Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : FORMAL DISPUTE & DEMAND FOR IMMEDIATE REMOVAL COLLECTION ACCOUNT # XXXX Original Creditor : XXXX XXXX XXXX | Alleged Balance : {$2800.00} To Whom It May Concern, This letter serves as a formal dispute and legal demand for the immediate deletion of the collection account ( # XXXX ) you are reporting on my credit profile. This account is erroneous, invalid, and unverified. You are hereby notified that I dispute the accuracy, ownership, and legitimacy of this debt under my consumer rights as defined by federal law. 

1. Data Compromised XXXX  Data Breach & Identity Exposure As you are likely aware, XXXX, one of the primary credit reporting agencies, experienced a massive data breach affecting millions of consumers. As a result, my personal data may have been unlawfully accessed and exploited to create fraudulent or unauthorized accounts. I do not have knowledge of this debt with XXXX XXXX XXXX, and I have not entered into any agreement with your company. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information I believe to be inaccurate. I am demanding full validation and original signed documentation of this alleged debt. Failure to provide such evidence constitutes continued reporting of unverifiable and inaccurate data, which is illegal under FCRA 1681e ( b ) and 1681s-2 ( b ). 

XXXX. Violation of FDCPA and Emotional/Financial Hardship Continued collection and reporting of this disputed debt, especially without adequate validation, is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ). You are also in violation of FCRA 1681b, which prohibits the use of consumer reports without a permissible purpose. 

Due to this illegitimate and false collection entry, I have experienced : Significant emotional distress, including anxiety and fear of financial instability Denials of credit opportunities critical to my familys well-being and housing stability Financial hardship from the impact this inaccurate data has had on my creditworthiness This false and damaging report must be immediately addressed, as it continues to cause direct economic and psychological harm in violation of my rights as a consumer. 

DEMANDS UNDER FEDERAL LAW : IMMEDIATE deletion of collection account # XXXX from all credit reporting agencies. 

A full investigation and method of verification provided in writing, as required by FCRA 1681i. 

A cease and desist from any further communication or collection activity unless full validation is provided. 

Removal of all negative reporting that can not be legally and verifiably substantiated. 

If you fail to comply within 30 days, I will escalate this matter by filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Attorney General Consider pursuing civil action for damages under FCRA and FDCPA statutes You are now legally on notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief