Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
To whom it may concern : I am writing about the above reference number. This is a request for verification and notice to you under federal law.

1. Debt validation / chain of title. Within 30 days of your receipt of this letter, provide written proof that I owe the debt you claim, including : the original creditors name and account number ; a full, itemized accounting of the alleged charges showing dates of service and specific provider ( s ) ; any contract, billing statement, or agreement that creates the debt ; and a complete chain of assignment if you are not the original creditor ( copies of every sale, assignment, and transfer of this account from the original creditor to any subsequent owner or collector ). 

If you can not provide this documentation, you must cease collection and delete any references to this debt from my credit reports.

2. Proof you have a right to collect & no sale/transfer without notice. If you intend to sell, transfer, or place this account with another party, or if you already have done so, provide the identity and address of that party and the date of any transfer. I object to any sale or further transfer until you have validated the debt. If you have already sold or transferred it, provide who currently owns it and any account number they use.

3. HIPAA / protected health information. If this alleged debt arises from health care services, disclose the legal basis you used to share my protected health information ( XXXX  ) with any third party for debt collection ( including any Business Associate Agreement or my authorization ). If you received XXXX from a covered entity, provide the minimum XXXX you received and the legal basis under the HIPAA Privacy Rule that allowed that disclosure. If you can not establish lawful handling of my XXXX, you must cease collection and remove all references to the debt and dispose of my XXXX  securely. 
4. Credit reporting / FCRA dispute. If you have reported this account to any credit reporting agency ( XXXX XXXX XXXX, or any other consumer reporting agency ), please notify them immediately to place a temporary block or remove this account pending validation. If you can not validate the debt, you must instruct the CRAs to delete the entry and confirm to me in writing that you have done so. 
5. Cease contact & proof of authorization. If you are a debt collector under the Fair Debt Collection Practices Act ( FDCPA ), provide the documentation that shows your authority to collect this debt and the documentation that shows any person or entity who has authorized you to contact me about this debt. Until you provide the requested documentation, cease all collection efforts and communications, except to provide verification as required by law.

6. Preservation of records. Preserve all records, phone logs, call recordings, messages, documents, notes, and communications related to this account and any disclosures of my protected health information.

7. Return receipt & confirmation. Please send all requested documentation to my address above, and confirm in writing within 30 days that you have complied with each of the requests above. 

This letter is not an acknowledgement of liability or of any debt. I expressly dispute this debt and demand verification. I am requesting these records under my rights under federal law ( FDCPA, FCRA, and HIPAA-related obligations for covered entities and business associates ) and applicable state law.

Company response to consumer: Closed with non-monetary relief