Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
Subject : Formal Demand for Deletion and Verification of Unlawfully Reported Account XXXX XXXX XXXX XXXX Credence Resource Management This letter serves as a formal dispute, legal demand, and notice of willful noncompliance under the Fair Credit Reporting Act ( FCRA ). The account being reported under XXXXXXXX XXXX XXXX XXXX XXXX by Credence Resource Management ( Credence RM ), showing a balance of {$620.00} and listed as Collection/Charge-off, is being unlawfully furnished and inaccurately reported on my consumer report. 
I have never provided written authorization, nor have I signed any agreement granting any entity permission to furnish, access, or distribute my consumer information as required under 15 U.S.C.

1681b. This reporting is unauthorized, inaccurate, and unlawful.

I. Legal Violations and Factual Inconsistencies 1. Unauthorized Furnishing and Use of Consumer Information 15 U.S.C. 1681b & 1681q : No written authorization, contract, or permissible purpose exists authorizing access or furnishing of consumer data. Any such access is a federal violation and breach of privacy rights.

2. Materially False and Conflicting Reporting 15 U.S.C. 1681e ( b ) & 607 ( b ) : The creditor name XXXX XXXX XXXX is false ; XXXX  lists XXXX. The account is marked both Collection and Charge-off, which is factually and legally impossible. 
XXXX. Inconsistent and Incomplete Reporting Across Bureaus 15 U.S.C. 623 ( a ) ( 1 ) ( A ) : XXXX  omits the account, while XXXX  and XXXX  contain mismatched identifiers ( Credence RM vs Credence Resource Mana ). This demonstrates unreliable and unverifiable data furnishing. 
XXXX. Failure to Validate and Verify 15 U.S.C. 1681i & 1681g : No contract or signed documentation has been provided. Continued reporting without validation constitutes willful negligence and noncompliance under 1681n and 1681o.

II. Formal Demands Under Federal Law 1. Provide written documentation, bearing my original signature, showing I authorized any entity to obtain, furnish, or distribute this account information. 
XXXX. Provide full validation and itemized proof of debt, including original contracts, applications, account histories, and all communications. 
XXXX. Cease and desist immediately from reporting, verifying, or sharing this account until proof of authorization and ownership is provided. 
XXXX. Delete this account and any related entries from all consumer reporting databases within the XXXX investigation period mandated by 15 U.S.C. 1681i ( a ).

5. Provide written certification confirming deletion and cessation.

III. Notice of Legal Liability Failure to comply within 30 days of receipt constitutes willful noncompliance with the FCRA and exposes your organization to civil liability under 15 U.S.C. 1681n, 1681o, 1681q, and 1681s-2 ( b ).

Noncompliance will result in escalation to the CFPB, the Federal Trade Commission, and initiation of civil proceedings for statutory damages, attorney fees, and legal remedies. 
IV. Required Written Confirmation A full reinvestigation, deletion, and written confirmation must be sent to the sender within 30 days of this letter. Failure to respond will be considered refusal to comply with federal law.

Company response to consumer: Closed with non-monetary relief