Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
Re : Notice to Cease All Communications FDCPA Demand To Whom It May Concern : I am filing this complaint because a company I do not recognize is reporting an alleged debt on my credit report. I have no account, no contract, and no prior business relationship with this company. At no time did I authorize, agree to, or enter into any contract that would create a valid creditor-debtor relationship with them. 

This unknown company has never mailed me any notice, billing statement, validation letter, or communication of any kind. The first time I learned of their existence was by discovering the negative entry on my credit report, which is a clear violation of federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector must provide written notice of the alleged debt within 5 days of its first communication. 
I received no such notice, making the reporting of this debt unlawful and deceptive, in violation of XXXX U.S.C. XXXX, XXXX, and XXXX. 

Furthermore, the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) prohibits any furnisher from reporting information to a consumer reporting agency without first ensuring that the information is accurate, verified, and legally owed. Reporting an unverified and unvalidated debt violates : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( furnishing inaccurate information ) XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( furnishing information without reasonable investigation ) XXXX U.S.C. XXXX ( a ) ( XXXX ) ( duty to correct and update information ) From a commercial and contractual standpoint, no entity can claim a debt or act on behalf of a creditor without a valid contract, assignment, or express consent between the parties. Under basic principles of commerce and XXXX Article XXXX, a party must have a security interest, assignment, or contractual privity to enforce an alleged obligation. I have never given consent to this company, nor have I ever had a relationship with any original creditor they could legally represent. 

If this company is acting as a debt collector, then it is operating without providing the mandatory FDCPA-required disclosures and validation. 
If it is claiming to be the creditor, then it is fraudulently reporting a debt that does not exist and for which no contract or agreement has been created. 

I am requesting : XXXX. Immediate investigation into the identity of this company. 
XXXX. Removal of this unverified and unlawful account from all three credit bureaus. 
XXXX. Confirmation that this company is properly regulated, licensed, and legally authorized to collect or report debts. 
XXXX. XXXX action for violations of the FDCPA and FCRA. 

This situation has caused confusion, stress, and harm to my credit standing. I am asking the CFPB to intervene because this company has failed to comply with federal consumer protection laws and has reported an alleged debt without any basis, contract, or lawful authority.

Company response to consumer: Closed with non-monetary relief