Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged debt that has been reported to my credit file in connection with XXXX XXXX. I have never received any correspondence regarding this account, nor have I ever opened any lines of service with your company. Given the fraudulent nature of this matter and my legal rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate verification and validation of this alleged debt. 

Verification of Debt ( FCRA 609 ) Provide Proof Pursuant to 15 U.S. Code 1681g, I am requesting full verification of this debt, including but not limited to : 1. A detailed account history with billing statements proving I personally authorized these charges. 
2. Any signed contracts or agreements linked to my name and personal information.

3. A full explanation of how this alleged debt was calculated.

4. The identity of any third parties that reported or handled this debt.

5. A copy of any applications, forms, or authorizations used to open these lines in my name.

6. Confirmation of the date of account opening and the method used to verify my identity.

Validation of Debt ( FDCPA 809 ) Prove the Legitimacy Under 15 U.S. Code 1692g, if XXXX XXXX or any collection agency is attempting to collect this alleged debt, I request validation, which includes : XXXX. Proof that XXXX XXXX legally owns this debt or has been assigned it for collection. 
2. A copy of the original agreement with my signature authorizing this account.

3. The name and contact details of the original creditor and any third-party entities that have handled this account.

4. A detailed explanation of the debt collection process, including all communication records.

Potential FCRA Violations This matter raises serious FCRA violations as I have had a fraud alert on my credit file, which requires companies to take extra steps in verifying my identity before opening any accounts. The following potential violations have occurred : 1. Failure to Verify Identity Under 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ), companies must verify a consumers identity before opening new credit lines when a fraud alert is present. If XXXX XXXX failed to take these steps, this is a direct violation of federal law. 
2. Failure to Provide Notice of Negative Reporting If XXXX XXXX furnished negative information to credit bureaus without notifying me, they are in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ).

3. Failure to Conduct a Proper Investigation Under 15 U.S.C. 1681i ( a ), when a consumer disputes an account, the company must conduct a reasonable investigation. If XXXX XXXX fails to provide proper verification, they are legally required to remove the account from my credit file. 

Demand for Immediate Removal Given the fraudulent nature of this matter, the lack of verification, and the FCRA violations, I demand the immediate removal of this account from my credit report and any collection efforts to cease immediately. 

If this account is not deleted, I will not hesitate to take further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Company response to consumer: Closed with non-monetary relief