Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX that I had " received a major derogatory mark on XXXX of my accounts. '' I logged into my XXXX XXXX app and clicked on the alert via XXXX XXXX that shows the derogatory mark from Lender " Credence Resource Management Account Number : XXXX ... '' I immediately knew I did not recognize this company. I googled their customer service number and contact them at XXXX. I was told by the rep there that they were a debt collection agency attempting to collect a debt for an XXXX XXXX XXXX XXXX service that was started XX/XX/XXXX and terminated XX/XX/XXXX. There is an unpaid balance of about {$130.00} dollars that had gone into collections under my SSN. I was told that the service was under address XXXX XXXX XXXXXXXX XXXX XXXX XXXX and under email XXXX. Both the address and email address are unknown to me. I have no idea who this information belongs to and how they would have obtained my information to open an account. I have since put credit XXXX  on my credit file through XXXX, XXXX, and XXXX. On XX/XX/XXXX at XXXX, I met with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) to file a police report on identity theft. I was provided with a report number : XXXX. Within about a week and a half, I was mailed an Identity Theft Packet to complete and mail back to XXXX XXXX XXXX XXXX team to investigate. On a letter from XXXX XXXX XXXX dated XX/XX/XXXX, I was informed that I was not liable for that debt and that all agencies would be information and the matter would be removed from my credit report. Then, I received a letter dated XX/XX/XXXX, from Credence Resource Management that showed a DIFFERENT XXXX XXXX XXXX XXXX account number with a different balance that had gone to collections. I attempted to contact Credence would said I would have to reach out to XXXX XXXX XXXX  to fill out the Identity Theft Packet, which I have already gone through great lengths to complete ( including driver 's license, completing and notarizing the form, filing a police report, including statements showing my current address and address during time of fraudulent service ). I was told there was nothing Credence could do and I would have to reach out to XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX customer service and their " fraud team '' countless times in the following days. I spent hours on the phone being passed from representative to representative and from automated system to automated system. XXXX repeatedly stated they wouldn't be able to assist me because I couldn't provide them with a passcode to the account. Which I obviously would not have as I did not authorize or have knowledge about the account openings. I jumped from representative to representatives making false promises of understanding my frustrations and getting a hold of a live person to address my concerns, only to be sent to the endless cycle of the automated system. I finally was able to get hold of a XXXX who said that the only way to contact the XXXX team would be through the phone number that leads to the automated system. I went through the automated system at least XXXX times. Once I was able to leave a voicemail and someone would call me back within XXXX hours. That never happened. Once I was told to provide a claim number, which I did and then the automated system stated my issue was resolved, but never was. I was told that the automated system would be my only method of resolution. This is ridiculous considering someone was easily able to open multiple accounts under my information so easily. And as a victim of fraud I have to spend countless days and hours trying to figure out what accounts are open fraudulently under my SSN so that I can provide information required to resolve. I have lost countless hours and been under so much stress to resolve this that clearly noone seems to care about, except me.

Company response to consumer: Closed with non-monetary relief