Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
XX/XX/year> Issue : Inaccurate credit reporting and deceptive debt collection practices Company Reported Against : XXXX ( Original Creditor ) Credence Resource Management ( Collection Agency, XXXX ) Complaint Narrative : I am disputing a XXXX  collection account in the amount of {$870.00} that is being inaccurately reported across all three major credit bureaus. The reported open dates and collection dates differ between bureaus, violating the Fair Credit Reporting Act ( FCRA ) requirement for accurate and consistent reporting. 
I contacted Credence Resource Management ( CRM ) at XXXX. During my call, the representative admitted that there were multiple inaccuracies in the way the account is reported. However, instead of correcting the errors, they engaged in the following practices : Initially demanded {$660.00}, then reduced it to {$270.00}, offering a split payment plan. 
Required me to make a {$1.00} test payment via a text link from XXXX, which processed under XXXX XXXX XXXX on my bank statement. This was presented as a requirement to see if I qualified for their program. 
Promised that if I paid, they would remove this XXXX collection, all other collections ( including ones not owned by them ), and four hard inquiries from my credit report. 
The representative also pulled up other debts not owned by them ( specifically XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, attached from my credit report ) and stated that those accounts had multiple inaccuracies as well, while suggesting they could arrange for their removal. 
This is deceptive and unlawful for several reasons : A collection agency can not remove hard inquiries. 
A collection agency can not remove debts it does not own or service. 
Requiring a {$1.00} eligibility payment through a text link is not a legitimate collection practice and appears designed to improperly obtain payment information or enroll me in a monitoring service. 
Admitting reporting inaccuracies but still attempting collection violates the FDCPA and FCRA. 
Additionally, this debt itself is invalid. When I switched to XXXX, XXXX paid off my XXXX phone balance directly. XXXX also improperly billed me for two lines when I only had one, which caused this disputed balance. 

I am requesting : 1.Removal of this inaccurate collection account from all three credit bureaus.

2.An investigation into Credence Resource Managements deceptive settlement practices. 
3.An investigation into their requirement of a {$1.00} test payment processed through XXXX XXXX XXXXXXXX XXXX 
4.An investigation into their statements regarding other accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which they do not own, but claimed contained inaccuracies they could fix. 
5.Correction of my credit reports to reflect only accurate and verified information. 
Supporting Documents I Can Provide : Screenshot of {$1.00} charge processed as XXXX XXXX XXXX. 
XXXX payoff confirmation. 
XXXX billing records showing one line of service. 
Screenshots of credit reports showing inconsistent reporting. 
Screenshots of other accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) that the collector referenced during the call. 
Notes of my call with Credence Resource Management at XXXX.

Company response to consumer: Closed with non-monetary relief