Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
RE : URGENT DISPUTE OF INACCURATE REPORTING & DEMAND FOR FULL DEBT VALIDATION XXXX DATA BREACH IMPACT To Whom It May Concern, This letter serves as a formal dispute and debt validation request regarding inaccurate and unverifiable information reported on my credit file. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand immediate legal compliance and full resolution. 



I. DISPUTED ACCOUNTS Credence RM Account No : XXXX Date Reported : XX/XX/2024 These accounts are being reported without proper legal validation, and in light of the fact that my personal identifying information was compromised in the XXXX data breach, I am demanding enhanced due diligence and immediate compliance with federal consumer protection laws. 



II. FEDERAL VIOLATIONS AND STATUTORY RIGHTS 1. FCRA 15 U.S.C. 1681i Reinvestigation of Disputed Information I demand a full reinvestigation of these accounts. If you are unable to verify them with original documentation from the original creditor within 30 days, they must be immediately deleted from all of my credit reports.

2. FCRA 15 U.S.C. 1681b Permissible Purpose You are legally required to ensure that all entities who report or access my credit file had a permissible purpose to do so. I demand documented evidence showing how this legal standard was met for each disputed account.

3. FCRA 15 U.S.C. 1681s-2 Duties of Furnishers Any entity reporting to the credit bureaus must ensure complete and accurate reporting. Any unverifiable or inaccurate data must be promptly corrected or permanently deleted.

4. FCRA 15 U.S.C. 1681 ( a ) Congressional Findings and Intent Congress has made clear that the FCRA was designed to ensure accuracy, fairness, and confidentiality of consumer information. Given the breach of my personal information by Equifax, continuing to report unverifiable debt violates the intent and protections of this law.

III. DEBT VALIDATION DEMAND FDCPA 1692g To any debt collector or data furnisher reporting the above-referenced accounts ( including but not limited to XXXX XXXX XXXX and Credence RM ), I am demanding validation under FDCPA 15 U.S.C. 1692g. Specifically, I am requesting : 1. A full itemized breakdown of any and all payments you claim were made by me.

2. A copy of the original signed contract or agreement establishing a legal obligation to pay.

3. Documentation proving whether any insurance claim has been filed or paid on this account.

4. A complete and unbroken chain of title verifying your legal authority to collect or report this debt.

5. A signed and notarized statement from the original creditor verifying the debts legitimacy.

Until these documents are provided, you are prohibited by law from collecting or reporting this debt.

IV. DEMAND FOR REMOVAL & LEGAL CONSEQUENCES OF NON-COMPLIANCE If you do not : Delete unverifiable accounts, Validate the debts in full as required by law, Provide documented proof of permissible purpose, then I will take the following actions without further notice : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Maryland Attorney General ; Pursue legal action for willful and/or negligent noncompliance under : FCRA 1681n ( Willful Noncompliance ) FCRA 1681o ( Negligent Noncompliance ) FDCPA 1692k ( Civil Liability ) You may be liable for statutory damages, actual damages, legal fees, and punitive damages. 



V. FINAL NOTICE Given the exposure of my personal data in the XXXX breach, you are under heightened obligation to investigate these claims with extreme care. If no complete and verifiable documentation is provided within 30 calendar days, you must : Permanently remove the accounts from my credit report Cease all reporting and collection activity Provide confirmation in writing to my address and email Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief