Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
As of XX/XX/year> I, XXXX XXXX XXXX pulled my consumer reports from XXXX XXXX XXXX XXXX and I noticed that I have unauthorized Collection Accounts as well as unverified late payments on my Consumer Report 's from XXXX XXXX Financial institution. I've never given XXXX XXXX consent to report adverse information to damage my consumer eligibility. The XXXX XXXX account is reporting inconsistently across all three consumer reporting agencies thus violating 15 United States code 1681 s-2 ( a ) ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting as one - 30 day late and the report states that I have 50 % on time payment history on my consumer reports which is grossly inaccurate. 
XXXX XXXX XXXX Notice, it is a fact, I XXXX XXXX XXXX XXXX the affiant did not consent to communicate with this XXXX XXXX more than our initial point of contact. I did not contract with XXXX XXXX XXXX nor did I request to have XXXX XXXX XXXX contact me back. I was contacted numerous times and have proof in Uploaded Exhibit that this behavior by XXXX XXXX XXXX, as a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that affiant, XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XXXX XXXX XXXX has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Amount of- {$180.00} Notice, it is a fact that affiant, XXXX XXXX XXXX XXXX aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XXXX XXXX XXXX has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
XXXX XXXX XXXX Account # - XXXX / Amount - XXXX / Collection Account- Notice, it is a fact, I, XXXX XXXX XXXX the affiant did not consent to communicate with this XXXX XXXX XXXX  more than our initial point of contact. I did not contract with XXXX XXXX XXXX nor did I request to have XXXX XXXX XXXX XXXXontact me back. I was contacted numerous times and have proof in Uploaded EXHIBIT that this behavior by XXXX XXXX XXXX, as a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that, XXXX XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XXXX XXXX XXXX has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
CREDENCE RESOURCE MANAGEMENT - Account # XXXX / Amount - {$1100.00} & Account # XXXX / Amount- {$250.00}. Notice, it is a fact, I, XXXX XXXX XXXX the affiant did not consent to communicate with this CREDENCE RESOURCE MANAGEMENT more than our initial point of contact. I did not contract with CREDENCE RESOURCE MANAGEMENT nor did I request to have CREDENCE RESOURCE MANAGEMENT contact me back. I was contacted numerous times and have proof in Uploaded Exhibit that this behavior by CREDENCE RESOURCE MANAGEMENT, as a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that XXXX XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority CREDENCE RESOURCE MANAGEMENT has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately.

Company response to consumer: Closed with non-monetary relief