Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
You are reporting 2 inaccurate accounts on my consumer report. this is a violation of the FCRA and I will take swift action if is not resolved immediately. Credence Resource Management, This is a formal request for proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

You are hereby required to provide all of the following documentation within 3 days of receiving this letter : XXXX. Proof that the alleged debt has been securitized ; XXXX. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, between your company and the original creditor ; XXXX. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; XXXX. Evidence of chain of title ( UNBROKEN ) and legal standing to collect ; XXXX. The original signed contract creating the obligation, with terms and conditions CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above within 3 days ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, saying its a duplicate dispute, ignoring this letter, account updates, threats, settlement offers, phone calls, language about anything other than what was requested or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e.

Furthermore, if you can not provide all of the requested documentation within 3 days : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). ( Estoppel by silence means you had a chance to speak but didnt )- You are to cease all collection activities permanently ; - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe ) ( All items must be from your company or you violate the cease communications if someone else sends it )- You must Immediately comply with the above. ( Nothing else will be accepted after 3 days when you receive this letter ) ( Anything sent after the 3 day window will violate the cease all communications, including credit reporting ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including because Credence Resource Management is the one reporting the account to the credit reporting agencies and no one else. ( I will be taking legal action immediately if the account is still reporting after the time frame allowed in this letter. ) FTC and state attorney general will be notified You must either ( 1 ) provide all requested documents within 3 days or ( 2 ) cease reporting and contact altogether. There is no 3rd option. ( AMOUNT : {$440.00}, {$800.00} ) Date : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief