XXXX. No Opportunity Given to Dispute the Alleged Debt 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I was never provided notice or given the legally required opportunity to dispute the alleged debt before it was furnished to my credit report.

This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which mandates that consumers must be given a meaningful chance to dispute before reporting occurs. 



XXXX. Use of False, Misleading, and Deceptive Collection Practices The actions taken by Credence Resource Management amount to false, misleading, and deceptive means to collect an unverified debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
They reported information before validating anything, misrepresenting the status and accuracy of the alleged debt. 



XXXX. Unauthorized Furnishing of Information 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( 7 ) ( A ) Credence Resource Management has no authority to furnish this account to any consumer reporting agencies without providing all disclosures required by law.

Their actions violate : 12 CFR 1006.34 ( d ) ( requirement of disclosures before reporting ), and 15 USC 1681s-2 ( 7 ) ( A ) ( furnishers must ensure proper procedure and accuracy when reporting information ). 

Because they failed to comply with these requirements, the reporting of this account is unlawful. 



XXXX. Formal Dispute of All Alleged Debt I am formally disputing the entire alleged debt. 
No proper validation, documentation, or evidence has been provided to establish that I owe any amount or that this agency has legal standing to collect it. 



XXXX. Revocation of Communication Consent I hereby revoke all rights for Credence Resource Management to communicate with me via : Email Text message Any electronic method All communication must be by mail only at the address listed above. 



Requested Action by the CFPB I respectfully request that the Consumer Financial Protection Bureau : XXXX. Conduct a full investigation into the violations committed by Credence Resource Management. 
XXXX. Require the immediate removal of the illegally reported collection account from all consumer reporting agencies. 
XXXX. Ensure the company ceases all deceptive and unlawful collection activities. 
XXXX. Confirm that all future communications from the collection agency follow federal law and my communication preferences. 


Thank you for your time and attention to this matter. I look forward to your investigation and a resolution consistent with federal regulations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief