Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
The creditor Credence ( Acct # XXXX ) is inaccurately reporting on my credit file. 

XXXX  shows a {$2800.00} high balance while XXXX  reports {$0.00}, and XXXX  also lists {$2800.00}, creating conflicting balance information. 

Each bureau reports different statuses and remarks : Charged off, Purchased by another lender, and Unpaid balance reported as loss. 

The Date of Last Activity and Date Reported are inconsistent across bureaus, which constitutes unlawful re-aging of debt. 

The account is coded as derogatory/charge-off despite showing a {$0.00} balance owed, which misrepresents the character and amount of the debt. 

These constitute 4 separate violations under the FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 623 ( a ) ( 5 ) ) and the FDCPA ( 15 U.S.C. 1692e ( 2 ) ( A ) ), entitling me to statutory damages of {$4000.00}.

I am demanding that this account be immediately deleted from all credit bureaus or corrected to reflect accurate, consistent, and non-derogatory information. 


XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX To whom it may concern : I am responding to the letter you sent dated about a debt you are trying to collect. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I also have reason to believe that you are in violation of 15 USC 1692e. False or misleading representations as defined ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. The account liksted below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per section 15 usc 1681g i have the right to demand that you disclose to me all the documents that you have recored and retained in your file at the time of this request concerning the account that you are reporting in my credit Please remove it from my credit report. 



I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. You contacted me by mail, on and identified the alleged debt as being the original creditor. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. 

In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? 

If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 

PROVIDE ME WITH THE FOLLOWING AS WELL : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 10 DAYS OF THIS CERTIFIED LETTER. 

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief