Consumer complaint received 2026-02-19 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: NJ

Complaint narrative:
Re : XXXX XXXX XXXX. XXXX Alleged Account : XXXX Account No. XXXX To Whom It May Concern, I am in receipt of your correspondence dated XX/XX/year>, regarding the above-referenced alleged debt in the amount of {$310.00}. This letter constitutes my formal dispute and demand for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), the Fair Credit Reporting Act, and all other applicable federal and state laws. I dispute this alleged debt in its entirety. To date, you have failed to provide any competent, admissible evidence demonstrating that I owe this debt or that Credence Resource Management , LLC has lawful standing to collect it. Nevertheless, your company continues to attempt collection and, upon information and belief, continues furnishing or maintaining this account as a collection tradeline, thereby damaging my credit reputation. Your continued actions constitute collection activity without validation and expose your company to multiple statutory violations, including but not limited to violations of the FDCPA and FCRA. Accordingly, I hereby demand full and complete verification of the alleged debt, including, but not limited to, the following twenty-five items : 1. The full legal name and address of the original creditor. 2. The complete original account number as issued by the original creditor. 3. A copy of the original signed contract, service agreement, or application bearing my signature. 4. Documentation proving I agreed to the terms and conditions governing the alleged account. 5. A complete and unredacted payment history from account inception through present. 6. A detailed, itemized accounting explaining how the alleged balance was calculated. 7. Documentation authorizing the assessment of any interest, fees, or charges. 8. Proof of the date of first delinquency as defined by federal law. 9. Proof that the statute of limitations has not expired for this alleged debt. 10. A copy of the original creditors charge-off statement. 11. Documentation showing the exact date the account was charged off. 12. A copy of the assignment, sale, or transfer agreement conveying the account to your company. 13. Proof that Credence Resource Management , LLC has legal standing to collect this debt. 14. Disclosure of the amount your company paid to acquire this account, if applicable. 15. Documentation establishing a complete chain of custody from the original creditor to your company. 16. Proof that your company is properly licensed and authorized to collect debts in the State of XXXX XXXX. 17. Your XXXX XXXX debt collection license number and registered agent information. 18. Verification that this alleged debt has not been settled, discharged, or otherwise resolved. 19. Proof that the balance does not include unauthorized or unlawful charges. 20. Copies of any written or recorded communications in which I allegedly acknowledged this debt. 21. Proof that proper notice of this debt was provided prior to any credit reporting. 22. Verification that any information furnished to consumer reporting agencies is accurate and complete. 23. The name, title, and contact information of the individual responsible for maintaining this account. 24. Copies of all internal notes, records, and communications regarding this account. 25. A sworn affidavit, signed under penalty of perjury by an authorized representative, attesting to the accuracy and validity of this alleged debt. LEGAL NOTICE Your continued collection efforts without proper validation violate FDCPA 1692g ( b ). Any continued misrepresentation of the character, amount, or legal status of this alleged debt constitutes a violation of FDCPA 1692e ( 2 ) ( A ). Furnishing or maintaining inaccurate or unverified information to consumer reporting agencies after notice of dispute violates FCRA 1681s-2 ( b ). Any attempt to collect amounts not expressly authorized by agreement or permitted by law violates FDCPA 1692f ( 1 ). These violations are willful and negligent and have caused measurable financial harm, emotional distress, and reputational injury. I reserve the right to seek actual damages, statutory damages of up to {$1000.00} per violation under the FDCPA, additional damages under the FCRA, attorneys fees, and costs, without further notice. Until full validation is provided, you are required to cease all collection activity, including but not limited to telephone calls, letters, credit reporting, and account transfers. If this account has been reported to any consumer reporting agency, it must be immediately marked as disputed. Failure to comply will result in escalation of this matter, including formal complaints with the Consumer Financial Protection Bureau, the New Jersey Attorney General, and pursuit of all available legal remedies. All future communications regarding this matter must be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief