Consumer complaint received 2025-09-29 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 XXXX XXXX XXXX XXXXRe: Credit Report Dispute  Disputed Accounts & Unauthorized XXXX  InquiriesXXXXXXXXTo Whom It May Concern,XXXXThis is a formal dispute of inaccurate accounts and unauthorized inquiries on my credit report, submitted under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.XXXXUnder the FCRA:XXXX 1681i(a)(1)(A): You must investigate disputed items within XXXX  days.XXXX 1681i(a)(5)(A): If information cannot be verified, it must be deleted.XXXX 1681b(a): A consumer reporting agency may not furnish a credit report unless there is a permissible purpose. XXXX inquiries without authorization are unlawful and must be removed.XXXXAccordingly, I demand that the following items be investigated and permanently deleted unless verifiable proof of accuracy and authorization is providedXXXX Disputed AccountsXXXX1. XXXX  XXXX XXXXAccount Number: XXXXStatus: Charged Off  XXXX Written OffXXXXDispute: Balance exceeds original loan; no documentation to support discrepancy. Must be verified or deleted under  1681i(a)(5)(A)XXXX XXXX XXXXAccount NumberXXXX XXXXStatus: Charged Off  XXXX Written OffXXXXDispute: No evidence of payment activity or resolution. Must be verified or deletedXXXX. XXXX XXXX XXXXAccount Number: XXXXBalanceXXXX XXXX (Past Due)XXXXDispute: Account not opened or authorized. Appears fraudulent. Must be removed unless signed proof of responsibility is provided.XXXXXXXX XXXX XXXXAccount Number: XXXXBalance: XXXXXXXX  (Collection)XXXXDispute: No validation provided. Must be deleted if unverifiableXXXX XXXX XXXXAccount Number: XXXXBalance: XXXX (Collection)XXXXDispute: No documentation or proof of debt. Must be verified or removed.XXXX  Unauthorized XXXX  InquiriesXXXXThese inquiries were not authorized by me and have no permissible purpose under FCRA  1681b(a). Therefore, they must be deleted.XXXX XXXX XXXX InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXNone of these inquiries were initiated or authorized by me. Unless you can provide signed proof of my authorization, they must be permanently deleted in compliance with FCRA  1681b & 1681i(a)(5)(A)XXXXRequested Action:XXXXInvestigate each of the disputed accounts and inquiriesXXXXProvide written documentation verifying accuracy and authorizationXXXXPermanently remove all unverifiable, inaccurate, or unauthorized entries within the XXXX-day period required by lawXXXXFailure to comply will constitute a violation of the FCRA, and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and pursuing legal remediesXXXXThank you for your prompt attention. I expect written confirmation of your findings.XXXX XXXX

Company response to consumer: Closed with non-monetary relief