Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Unverified and Inaccurate Account Immediate Deletion Required To Whom It May Concern, I am writing to formally dispute the collection account you have reported under my name. The account details are as follows : Final Notice : Demand for Immediate Deletion & Blocking of Fraudulent/Unverifiable Account ( s ) I am formally demanding the immediate removal and permanent blocking of this fraudulent and unverifiable account from my credit report. Your company has no permissible purpose to continue reporting this account under my name, and your failure to remove it constitutes a violation of federal law. 
Pursuant to 15 U.S.C. 1681c-2, once I have notified you that this account is the result of identity theft and is unverifiable, you are legally required to immediately block and delete the account. Continuing to report this account after receiving my dispute is a willful violation of the Fair Credit Reporting Act ( FCRA ) and subjects you to legal penalties and damages.

Violations of Federal Law 15 U.S.C. 1681b ( 2 ) Unauthorized Reporting & Privacy Violation You have no legal authorization to collect, use, or report this account under my name.

Your continued reporting is an illegal invasion of my privacy and a direct violation of my consumer rights. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information Reporting an inaccurate or unverifiable account is a violation of the FCRA.

You must immediately stop reporting false or misleading data to the credit bureaus.

15 U.S.C. 1681c-2 Blocking of Fraudulent Accounts Under this statute, you must block and remove this account once I have disputed it as fraudulent or unverifiable. 
Failure to comply subjects you to legal action, penalties, and damages. 
15 U.S.C. 1692e False, Deceptive, or Misleading Representations You have misrepresented the character, amount, and legal status of this debt.

Any further collection or reporting efforts will be considered willful noncompliance with federal law.

15 U.S.C. 1681i ( a ) Duty to Conduct a Reasonable Investigation You are legally required to investigate and remove any account that can not be fully verified.

If you fail to provide verification, this account must be deleted immediately.

Case Laws Supporting Immediate Removal & Compliance XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit reporting agencies must conduct a reasonable investigation when a dispute is filed. 
XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Reporting a collection account without proper verification violates the FDCPA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) If a disputed debt is unverifiable, it must be removed from the credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ) Creditors and agencies must respect written consumer disputes and follow FCRA guidelines. 
**Required Actions ( Deadline : 5 Business Days ) Immediately remove and permanently delete this account from all credit bureaus ( XXXX, XXXX XXXX and XXXX XXXX. 
Cease and desist all collection, reporting, and use of my personal information without explicit consent. 
Block the account from further reporting under 15 U.S.C. 1681c-2.

Provide written confirmation of deletion within 5 business days.

Failure to comply within 5 business days will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General, as well as legal action seeking statutory damages. 
This is your final notice, and I expect full compliance within 5 business days from the date of this letter.

Violations of the Law Your company is in direct violation of multiple federal laws, including but not limited to : 15 U.S.C. 1681b ( 2 ) Unauthorized Access & Reporting You have reported this collection account without my authorization or permissible purpose, violating my rights under the Fair Credit Reporting Act ( FCRA ). You do not have legal grounds to access or report my consumer information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate Reporting The account has been misrepresented as an " open '' account when it is actually a collection account. This false and misleading reporting damages my creditworthiness and is a violation of federal law. 
15 U.S.C. 1692e False, Deceptive, or Misleading Representations Your company falsely claimed to be the original creditor, which is a deceptive and illegal practice under the Fair Debt Collection Practices Act ( FDCPA ). This is a clear misrepresentation of the character and legal status of the debt. 
15 U.S.C. 1692g Failure to Validate Debt Under federal law, you were required to provide me with proper validation of this debt within five days of your initial communication. I have never received verification proving your legal right to collect this debt.

Legal Precedents Supporting Removal The following court cases further support my right to have this unverified and inaccurate account immediately deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must conduct a reasonable investigation when a dispute is filed. Failing to do so violates the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) A debt collector can not report a collection account without proper verification or proof, making your reporting unlawful. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) If a debt is disputed and can not be verified, it must be removed from the credit report. 
XXXXmmediate Action Required Due to these clear legal violations, I am demanding the immediate deletion of this account from my credit report and a written confirmation of this removal within 30 days of receiving this letter. Failure to comply will result in further legal action, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Pursuing civil litigation for damages under the FCRA and FDCPA, including statutory damages, attorney fees, and compensation for harm caused to my credit profile. 
I expect a written response within 30 days confirming that this fraudulent and misleading account has been permanently removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief