Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
FORMAL DEBT VALIDATION DEMAND & CEASE COMMUNICATIONS NOTICE Alleged Account : XXXX Alleged Debtor : CREDIT CONTROL FDCPA 15 U.S.C. 1692g NOTICE To Whom It May Concern : I am contacting your company concerning your attempts to collect the above-referenced alleged debt. This letter constitutes a formal demand for validation of the alleged debt pursuant to 15 U.S.C. 1692g of the Fair Credit Reporting Act ( FDCPA ). Be advised that I am intimately familiar with the Federal Trade Commissions Advisory Opinion in XXXX, which clarifies that mere verification of a consumers name and address does not constitute validation of the debt itself. Take notice that your continued collection activities, including any reporting to consumer reporting agencies, absent strict compliance with this validation demand, will be deemed a willful violation of the FDCPA and subject you to statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1692k. CEASE & DESIST DIRECTIVE : Until such time as you provide complete validation as demanded herein, you are hereby instructed to CEASE AND DESIST all telephone communication with me. All future communications regarding this matter must be in writing and directed solely to me. Any credit reporting activity, telephonic contact, or other collection effort prior to full compliance with this demand will be construed as unlawful harassment and an attempt to collect a debt not properly validated, forming an independent basis for litigation. FULL AND COMPLETE VALIDATION DEMANDED : Pursuant to the Consumers rights, you are required to provide competent, verifiable evidence establishing the following. Your failure to provide each item will be deemed an admission that such documentation does not exist and that you lack standing to collect. 1. Complete Payment History & Itemized Accounting : Provide a complete, transaction-by-transaction ledger from the date of origination to the present, showing all credits, debits, payments, fees, and interest charges. This accounting must demonstrate the specific calculation of the amount now claimed and prove it was not derived from unlawful interest-on-interest or fees not permitted under the original governing agreement or state law. 2. Securitization Audit Trail & Proof of Legal Standing : If this alleged debt was ever pooled, securitized, or sold into a trust, you must provide : The name and identifying number of the trust or special purpose vehicle. A complete copy of the Pooling and Servicing Agreement ( PSA ) or similar governing document. Documentary proof that the assignment of this specific account into said trust complied with all material terms of the PSA, including closing dates, representations, and warranties. Proof of the current trustees authority and the chain of authority delegating collection rights to your entity. 3. Insurance, Charge-Off, and Indemnification Documentation : Provide : A copy of the original creditors internal charge-off ledger entry for this specific account. All documentation related to any insurance claim, surety bond, credit default swap, or other indemnification agreement filed, paid, or collected upon regarding this debt. Acceptance of such payment may have extinguished the debt or transferred rights via subrogation, which you must prove. 4. Complete Chain of Title with Evidence of Consideration : Provide a wet-ink, unbroken chain of assignments from the original creditor to your entity. Each assignment must : Clearly reference the Consumers name and the original account number. Be executed by an authorized representative of the assignor. Demonstrate that the assignor held legal title to this specific account at the moment of assignment. Show the consideration paid for this specific account at each transfer. 5. Proof of Licensing & Specific Authority : Provide : A copy of your active collection license/registration for the state of [ Consumer 's State ]. The executed contract or power of attorney specifically authorizing your entity to collect this specific alleged debt on behalf of the current claimant. NOTICE OF DEFICIENCY & LITIGATION INTENT : Be advised that I will forensically examine any proffered documentation. Incomplete, illegible, robo-signed, generic, or digitally reconstructed documents will be rejected as non-responsive and deemed a failure to validate. Partial validation constitutes no validation. I have a zero-tolerance policy for FDCPA violators and a will pursue litigating claims against entities that attempt to collect debts they can not prove they own or that they lack the documentation to enforce. Should you fail to provide the complete validation demanded within thirty ( 30 ) days of your receipt of this letter, or should you continue any collection activity in the interim, I will immediately file suit against your entity for multiple counts of FDCPA violations without further notice. Govern yourself accordingly. Respectfully,

Company response to consumer: Closed with non-monetary relief