Consumer complaint received 2025-10-26 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: VA

Complaint narrative:
LETTER XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) Subject : Dispute of Fraudulent XXXX XXXX XXXX ; Collection Account Identity Theft Victim Dear Credit Bureau Representative, I am writing to formally dispute a fraudulent XXXX XXXX XXXX ; collection account that appears on my credit report. The account information is listed as follows : Creditor/Collector : Credence Resource Management Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX I have never opened or authorized this account. I am a victim of identity theft and have filed both an official Identity Theft Report with the Federal Trade Commission and a police report dated XX/XX/year>. Copies of these documents are enclosed along with a copy of my government-issued ID and proof of address. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), I am requesting that you immediately remove this fraudulent account from my credit report and block its reappearance in the future. 
Please confirm in writing when this item has been deleted from my file. I appreciate your prompt attention to this matter. 
Sincerely, __________________________ XXXX XXXX Attachments : Copy of government-issued ID Proof of address FTC Identity Theft Report Police report ( XX/XX/year> ) Credit report page showing fraudulent XXXX XXXX XXXX XXXX account LETTER XXXX FRAUD & VALIDATION NOTICE TO CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> To : Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Fraudulent XXXX XXXX XXXX  ; Account Request for XXXX and XXXX Dear Credence Resource Management Representative XXXX I am contacting you regarding a collection account you are reporting for XXXX XXXX XXXX ;, account number XXXX. This account is fraudulent I did not open or authorize it, and I am a confirmed victim of identity theft. 
I filed a police report on XX/XX/year> and an FTC Identity Theft Report, both of which are enclosed. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you : XXXX. Cease all collection activity and reporting of this account to any credit bureau. 
XXXX. Provide full validation of the alleged debt, including all documentation ( application, ID, contracts, service records ) used to open the XXXX XXXX XXXX ; account. 
XXXX. Remove this account from all consumer reporting agencies if you can not verify it as valid and authorized. 
Please respond in writing within 30 days confirming that this account has been deleted and that no further collection activity will occur. This fraudulent debt has already been reported to law enforcement and the FTC. 
Thank you for your immediate attention. 
Sincerely, __________________________ XXXX XXXX Attachments : Copy of government-issued ID Proof of address FTC Identity Theft Report Police report ( XX/XX/year> ) Credit report page showing fraudulent XXXX XXXX XXXX  XXXX account

Company response to consumer: Closed with non-monetary relief