CFPB COMPLAINT DATABASE
883 real consumer complaints filed against Kriya Capital, LLC at the Consumer Financial Protection Bureau in the last 12 months. 883 received relief from the company. Median federal response time: 15 days.
The 30 most recent complaints against Kriya Capital, LLC where the consumer chose to publish their narrative.
Someone is using my info and opened this account I never had XXXX and they keep adding this to my credit report I never heard of CREDENCE RESOURCE MANAGE also I never got a letter of a debt validation with my wet signature, indicating that I was the one that opened up the account with XXXX XXXX XXXX, which I never did
Received text message but no information to what the debt was for. Had to look up the business online to get number to call. Would not give information about the debt until an abundance of personal information was shared including social security number. Reps only repeated information about what they needed and did not give any information to where the debt came from. Unacceptable! Never received any correspondence by mail only text which made the entire issue look suspicious. They need better services for the customer.
Validation of Debt Request - CREDENCE RESOURCE MA - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.
To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). You are hereby directed to cease and desist from any and all communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, communication by telephone, email, text message, written correspondence, or through third parties. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the debt collector must comply, except to advise that collection efforts are being terminated or that specific legal action may be taken. Any further communication from you, outside of what is expressly permitted by law, will constitute a violation of the FDCPA and may result in legal action being taken against you, including the pursuit of statutory damages, actual damages, and attorneys fees.…
I am filing a complaint against the credit reporting agencies for failure to comply with the Fair Credit Reporting Act. I have disputed inaccurate accounts multiple times. The accounts remain on my report without proper verification. These actions violate : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) The following accounts must be deleted : Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there are unauthorized inquiries on my report that violate 15 U.S.C. 1681b. I am requesting : Immediate deletion of all unverifiable accounts Removal of unauthorized inquiries Failure to resolve this matter will result in legal action.
Credence Resource management LLC is attempting to collect a debt for XXXXXXXX XXXX. They claim I owe an early termination fee. I was never made aware of any early termination fees, never signed any contracts or did anything to imply I would pay an early termination fee. I cancelled their service and not only did they charge my card without my consent a partial early termination fee they billed me for more. They have now sent this to Credence. I requested a copy of any contract signed by me multiple times. The dates of these requests are as follows : XXXX, XXXX, and XXXX. They respond back without any type of contract and just send me bills from XXXX XXXX. I am not disputing that dish network is billing me, I am disputing that the bills are attempting to collect a fee for something I never agreed to. Credence refuses to properly address this with evidence and is continually damaging my credit score.
I've tried multiple times to have this account verified. This debt is not owed, I'm completely unaware of this debt. And I have never been provided with this debt 's origination date, the reason it originated, or proof that this is even my debt. I have never had any knowledge of this debt and have disputed its validity multiple times. Please verify, and remove this derogatory account from my credit reports.
Validation of Debt Request - CREDENCE RESOURCE MA - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
Validation of Debt Request - CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
To Whom It May Concern, I am writing in response to the account referenced above, which appears on my credit report. This letter is not an acknowledgment of responsibility for the debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. Proof that I am legally obligated to pay this debt 2. The name and address of the original creditor 3. The amount of the original debt and an itemization of any interest, fees, or charges added 4. A copy of the original contract or agreement bearing my signature 5. Proof that your agency has the legal authority to collect this debt 6. The date of the original delinquency Until this information is provided, I request that all collection activity cease and that this account not be reported, or be removed, from any credit reporting agencies.…
Validation of Debt Request - CREDENCE RM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit report. On XX/XX/XXXX, I sent certified dispute letters to all credit bureaus and Credence Resource Management requesting validation of an alleged debt. To date, I have not received proper validation of this debt. Additionally, the address associated with Credence Resource Management ( XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ) appears to be a vacant or non-operational location, raising serious concerns about the legitimacy and verifiability of this account. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. This account has not been properly validated and is therefore in violation of FCRA XXXX. I am requesting : XXXX. Immediate deletion of this account from my credit report XXXX. Written confirmation of the deletion XXXX.…
Dear Sir or Madam, I am submitting this complaint regarding inaccurate credit reporting and failure to validate an alleged debt. I previously disputed the following account with XX/XX/XXXX and directly with Credence Resource Management : Creditor : Credence Resource Management Original Creditor : XX/XX/XXXXBalance : {$2400.00} Date Opened : XX/XX/XXXX I do not recognize this account and formally requested validation of the debt. On XX/XX/XXXX, I sent a written request to Credence Resource Management requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), including proof of the original agreement, proof of liability, and documentation supporting the amount claimed. To date, I have received no response. Despite this, the account continues to be reported on my credit file by XX/XX/XXXX.
