Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Complainant : XXXX XXXX Date : XX/XX/XXXX Debt Collector/Furnisher : Credence RM Original Creditor : XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX  Amount in Dispute : {$150.00} Credit Bureaus Reporting : TransUnion ( as of XX/XX/XXXX ) Dispute Status : FALSELY marked Account not disputed Summary of Violations Committed by Credence RM I am filing this complaint because Credence RM is unlawfully furnishing inaccurate, unverified, and damaging information to the credit reporting agency TransUnion in direct violation of multiple federal statutes, including : Applicable Laws and Violations : XXXX. FCRA XXXX ( a ) ( XXXX ) : Failure to Mark Account as Disputed Despite my previous communications disputing this account, Credence RM has falsely reported the status as Account not disputed. This is a clear violation of federal law, which mandates that any furnisher must mark an account as disputed once they have received notice. 
XXXX. FDCPA XXXX ( b ) [ 15 USC XXXX ( b ) ] : Failure to Validate Debt Upon Request I have not been provided any legally mandated documentation validating the existence, ownership, or enforceability of this {$150.00} debt. There is no signed contract, bill of sale, or itemized breakdown. 
XXXX. FCRA XXXX ( XXXX ) ( XXXX ) ( XXXX ) : Failure to Reinvestigate After Dispute Credence RM has not conducted a reinvestigation as required. They continue to furnish this data to TransUnion without verifying the accuracy or legitimacy of the tradeline. 
XXXX. FCRA XXXX and XXXX : Willful and Negligent Noncompliance The continuation of this account reporting despite disputes, and without verification, constitutes both negligent and willful violations under the FCRA entitling me to damages. 
XXXX. FDCPA XXXX [ 15 USC XXXXe ] : Misrepresentation of Debt Status The derogatory Collection/Charge-off status suggests the debt is valid and due, when Credence RM has not proven this to be true. This constitutes deceptive representation of the debts legal status. 
XXXX. FCRA XXXX : No Permissible Purpose Proven Credence RM has not proven that it accessed or reported this debt with a legally permissible purpose under the FCRA, especially given the age and dispute status of the account. 
Account Summary ( as reported ) Original Creditor : XXXX XXXX XXXX  Debt Collector : Credence RM Balance : {$150.00} Date Opened : XX/XX/XXXX Date Verified & Reported : XX/XX/XXXX Account Status : Open Collection/Charge-Off Dispute Status ( False ) : Account not disputed Creditor Remarks : Placed for collection Credit Bureau : TransUnion ( only ) Harm and Impact : Significant drop in credit score ( TransUnion : XXXX ) Rejection for financial opportunities Emotional and reputational damage Reporting of inaccurate and unverified data Damage to housing and lending eligibility I respectfully request the following corrective actions : Immediate removal of this account from my TransUnion credit file Full investigation into Credence RMs FCRA and FDCPA violations Civil penalties and enforcement for unlawful furnishing of data Mandatory documentation proving debt ownership and itemization Update all future data furnishings to reflect dispute status Provide me with written confirmation of all actions taken Credence RM is knowingly reporting unverified, unvalidated, and false information to TransUnion, in violation of both consumer reporting and collection laws. Their failure to mark my account as disputed and refusal to provide validation violates my legal protections under the FCRA and FDCPA. 
This matter requires enforcement-level review and immediate deletion of the tradeline. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief