Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I have made numerous attempts to address this account directly with your company and have not received proper validation. I REFUSE TO PAY THIS DEBT. I do not recognize this alleged obligation as valid, and I will not submit payment without complete documentation as required by federal law. Continuing to collect or report this account without providing proper validation may constitute violations of consumer protection statutes. This letter is formal notice that Credence must immediately cease all collection activity associated with this account. Collection activity includes, but is not limited to, telephone calls, written correspondence, electronic communication, and furnishing, verifying, or updating information with any consumer reporting agency. I am requesting full validation of this alleged debt. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not requesting internal collection summaries, spreadsheets, account screenshots, or documents labeled available documentation. I am requesting authentic original records generated and maintained by the original creditor. Please identify the individual who claims to possess personal and requisite knowledge of the facts concerning this alleged account, including the genuineness and authenticity of the debt and possession of the OALD. That individual must be capable of establishing a prima facie case under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. Personal knowledge can not be based solely on reviewing your internal records. Confirm that this individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices consistent with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of ownership for this alleged debt, including : The name of each prior debt owner Copies of all assignments of the alleged debt ALL previous assignments executed by prior holders Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer document demonstrating how ownership transferred from the original creditor at charge-off through each successive purchaser, including Credence. Provide a signed agreement evidencing the opening of the account. Further, provide OALD reflecting purchases, payments, or any actual use of the account by me. Provide OALD reflecting the original principal balance of the alleged debt, excluding post charge-off or post-judgment additions. If the balance currently claimed exceeds the post charge-off or post-judgment amount, provide a detailed accounting explaining how the amount was calculated and identify the contractual provision and legal authority authorizing such increases. I require a complete transactional history from the original creditor, including full monthly account statements. All original account-level documentation must be mailed directly to my address listed in the header of this dispute. These records must originate from the original creditor and not be recreated solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions that governed the account at the time it was opened, along with any amendments or updated terms thereafter. Please disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect on a time-barred debt outside the applicable statute of limitations. Misrepresentation of the legal enforceability of a debt is prohibited under 15 U.S.C. 1692e ( 5 ). Provide your written dispute policies and procedures, along with a description of the system used to maintain compliance. This correspondence constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you determine this dispute to be frivolous or irrelevant, you must notify me in writing within five days of receipt. My full legal name, mailing address, and the account number as reported appear in the header of this request. Provide written confirmation of the current legal status of this account within your records. You are prohibited from making any false, deceptive, or misleading representation regarding this alleged debt pursuant to 15 U.S.C. 1692e ( 10 ). I am prepared to enforce my rights under federal consumer protection laws and pursue legal remedies in a court with proper jurisdiction under 12 U.S.C. 5565 ( a ) ( 1 ) for violations of the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may apply, in addition to any actual damages incurred. You have 30 days to provide the requested documentation and to remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in legal action being filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with non-monetary relief