I received a letter dated XX/XX/XXXX in the mail on XX/XX/XXXX from " Credence Resource Management '' On XX/XX/XXXX prior to any conversation with me via telephone, this company already placed a Derogatory Mark on all my credit bureaus. Debt collectors can update the account ( like showing its been sold ), but they can not change the original date, this debit according to them occurred in XXXX?. As of today XX/XX/XXXX they have yet to provide " PROOF '' this debit even belongs to me. What they are NOT allowed to do : Re-age the debt : They can not change the date of first delinquency to make it look newer. They stated to all 3 credit bureau this debit is only XXXX months old. ) Restart the XXXX clock : Under FCRA, most debts fall off your credit report XXXX years from the original delinquency date, not when a collector buys it. Report inaccurate info : If theyre listing it as a XXXX delinquency when its really from XXXX, thats a BIG RED FLAG!…
Formal Dispute : Notice of Lack of Capacity ( Minor Status ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Fraudulent Account To Whom It May Concern, I am writing to formally dispute the above-referenced account appearing on my credit report. This account is inaccurate and should be deleted immediately. I am disputing this account ( XXXX ) because it was opened when I was a minor. While the exact date is not provided on my credit report, any account opened in my name prior to XXXX is legally invalid due to my lack of capacity to contract as a minor under New Jersey XXXX XXXX '' Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of the information you report. Since a contract with a minor is void or voidable, this debt is legally unenforceable against me. I am willing to attach legal documents to prove I was a minor.…
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute - XXXX XXXX Account To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute inaccurate information appearing on my XXXX credit report. The following account is listed on my credit file and is incorrect : Creditor Name : XXXX XXXX - All Account Number : XXXX Balance Reported : {$3500.00} Account Status : Closed Charge-Off I am disputing this account because the company reporting this debt is a third-party and not the original creditor. I do not owe this third-party company any debt. The information being reported is inaccurate and must be investigated. I also have a police report as well for Identy theft case number XXXX
In approximately XX/XX/XXXX 2025, a fraudulent XXXX XXXX XXXX account was opened in my name without my knowledge or authorization. I discovered this when a collection account from Credence Resource Management appeared on my XX/XX/XXXX credit report for approximately {$220.00}. This is the XX/XX/XXXX time a fraudulent XXXX XXXX XXXX account has been opened using my personal information. The XX/XX/XXXX incident also involved a fraudulent XXXX account opened in my name, which I previously disputed and had removed. I contacted XXXX XXXX XX/XX/XXXXfraud department and was told I would need to call XXXX separately, despite XXXX having spun off from XXXX XXXX XXXX in XXXX. Neither company has taken responsibility for resolving this.…
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.
I am filing a complaint against Credence Resource Management ( XXXX, TX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/ 2026, I sent a written debt validation request regarding an alleged debt that I know I do not own. Credence received this request on XX/XX/ 2026 which was confirmed by certified mail. Credence failed to provide any validation of the debt within the required timeframe of XX/XX/XXXX days. Despite this, they continued collection activity by reporting the account to XX/XX/XXXX on or about XX/XX/2026 which is after they received my validation request. Reporting a debt to a credit bureau after receiving a validation request, without providing validation, constitutes continued collection activity and is a violation of the FDCPA. Additionally, the account is inaccurate and does not belong to me. Reporting unverified and disputed information violates the FCRA.…
Since youre dealing with CREDENCE RM, this draft is structured specifically for the CFPB XXXX to highlight their failure as a debt collector to report consistent data. Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Name : Credence Resource Management , LLC ( CREDENCE RM ) Account Number : [ Insert Account Number ] Describe What Happened I am filing this complaint against CREDENCE RM for violating the Fair Credit Reporting Act ( FCRA ) by reporting " junk data '' that is factually impossible. I have already attempted to resolve this through a direct dispute, but the company failed to correct the errors, proving they are not maintaining accurate records. The inconsistencies provided by CREDENCE RM across the XXXX major credit bureaus are irreconcilable : Impossible Status : CREDENCE RM is reporting this account as " Open '' on XXXX but " Closed '' on XXXX XXXX XXXX.…
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
I am submitting this complaint regarding Credence Resource and the reporting and collection of account XXXX. What Happened : XXXX. Credence Resource has reported an account in my name that is inaccurate, fraudulent, and unverifiable. XXXX. Despite my requests, they have failed to provide verification or proof of the debt. XXXX. I have received repeated collection attempts, including phone calls and letters, even though I am disputing the account. XXXX. This inaccurate reporting has negatively impacted my credit score and financial standing.
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX.…
Validation of Debt Request - CREDENCE RESOURCE MA - XXXX * * * * XXXX I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.
A XXXX XXXX account was opened in my name without my authorization by a sales representative. I never applied for or consented to this account, and I informed the XX/XX/XXXX representative that I did not want any new service but yet he activated it anyway. I consider my rights being violated and is identity theft. Over the past year, I have contacted XXXX multiple times requesting that this fraudulent account be removed. I was sometimes told the account had been removed, but it continues to appear on my credit report as a collection account. The account has a reported balance of {$200.00}, and it is negatively affecting my credit score. I have made no payments and never agreed to this service. I am disputing this account as fraudulent. It must be removed from my credit report immediately. It has cause great harm to me and my credit.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in
} I am filing a complaint against Credence Resource Management for deceptive practices and inaccurate credit reporting. On XX/XX/year>, I spoke with a representative from Credence Resource Management regarding a collection account. During this call, I was told that if I paid {$270.00}, the account would be settled in full and that no further action would be taken. Based on this representation, I made a payment of {$270.00} on XX/XX/year>. Despite this agreement, the company reported the account to Experian on or about XX/XX/year>. This directly contradicts what I was told prior to making the payment. I have proof of payment and a recorded conversation confirming the terms of this agreement. I would not have made this payment had I known the account would still be reported. This constitutes a deceptive practice and inaccurate reporting. This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).…
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in
Validation of Debt Request - CREDENCE RESOURCE MANA - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other ins trument that created the debt. 4. Verification that you are licensed to collect debts in.
I am formally disputing a collection account in the amount of {$410.00} currently being reported on my credit file. I have already contacted the debt collector on XX/XX/year> regarding this account including a certified letter. They failed to provide any verification or documentation to substantiate the alleged debt. As such, this account remains unverified and inaccurate. Under the Fair Credit Reporting Act, specifically 15 U.S.C. XXXX, all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. Reporting a debt that can not be verified constitutes a serious violation of federal law. Additionally, under the Fair Debt Collection Practices Act, a debt collector is prohibited from continuing collection activity or reporting a debt without proper validation.…
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