Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I have been dealing with identity theft for the past 4 years, and this company continue to put this collection on my credit report. they put in a collection on XX/XX/year> for XXXX dollars. I wrote to them to validate the debt, and they did not and I also complained to the credit bureaus, XXXX  in particular. I would like to see the item removed immediately- due to them and XXXX  breaking consumer law and violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : [ Your DOB ] SSN : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX RE : Formal Debt Validation and FCRA Violation Notice Credence Resource Management Alleged Account # XXXX Credence Reference # XXXX Alleged Original Creditor : XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute and request for validation regarding the above-referenced account currently being reported on my XXXX  credit file by Credence Resource Management , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request full validation and verification of this alleged debt. 

1. Nature of the Dispute I do not recognize or owe any debt to XXXX XXXX XXXX, nor have I ever entered into any agreement or business relationship with them. Therefore, the reporting of this account by Credence Resource Management is inaccurate, unverified, and constitutes a violation of my consumer rights under federal law. 

2. Request for Documentation and Validation Under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ), I hereby request that XXXX  : Provide the full validation and verification of the alleged debt from the data furnisher ( Credence Resource Management ), including : A copy of the original signed contract or agreement bearing my signature, proving I authorized this account or transaction. 

Documentation establishing Credence Resource Managements legal right ( assignment or bill of sale ) to collect this debt. 

Proof of permissible purpose under 15 U.S.C. 1681b ( a ) for obtaining, furnishing, and reporting my consumer information to XXXX. 

The name and contact information of any entity or person who verified this account. 

Until such documentation is provided, this alleged account must be deemed unverified and inaccurate. 

3. Violations of Federal Law By reporting or continuing to report this account without proper verification or permissible purpose, both XXXX  and Credence Resource Management may be in violation of : FCRA 1681b ( a ) Permissible purpose for furnishing a consumer report. 

FCRA 1681i ( a ) Duty to reinvestigate disputed information.

FCRA 1681s-2 ( b ) Duty of furnishers to investigate and correct inaccurate information.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Failure to provide proper validation of a debt upon request.

4. Demand for Deletion If Experian can not obtain complete validation within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that this account be immediately deleted from my credit report and that I be sent written confirmation of the deletion. 

5. Notice of Intent Please note that willful noncompliance or continued reporting of unverifiable information may subject XXXX  and the furnisher to civil liability under 15 U.S.C. 1681n and 1681o, including statutory and actual damages, attorneys fees, and costs. 

6. Summary of Requested Action I am requesting : Proof of contract/assignment establishing any alleged relationship. 

Proof of permissible purpose to access and report my file. 

Verification directly from the alleged original creditor, XXXX XXXX XXXX. 

Immediate deletion of this unverifiable and inaccurate item. 

Please send your response and supporting documentation to my address above. 

Sincerely, XXXX XXXX ( Signature ) Date : XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief