Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Subject : Formal Dispute, Request for Validation, and Demand for Deletion Account # XXXX To Whom It May Concern, I, XXXX XXXX XXXX, am formally disputing the validity and accuracy of the account referenced above, reported under Credence Resource Management with an alleged balance of {$620.00}, originally attributed to XXXX. This dispute is made pursuant to my rights under, but not limited to, the following federal laws : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Under 15 U.S.C. 1692g ( FDCPA Validation of Debts ), I am requesting full validation of this alleged debt. You are required to provide proper validation before continuing any collection activity. Under 15 U.S.C. 1692e ( FDCPA False or Misleading Representations ) and 1692f ( Unfair Practices ), you may not report or attempt to collect a debt that is inaccurate, misleading, or can not be substantiated. Under 15 U.S.C. 1681e ( b ) ( FCRA Accuracy of Reports ), you are required to report only information that is complete and accurate. Under 15 U.S.C. 1681i ( FCRA Reinvestigation of Disputes ), any information that can not be verified must be promptly deleted from my credit file. Under 15 U.S.C. 1681s-2 ( FCRA Responsibilities of Furnishers of Information ), you are required to conduct a reasonable investigation and correct or delete any inaccurate or unverifiable information. Under 15 U.S.C. 1681c ( a ) ( FCRA Obsolete Information ), reporting must comply with time limitations and accuracy requirements. Accordingly, I demand that you provide the following : A complete chain of title/ownership of the alleged debt, including all assignments or transfers. A copy of the original contract or agreement bearing my signature. A complete and itemized payment history from the original creditor to present. Proof that you are licensed and authorized to collect in my state. Documentation proving your legal right to collect and report this debt. Verification that this account has been reported in full compliance with all provisions of the FCRA. Be advised : Failure to provide proper validation constitutes a violation of 15 U.S.C. 1692g. Continued reporting of unverifiable information constitutes violations of 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. Any deceptive, unfair, or misleading collection activity violates 15 U.S.C. 1692e and 1692f. If you can not provide the requested documentation, I am demanding immediate deletion of this account from all credit reporting agencies. Additionally, pursuant to the FDCPA, you must cease all collection activity until proper validation has been provided. Please be advised that failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the North Carolina Attorney Generals Office, as well as potential civil action for any violations. You have 30 days from receipt of this notice to respond. This correspondence is sent without prejudice and with full reservation of all my rights under federal and state law. Sincerely, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX SSN : XXXX XXXX XXXX Date : XX/XX/year> 2026

Company response to consumer: Closed with non-monetary relief