Consumer complaint received 2023-11-30
Company: Kriya Capital, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The XXXX XXXX XXXX XXXX collection first appeared on my credit report in XX/XX/XXXX by Credence Debt Collection Agency. I immediately contacted the phone number listed on the report. I was informed that the account was opened in my name in XXXX, XXXX in XX/XX/XXXX. I lived in XXXX, XXXX at the time and was in the process of relocating to XXXX  due to XXXX XXXX. I advised the customer service representative that I did not open or authorize the opening of said account. I asked the representative what documentation was used to determine I was the individual requesting the account. She said accounts opened online at that time requested no proof of identity. She explained that I could pay the balance in full with her but there was nothing else she could do. I hung up and drove to an XXXX XXXX XXXX XXXX location in XXXX California. The representative at the store had no record of an account in my name using my XXXX  drivers license. He advised me to contact the fraud department. I called the XXXX XXXX XXXX fraud number but it only included an automated message which provided no real help or resolution to my problem. I disputed the collection and it was removed from my credit report in XX/XX/XXXX. Credence again added the collection to my credit report in XX/XX/XXXX. I reached out again and was emailed a fraud packet on XX/XX/XXXX requesting proof of residency between XXXX and XX/XX/XXXX. I returned the complete fraud packet on XX/XX/XXXX, including all requested information and supporting documentation such as my California leasing agreement and utility bills. My fraud claim was denied by Credence citing there was not enough evidence to support my claim. I again filed a dispute and the collection was removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX added the collection to my credit report. I called the listed number and was informed that they simply report and collect debts. I was told to file another fraud claim and hope the issue gets resolved. I asked for all information associated with the account to include the account number, service address, phone number, and email address listed in the file. I called XXXX XXXX XXXX provided this information in an attempt to determine who could have opened this account. They were unable to help me because I could not provide the account pin, security answer, or answer the phone number listed on the account. I asked to speak with someone in the fraud department and was disconnect from the call. No one ever called me back. I then filed a formal Identity Theft Police Report in XXXX XXXX XXXX which was accepted under the Reference NumberXXXX. I am awaiting a follow up to this report, but have grown tired of simply disputing this collection annually. I am seeking to have this error remedied and pursue legal action against XXXX XXXX XXXX XXXXor aiding fraudulent activity in my name as well as the creditors for harassment, slander, intimidation, and violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief