Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I called XXXX XXXX to inquire about current promotions. I was informed of a $ XXXX unlimited talk and text plan. During this call, I explicitly stated that I was not ready to activate service as I needed to first acquire a compatible phone for my teenage daughter or purchase a new device for myself. I clearly informed the agent that I would call back to activate once I was prepared. The agent acknowledged this and stated I would not need a SIM card, as it would be activated wirelessly. 

No service was activated on my end because I never called back. I did not have a phone for activation, and I currently receive XXXX service for my personal phone at no cost. 

Despite this, I was charged for service I never authorized, initiated, or activated. This fraudulent activation appears to be an attempt by an employee to meet a sales quota or receive a commission. 

I spoke with an XXXX agent in XX/XX/XXXX who acknowledged that the charge was erroneous and confirmed it would be removed. 

I also contacted an XXXX representative recently who could not produce any proof of service activation. This agent confirmed that there is no record of mobile service under my account since XXXX. 

I have attached screenshots of the chat conversation that reflect this confirmation and the agents inability to locate any mobile service history for XX/XX/XXXX. 

I am requesting immediate removal of this charge from my credit report under the following statutes : Requires that only accurate and verifiable information be reported to credit bureaus. This charge is neither accurate nor verifiable. 

Credence Resource Management is reporting a debt that is fraudulent and not owed, constituting deceptive practices. 

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : The unauthorized activation and reporting of this account is considered fraudulent. 

Full Investigation : I request that all recorded calls and account activity be thoroughly reviewed to identify the source of this fraudulent activation. 

I demand that this account be deleted from all three major credit bureaus ( Equifax, Experian, TransUnion ) immediately due to its fraudulent nature. 

I request written confirmation that this account has been removed from my credit reports and that no further collections will be pursued.

Cessation of All Collection Activities : Under FDCPA guidelines, I request an immediate stop to all collection efforts related to this fraudulent account.

Should this matter not be resolved promptly, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Communications Commission ( FCC ), and State Attorney General 's Office. I am also considering legal action, including a class-action lawsuit if evidence suggests this is a broader pattern of fraudulent activity by XXXX XXXX representatives XXXX 

I expect a written response within 15 days of receipt of this letter, as mandated by FCRA guidelines. Failure to respond or provide proof of my consent to this activation will confirm my position of fraud and unauthorized service.

Company response to consumer: Closed with non-monetary relief