Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint because Credence Resource Management , LLC continues to report and attempt to collect a debt that has not been properly validated. This complaint follows XXXX previous complaints filed with the Consumer Financial Protection Bureau : Complaint No. XXXX Submitted XX/XX/year> Complaint No. XXXX Submitted XX/XX/year> Despite these complaints and multiple disputes with XXXX, Credence Resource Management continues to claim that the alleged debt has been validated. However, the documentation they provided does not constitute proper validation under the Fair Debt Collection Practices Act ( FDCPA ). The only documentation provided is a billing statement from XXXX XXXX XXXX. A billing statement does not prove that I entered into a legally binding agreement, nor does it establish that Credence Resource Management has the legal authority to collect this debt. Credence has failed to provide the following critical documentation : A signed service agreement or contract showing my acceptance of the alleged account Evidence demonstrating that I personally opened or authorized the account A full itemized accounting explaining how the balance of {$5400.00} was calculated Documentation showing the chain of assignment or authorization giving Credence Resource Management the legal right to collect this debt Proof that the required initial debt validation notice was properly delivered to me In addition, Credence claims that the account involved XXXX wireless lines. However, the documentation they provided references only XXXX phone numbers and fails to provide any supporting records for the remaining alleged lines. This discrepancy raises serious questions regarding the accuracy and reliability of the information they are reporting. Credence also reported this account to the credit reporting agencies before providing adequate validation, which raises concerns under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of this account without proper verification is causing serious harm to my credit profile. XXXX PRE-LITIGATION NOTICE NOTICE OF DISPUTE AND DEMAND FOR PROPER VALIDATION To : Credence Resource Management , LLC Compliance Department Re : Alleged XXXX XXXX XXXX XXXX Account CRM Reference Number : XXXX Creditor : XXXX XXXX XXXX XXXX Alleged Balance : {$5400.00} This letter serves as a formal notice that I continue to dispute the alleged debt referenced above. I have previously filed complaints with the Consumer Financial Protection Bureau regarding this matter : CFPB Complaint No. XXXX Submitted XX/XX/year> CFPB Complaint No. XXXX Submitted XX/XX/year> Despite these complaints, Credence Resource Management continues to claim that the alleged debt has been validated. However, the documentation provided does not meet the legal standards required under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). The only document provided appears to be a billing statement from XXXX XXXX XXXX. A billing statement alone does not constitute proper validation of a debt and does not establish contractual liability. Under FDCPA 1692g ( b ), when a consumer disputes a debt, a debt collector must obtain and provide proper verification of the debt before continuing collection activities. The documentation provided by Credence Resource Management fails to include the following required elements : A signed agreement or contract demonstrating that I entered into a legally binding service agreement with XXXX XXXX XXXX XXXX XXXX demonstrating that I personally authorized or opened the alleged account A complete itemization explaining how the alleged balance of {$5400.00} was calculated Documentation establishing the chain of assignment or authorization granting Credence Resource Management the legal right to collect this alleged debt Proof that the initial debt validation notice was properly mailed and delivered Additionally, Credence Resource Management has stated that the account allegedly involved XXXX wireless lines. However, the documentation provided references only XXXX phone numbers and fails to provide records for the remaining alleged lines. This inconsistency raises serious concerns regarding the accuracy and reliability of the information being reported. Furthermore, by representing that the debt has been properly validated when the required documentation has not been provided, Credence Resource Management may be engaging in misleading or deceptive representations in violation of FDCPA 1692e. Additionally, under FCRA 623, any information furnished to consumer reporting agencies must be accurate and fully verifiable. Reporting a debt that can not be properly verified may constitute the furnishing of inaccurate information. At this time, the continued reporting and collection of this alleged debt is disputed and unsupported by sufficient documentation. Therefore, I am demanding that Credence Resource Management take XXXX of the following actions within fifteen ( XXXX ) days of receipt of this notice : XXXX. Provide complete and proper validation of the alleged debt, including a signed service agreement and full account documentation, or XXXX. Immediately cease collection activity and request deletion of this account from all consumer reporting agencies to which it has been reported. If this matter is not resolved and the inaccurate reporting continues, I reserve the right to pursue all available legal remedies, including but not limited to claims under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Nothing in this letter should be construed as an acknowledgment of liability for the alleged debt. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief