Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Date : XX/XX/year> Credence Resource Management , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Debt Validation Request Notice of Dispute Account in Dispute : Credence Resource Management Account # XXXX {$4000.00} To Whom It May Concern, I am in receipt of your recent communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally disputing this debt and any other alleged accounts you claim belong to me. I do not acknowledge ownership or liability for this alleged debt and require strict proof that Credence Resource Management has the legal standing to collect. 

Under UCC 8-102 ( a ) ( 15 ), a security is defined as a financial asset that may be transferred and held by a clearing corporation. If this alleged debt has been securitized, transferred, or sold into a trust, then Credence Resource Management is not the rightful owner and lacks standing to collect. 

Additionally, Rule 1002 of the Federal Rules of Evidence requires the original document or contract to prove the content of a writing, recording, or photograph. A billing statement or internal printout is not sufficient validation under federal law. 

I dispute any and all accounts you have in my name. Therefore, I am demanding the following documentation : 1. Proof of Ownership and Legal Standing A signed contract or agreement bearing my signature creating this alleged obligation. 

A complete chain of title, including bill ( s ) of sale and assignment agreements proving Credence Resource Management legally acquired this debt. 

The full purchase agreement between the original creditor and your company, including all terms of sale. 

2. Full Debt Validation & Itemized Accounting A detailed accounting ledger from the original creditor showing a breakdown of principal, interest, fees, and any other charges. 

Proof of the accuracy of the balance you claim {$4000.00}. 

A complete explanation of how this amount was calculated. 

3. Securitization & Financial Asset Verification Written confirmation stating whether this alleged debt was securitized or sold into an asset-backed security. 

The name of any trust, fund, or XXXX associated with this account. 

Copies of any Pooling and Servicing Agreements, trust agreements, or prospectuses connected to this account. 

4. Debt Collector Authorization & Compliance A copy of your Illinois debt collection license. 

Copies of any agreements authorizing your agency to collect on behalf of the original creditor. 

The name, address, and contact information of the original creditor, along with proof that they authorized Credence to collect.

5. Consumer Rights Compliance A copy of the Notice of Assignment from the original creditor. 

Copies of all letters/notices sent to me relating to this alleged debt. 

A copy of any arbitration provisions, governing law clauses, or jurisdictional agreements connected to this account. 

Failure to Validate & Legal Consequences Until you provide the documentation requested, I do not acknowledge this debt. If you fail to validate, you must cease all collection efforts under 15 U.S.C. 1692g ( b ). Continuing to pursue collection without proper validation is a violation of federal law and may result in legal action. 

Additionally, you must update all consumer reporting agencies to mark this account disputed in compliance with 15 U.S.C. 1692e ( 8 ). Failure to do so may result in complaints filed with the FTC, the Illinois Attorney General, and the CFPB. 

I am requesting full validation of the account you claim you have on me : Account # XXXX {$4000.00} You must respond in writing within 30 days of receiving this request. If you can not provide strict proof of ownership and legal standing, I expect written confirmation that this account has been closed and all negative reporting permanently removed from my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with non-monetary relief