Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to request that you promptly remove any claims that are not compliantly and lawfully reported in a manner that is injurious and unfair to my reputation. This formal consumer complaint serves as my official notice to you that I dispute the reporting of claims included in the notice and challenge you and any accepting data repositories to provide indisputable evidence that each claim was made fairly, truly, correctly, timely, verifiably, validly, and in full accordance with the mandated Metro 2 Data-filled Field Formatted reporting standards. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do question its adequacy of reporting as per federal law, which mandates that any claim must be reported with maximum possible accuracy and completion. Based on CRRG 3-4, I believe the integrity of the claims reported by you is questionable at best and therefore unlawful. I respectfully urge you to take immediate action to rectify this matter and provide a satisfactory resolution that addresses my concerns in a timely and professional manner.

I am writing to request that you adhere to federal and state reporting requirements in a factual and indisputable manner without delay. The CDIA has developed a manual, the XXXX, that outlines reporting standards and requirements for adequate, complete, and verifiable data submissions. Any deviations from these standards may compromise the integrity of the data. Your current reporting practices are questionable and do not meet even the minimum requirements for the privilege of reporting. As mandated by law, you could have opted to report in a compliant manner, ensuring that your claims were beyond doubt. However, your deviations suggest otherwise, and for that reason, among others, I contest your reporting privileges and challenge you to prove that each aspect of required reporting adheres to all necessary adequate practices within your compliant reporting. I respectfully demand that you remove the requested inaccuracies from reporting immediately and without delay. 
XXXX XXXX XXXX XXXX  Please verify if this belongs to me. - Please investigate and verify that this is mine? 
May I kindly request that you desist from reporting any injurious information pertaining to the allegations related to the account details provided below. It is plausible that XXXX XXXX XXXX XXXXXXXX may have been reported unfairly, without proper certification, or in violation of the law. As such, I would respectfully demand that any derogatory statements regarding late payments be promptly removed from your records, as mandated by legal requirements.

I would like to bring to your attention that derogatory information is being reported about me, yet I have not received any official notification from any data reporting furnisher or creditor with respect to the reinsertion of a previously removed ailment or an initial validation of debts and delinquencies accused against me. As a consumer, I am well aware of federal reporting requirements and Metro 2 format standards that mandate a response to a consumer complaint within 30 days ( 45 days in some cases ), with notification of an extended 15 day period for investigation and findings. It is important to note that failure to respond requires immediate and permanent removal of the questionable information from reporting, along with a statement acknowledging the consumer 's challenge to the adequacy and exactness of the claim ( s ) reported. While I understand my consumer right to file a civil suit in a court nearest to me and favorable to me as the injured victim of inappropriate reporting and/or reporting practices, it is my hope that this matter can be resolved amicably.

However, if a resolution is not achieved, I will not hesitate to pursue legal action to protect my rights. 
Very hopefully yours, account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief