Consumer complaint received 2025-11-14 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: CO

Complaint narrative:
also add that they have been reporting my information and stating that verified and correct within the FCRA which is not true and they continue to violate me the consumer Here is your revised consumer affidavit text including the statement that the companies have falsely claimed their reporting is " verified and correct '' under the FCRA, but are in fact continuing to violate your consumer rights : 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  To Whom It May Concern ( CFPB and relevant entities ) : I, XXXX XXXX XXXX, being duly sworn, hereby state under penalty of perjury : XXXX. * * Personal Identity * * : I am the consumer whose credit, reputation, and identifying information are at issue in this affidavit. My name, address, date of birth, and contact details appear above [ XXXX ] [ XXXX ] [ XXXX ]. 

XXXX. * * Nature of the Complaint * * : I am filing this sworn statement and complaint regarding inaccurate, incomplete, or unauthorized reporting of accounts and collection items by the following companies, as found on my credit reports from Experian, Equifax, and TransUnion as of XX/XX/XXXX : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource Management , LLC - XXXX XXXX XXXX This list XXXX include additional named furnishers as reported by each bureau [ XXXX ] [ XXXX ] [ XXXX ]. 

XXXX. * * Consumer Law Citations * * : These actions and furnishers are subject to, and must comply with, the following : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Colorado Consumer Debt Collection Act ( CCDA ), C.R.S. 5-16-101 et seq. 

XXXX. * * Statement of Facts * * : - Accounts and/or collection items from the above parties appear on my credit files without lawful basis or full compliance with statutory accuracy and dispute verification requirements. 
- I have previously notified the credit bureaus and/or furnishers of these disputes. Despite my efforts, certain items remain uncorrected or unverifiable. 
- These companies respond to disputes by stating that the information they furnish is verified and correct within the meaning of the FCRA, when in fact this is untrue and their reporting continues to violate my consumer rights under federal and state law. 
- I demand a lawful investigation and deletion, as required under FCRA 15 U.S.C. 1681i, and related statutes, for any item that can not be verified. 

XXXX. * * Request for Relief * * : I request that you : - Investigate the reporting practices described. 
- Direct any data furnisher or collector who can not provide proper verification or who otherwise fails legal requirements to remove or correct the disputed information. 
- Take additional action as permitted by applicable law. 

XXXX. * * Certification and Oath * * : I certify under penalty of perjury under the laws of the United States and the State of Colorado that the foregoing is true and correct to the best of my knowledge. 

XXXX XXXX XXXX XXXX Signature : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief