Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
VIA EMAIL & XXXX XXXX MAIL Credence Resource Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Original Lender : XXXX XXXX No. : Unknown/Not Reported Amount : {$320.00} Sir/Madam : Upon review and notifications from credit monitoring alerts I received notice that a debt/derogatory remark was listed on my credit report with the various credit reporting agencies. After further review and investigation, Ive determined this is not my debt nor am I responsible for this debt that your company has purchased from the original lender referenced above. 
Therefore, I am disputing the validity of this debt. This debt is not valid, and I do not owe any debt ( XXXX ) to your company. I have not received any correspondence sent to my personal address about this alleged debt with your company. This correspondence is to notify Credence Resource Management ( XXXX ), but not limited to ; its representatives, affiliates, and/or third parties, to cease and desist any/all communications in connection with this debt. 
Upon information and belief, pursuant to the Fair Debt Collection Practices Act, youre in violation of 15 U.S.C. 1692 ( b ) ; 1692 ( c ) ; 1692 ( d ) ; 15 U.S.C. 1692 ( e ) ; and Executive Order by the President of the United States. Furthermore, I am a victim of identity theft and various data breaches. It is my opinion, an identity thief may have used my personal information without my knowledge and permission to open an account ( s ), make purchases, and/or enter contract ( s ) and/or subscriptions. Therefore, this debt may be a result of identity theft.

In accordance with section 609 ( e ) of the Fair Credit Reporting Act, and 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the above-referenced account/alleged debt. The law directs that CRM provide these documents at no charge, and without requiring a subpoena, within XXXX ( XXXX ) days of your receipt of this request. I hereby request you send me a one-time communication with copies of any/all records relating to the above-referenced account, including but not limited to : Account applications made on paper, online, or by telephone ; Account statements or invoices ; Records of payment or charge slips ; Delivery addresses associated with the account ; Records of phone numbers used to activate or access the account ; Signatures on applications and accounts ; and, Investigators report. 
Please include a detailed letter explaining what you have done to : Inform the originator/business/owner of that the debt is a potential result of identity theft ; Stop collection proceedings against me ; Stop reporting information about the debt to credit reporting companies ; and, Provide me with the records I have requested. 

Moreover, XXXX is on notice and demand to stop collection proceedings against me and stop reporting information about the debt to credit reporting companies. However, if you continue to contact me and disregard the above requested actions after receiving this letter, I will be forced to initiate litigation to assert my rights under Fed.R.Civ.P. and the FDCPA, in conjunction file a complaint with the Consumer Financial Protection Bureau, and the XXXX XXXX XXXX XXXX Attorney General. 
This correspondence is without prejudice and does not waive any/all rights and remedies at law or in equity available to me, all of which are expressly reserved. Thank you for your prompt attention and cooperation with this matter.

Company response to consumer: Closed with non-monetary relief