Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Credence Resource Management , LLC XXXX XXXX XXXX XXXX, MI XXXX Re : Dispute of Alleged Debt Credence Reference # XXXX NOTICE OF FORMAL DISPUTE & DEMAND FOR VALIDATION To Whom It XXXX Concern : I am in receipt of your letter dated XX/XX/year>, regarding an alleged XXXX account in the amount of {$1200.00}. I dispute this debt in its entirety, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Pursuant to federal law, you must : Provide full validation of this alleged debt, including but not limited to : A copy of the original signed contract or agreement bearing my signature ; A complete account history showing all charges, payments, and credits ; Proof of your legal standing and assignment from the original creditor ( bill of sale is insufficient by law ) ; The name and address of the original creditor.

Cease all collection activity until such validation is properly provided. Reporting unvalidated or fraudulent debts to any credit bureau violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s2. 
FRAUDULENT ACCOUNT DISPUTE This account is not mine and appears to be the result of fraud/identity theft. Under the Fair Credit Reporting Act, 15 U.S.C. 1681c2, once I notify you and the credit bureaus, you are required to block all fraudulent information from my file.

I have already disputed this matter with TransUnion and Equifax, and they are conducting reinvestigations pursuant to FCRA 1681i. You are now on legal notice that continued reporting of this account may result in civil liability. 
LEGAL WARNINGS Under the FDCPA 807, it is unlawful to misrepresent the character, amount, or legal status of a debt.

Under the FDCPA 808, you may not attempt to collect amounts not authorized by law or contract ( including {$160.00} in unexplained fees ).

Under the FCRA, you may not furnish inaccurate or disputed information to any consumer reporting agency. 
Under the XXXX XXXX XXXX XXXX, you are obligated to investigate identity theft indicators. 
DEMAND I demand that : You immediately cease collection activity until full validation is provided. 
You notify TransUnion, Equifax, and Experian to remove or suppress reporting of this account pending investigation. 
You provide written confirmation within 30 days of your compliance. 
Failure to comply will leave me no choice but to pursue remedies with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New Jersey Attorney XXXX XXXX, and to consider a private civil action for damages, attorneys fees, and costs under XXXX U.S.C. XXXX. 
Sincerely, XXXX XXXX Next Steps : Mail this letter certified mail, return receipt requested to Credence Resource Management , LLC. 
Also upload/send a copy to TransUnion and Equifax as XXXX of your fraud dispute ( so they see it is under FDCPA/FCRA challenge ). 
Keep copies of everything.

Company response to consumer: Closed with non-monetary relief