Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Formal Demand for Resolution of Unfounded Account and Credit Reporting Issues I am writing to formally address a longstanding issue regarding an account that has been inaccurately and unjustly reported to my credit profile. For several years, I have repeatedly requested information and clarification regarding this account, which I do not recognize or have any knowledge of. Based on the limited details available, it appears this account may be associated with either XXXX XXXX XXXX or XXXX. 

Despite my efforts to resolve this matter, including submitting at least XXXX disputes via XXXX and CFPB, the account continues to resurface under different collection agencies. Each time, the disputes have resulted in the account being removed from collections, only for it to reappear under a new creditor. This cycle has now reached its fifth or sixth collection agency, causing significant and irreparable harm to my creditworthiness. 

To provide context : - I had a single low-income cable account with XXXX XXXX XXXX for a few years, which was closed upon relocating. I moved from this location. Service was cancelled. It is worth noting that XXXX XXXX XXXX failed to honor its contractual obligation during our service to provide XXXX Mbps internet speed, and I do not owe the {$150.00} being claimed. They refused to service, maintain, repair or upgrade their ancient and archaic wiring which was no longer providing appropriate service. Our internet speed was slower than XXXX dial up speeds typically used from XXXX almost XXXX  years later we shouldve been receiving the XXXX MPBS as promised at date of service. 


I have no knowledge of the basis for the charge. Despite my repeated disputes and requests for information, I have not received a clear explanation or resolution. Furthermore, I have reason to believe that the date of last activity on this account has been improperly altered or restarted, further exacerbating the damage to my credit profile. 

In light of the above, I am formally demanding the following : XXXX. A detailed explanation of the basis for this charge, including supporting documentation. 
XXXX. Confirmation of the original date of last activity on the account. 
XXXX. Immediate removal of this account from my credit profile, along with appropriate compensation for the years of financial and reputational harm caused by this unresolved matter. 

If the date of last activity has been inaccurately restarted or if you are unable to provide a legitimate explanation for this charge, I insist that this account be permanently removed from my credit report and that I be compensated for the undue damage caused to my creditworthiness by the reckless actions of company XXXX. 

Please treat this matter with the urgency it requires. I expect a written response within XXXX  days, including all requested information and a plan for resolution. Failure to address this issue promptly and with transparency will leave me no choice but to escalate the matter further, including filing complaints with relevant regulatory agencies and pursuing legal action if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief