Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I. Party CREDENCE RESOURCES MANAGEMENT failed to properly investigate disputes, fails to provide required disclosures, and engages in willful or negligent conduct leading to inaccuracies or improper use of credit information. This matter has been handled improperly. This debt is owed XX/XX/2025 I have asked not to be contacted as to is not my debt. 

1. 15 U.S. Code 1692c ( c ) Ceasing Communication 15 U.S. Code 1692e False or Misleading Representations 2. FCRA : 15 U.S. Code 1681c ( a ) ( 4 ) Obsolete Information 15 U.S. Code 1681b Permissible purposes of consumer reports 15 U.S. Code 1681e ( b ) Reasonable Procedures for Accuracy 3. Discrepancies Between Credit BureausMaterial discrepancies exist in how this same account is reported to XXXX XXXX XXXX XXXX, which supports the claim of negligent or willful misconduct.

4. Violation of FCRA & FDCPA Rights a. 15 U.S.C. 1692e False or Misleading Representations b. 15 U.S.C. 1692c ( c ) Ceasing Communication ( if youve requested them to stop contacting you ) c. 15 U.S.C. 1681b No permissible purpose to access or share my consumer report without written authorization 5. Inaccurate Unauthorized Accounts Without Permissible Purpose All accounts not associated with an active, open, and legally authorized account belonging to Yolanda L. Scott must be removed immediately. These violate : * 15 U.S.C. 1681b ( f ) Impermissible Use of Credit Reports * 15 U.S.C. 1681n and 1681o Civil Liability for Willful and Negligent Noncompliance II. DEMAND FOR RELIEF I hereby demand the following remedies : 1. Immediate and Permanent Removal of the subject account from all credit reporting agencies due to unlawful, inaccurate, and misleading reporting.

2. Deletion of All Unauthorized Account not connected to an open, registered, and legally authorized account under my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).

3. Actual Damages in the amount of {$25000.00} under : * FCRA : 15 U.S.C. 1681o ( a ) ( 1 ) for negligent noncompliance * FDCPA : 15 U.S.C. 1692k ( a ) ( 1 ) for damages sustained 4. Statutory Damages of {$1000.00} per willful violation, as permitted by : * FCRA : 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) * FDCPA : 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) 5. Punitive Damages under : * FCRA : 15 U.S.C. 1681n ( a ) ( 2 ) due to willful violations, misrepresentation, and intentional misconduct 7. Attorneys Fees and Costs as permitted under both Acts should this matter proceed to litigation.

III. FINAL NOTICE NOTICE : FAILURE TO TAKE NECESSARY LEGAL ACTION OR TO RESPOND TO THIS DEMAND WITHIN 15 CALENDAR DAYS WILL RESULT IN A FORMAL LAWSUIT BEING FILED AGAINST XXXX XXXX XXXX XXXX. 
NOTICE : THE EVIDENCE PROVIDED HERE WILL BE INTRODUCED AS EVIDENCE IN MY LAWSUIT IF A FAIR COHERENT RESOLUTION IS NOT DETERMINED. 

I expect a formal response addressing each of the above points, and documentation showing removal and corrections within the specified timeframe.

Company response to consumer: Closed with non-monetary relief