Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Comprehensive Validation Account Number : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Dear Credence Resource Management, This letter serves as a formal dispute regarding the information you are furnishing to consumer reporting agencies ( CRAs ) concerning the alleged collection account referenced above, Account Number : XXXX, originally associated with XXXX XXXX XXXX. I am exercising my rights under both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

My XXXX  credit report ( dated [ Date of your XXXX  Report ] ) indicates that you have recently " updated '' this account as accurate, and it remains on my credit file. I vehemently disagree with this assertion. Your previous " verification '' was insufficient and did not address the fundamental inaccuracies and unverifiable elements of this account. 

I contend that the information reported on my credit report for this account is inaccurate, incomplete, and/or unverifiable. Specifically, I demand immediate and comprehensive validation and verification of the following critical details : Missing and Unverifiable Original Delinquency Date ( ODD ) : Your reporting to XXXX  XXXX, " On Record Until XX/XX/year>. '' However, your credit report entry fails to provide the Original Delinquency Date ( ODD ) of the original XXXX XXXX XXXX account. Under the FCRA, the XXXX permissible reporting period for a collection account must begin from the ODD of the original debt, not from when you acquired or opened your collection account. Without the precise and verifiable ODD from the original XXXX XXXX XXXX account, the " On Record Until '' date you report is unsubstantiated and renders the entire entry inaccurate and non-compliant with the FCRA. I demand the exact Original Delinquency Date ( ODD ) of the original XXXX XXXX XXXX XXXXccount, supported by objective records.

Insufficient Prior Verification/Reasonable Investigation : Despite my prior dispute, you have updated this account as accurate without providing the necessary comprehensive documentation or a proper explanation of how it was truly verified against my specific concerns. Your duty as a furnisher under FCRA 15 U.S.C. 1681s-2 ( b ) requires a " reasonable investigation, '' which must go beyond merely checking your own internal, potentially flawed records.

Verification of Debt and Chain of Title : Pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA, I demand strict proof of the validity and accuracy of this alleged debt. You must provide comprehensive documentation demonstrating : Proof that I am indeed the debtor. 

The original account agreement with my signature for the XXXX XXXX XXXX account. 

A complete, itemized payment history from the original creditor XXXX XXXX XXXX XXXX ) that clearly shows the charges, payments, and the date of first delinquency ( ODD ). 

Documentation of the precise amount of the debt at the time of charge-off by XXXX XXXX XXXX and how the current balance was calculated. 

Proof of the complete chain of title, showing valid legal assignments or transfers of this specific debt from XXXX XXXX XXXX to your entity, demonstrating that you have the legal right to collect this debt. 

If you can not provide ALL of the aforementioned documentation and definitively verify the accuracy of the Original Delinquency Date and all reported elements, you are legally obligated under the FCRA to promptly notify all consumer reporting agencies to immediately delete this inaccurate and unverifiable collection account from my credit report. 

Be advised that failure to provide the requested validation and verification, or to remove inaccurate/unverifiable information, constitutes a violation of both the FCRA and FDCPA, which may subject you to legal liability. 

I expect to receive the results of your comprehensive investigation and the requested documentation within 30 days from your receipt of this letter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief