Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
b'Formal Complaint to the CFPB Regarding XXXX and Credence Resource Management. Subject: FCRA and FDCPA Violations  Failure to Respond and Provide Proper Debt Validation for Account #XXXX. Summary: This is a formal complaint against XXXX and Credence Resource Management for violating the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Act (FDCPA) by failing to validate a disputed collection account, failing to provide required written results of an investigation, and continuing to report inaccurate information. Details: On XXXX XXXX, 2025, I mailed a certified dispute letter to Credence Resource Management regarding an alleged debt reporting on my credit file. The creditor received the letter on XXXX XXXX 2025, via Certified Mail (Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX), and Experian received it on XXXX XXXX  2025, based on XXXX tracking number 9XXXX In accordance with:  FCRA XXXX(a)(XXXX)(A)  A consumer reporting agency must, within XXXX days of receiving a dispute, conduct a reasonable investigation to determine whether the disputed information is inaccurate.  FCRA XXXX(a)(XXXX)(B)(XXXX)  Upon completion of the investigation, the CRA is required to provide the consumer with written results.  FCRA XXXX(a)(XXXX)  If the information cannot be verified, it must be deleted from the consumers credit file. Despite the passage of more than XXXX days, I have not received any written response, results of investigation, or verification documentation from either XXXX or the creditor. However, my credit report now states that the investigation is resolved, without any accompanying written explanation or proof of investigation as required by law. Furthermore, under the FDCPA (15 U.S.C.  XXXX), a debt collector must cease collection and provide verification of the debt if the consumer disputes it in writing within XXXX days. I explicitly requested the following in my letter:  The original signed contract or agreement  A complete payment history  The name and contact info of the original creditor  Proof of the collection agencys legal right to collect  Explanation of the debt amount and itemized charges  Confirmation the debt is not time-barred  Request for cessation of collection activity until validation is complete None of these items were provided. Their failure to comply constitutes willful non-compliance with federal law. Relief Sought: I am requesting the immediate deletion of the disputed account from all credit reports due to failure to:  Respond or provide validation within XXXX days (FCRA XXXX)  Notify me in writing of the investigation results (FCRA XXXX(a)(XXXX))  Properly verify the debt (FDCPA XXXX(b)) If the CFPB determines that willful non-compliance occurred, I reserve the right to pursue statutory damages under FCRA XXXX (up to XXXX  per violation), actual damages, and attorney fees, should legal action become necessary. All certified mail receipts and a copy of my original dispute letter are available. Conclusion: XXXX  and the creditors have failed to comply with multiple provisions of the FCRA and FDCPA. They are continuing to report inaccurate and unverified information, causing ongoing damage to my credit profile. I request the CFPB to take immediate action to enforce the deletion of this account and ensure proper compliance moving forward.'

Company response to consumer: Closed with non-monetary relief