Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
COMPLAINT AGAINST : XXXX XXXX XXXX XXXX  I am filing a formal complaint because all three credit bureaus are reporting inaccurate, unauthorized, and unverifiable information on my credit file. My personal information has been exposed in multiple data breaches, and I am now a victim of identity theft. 

Because of this, accounts, collections, and hard inquiries that I did NOT authorize have appeared on my credit reports. The bureaus have not properly removed or blocked these items as required under the FCRA.

1. FCRA 605B IDENTITY THEFT BLOCK ( 4-DAY REQUIREMENT ) Under FCRA 605B ( 15 USC 1681c-2 ), when a consumer provides an identity theft report, the credit bureaus must block fraudulent information within 4 business days.

I submitted an identity theft claim and documentation, yet the items remain.

This is a direct violation of FCRA 605B ( a ), ( b ), and ( d ).

2. FCRA 1681i FAILURE TO REINVESTIGATE WITHIN 30 DAYS I requested reinvestigations, and the bureaus failed to : Properly verify the accounts Provide the method of verification Remove unverifiable information This violates FCRA 1681i ( Reinvestigation of Disputed Information ).

3. FCRA 1681e ( b ) FAILURE TO MAINTAIN ACCURATE & COMPLETE FILES The bureaus are reporting : Wrong addresses Wrong personal information Unauthorized inquiries Unverified collection accounts This violates FCRA 1681e ( b ) which requires maximum possible accuracy.

4. FCRA 1681b ( a ) ( 2 ) UNAUTHORIZED HARD INQUIRIES A consumer report can not be accessed without my written permission. 
I did NOT authorize the following inquiries reported by the bureaus : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX multiple dates XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> & others XXXX XXXXXXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and others. 

None of these inquiries have written authorization. 
This violates FCRA 1681b ( a ) ( 2 ).

5. FDCPA 1692g FAILURE TO VALIDATE DEBT I never received validation for the following collection accounts : Credence Resource Management {$1900.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} These collectors did not provide a validation notice nor proof the debts are mine, violating FDCPA 1692g ( a ) ( 1 ) - ( 5 ).

6. FDCPA 1692c & 1692b THIRD-PARTY COMMUNICATION VIOLATIONS Collectors reported and communicated information without proper validation or notice, which violates : 1692c ( a ) ( 2 ) improper communication 1692b improper third-party disclosure 7. Failure to Remove Incorrect Personal Information The bureaus are still reporting : Previous addresses Incorrect phone numbers Wrong or duplicate name variations Under FCRA 1681e ( b ), they must report only accurate identifying information. 

My ONLY correct information is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX OH XXXX XXXX. Items Are Unverified, Fraudulent, or Result of Data Breaches My information has been exposed through multiple data breaches, which I documented. Because of this exposure, fraudulent accounts and inquiries have appeared on my file. The bureaus did not properly block or remove these items. 



DEMAND FOR ACTION ( Under Federal Law ) I am requesting CFPB assistance to enforce : 1. FCRA 605B 4-day identity theft block 2. FCRA 1681i proper reinvestigation 3. FCRA 1681e ( b ) correction of personal info 4. FCRA 1681b ( a ) ( 2 ) removal of unauthorized inquiries 5. FDCPA 1692g deletion of unvalidated collection accounts 6. Removal of all unverifiable and fraudulent items 7. Issuance of updated credit reports from all bureaus The items being reported are causing financial harm, affecting my ability to obtain housing, transportation, and credit. 



I declare the above statements are true and accurate. 
I also just moved to XXXX XXXX XXXX XXXX XXXX XXXX Ohio but I receive mail at both

Company response to consumer: Closed with non-monetary relief