Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
To Whom It May Concern : Recently, I received a copy of my credit report and I noticed there was an account that your agency claims I owe. I do not recall signing any contracts or agreements with your agency nor do I have any knowledge having any debt with your agency either. Therefore, I am exercising my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act by requesting full validation of the alleged debt directly from the creditor. 
Please supply the following within 30 days : o Name and address of the current creditor o Name and address of the ORIGINAL creditor if different from the current creditor o The agreement between the current and the original creditor giving authorization to collect an alleged debt o Documentation that validates that I am the party responsible for the alleged debt, including a copy of an original written contract/agreement that clearly indicates my wet signature as evidence of indebtedness to Credence Resource Management o Documentation showing the terms, conditions along with the fee schedule of the original contract/agreement that I signed with Credence Resource Management Section 623 ( a ) 1 ) A ) of FCRA states that Furnishers of Information have the duty after receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall conduct an investigation with respect to the disputed information. This investigation must be completed within 30 days According to Section 623 ( b ) 2 ) of FCRA a person shall complete all investigations, reviews, and reports required under paragraph ( 1 ) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 611 ( a ) ( 1 ) [ 1681i ] within which the consumer reporting agency is required to complete actions required by that section regarding that information. 
Please send the requested documents for validation to the address referenced above. While investigations are ongoing, FCRA also states that reporting activity must cease according to Section 623 ( a ) 1 ) B ) i ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 
If any of the items requested can not be produced or validated please delete all unverifiable information being furnished to any and all credit reporting agencies. Which is pursuant to Section 623 ( b ) 1 ) E ) of FCRA that item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly - ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information

Company response to consumer: Closed with non-monetary relief