Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11338748
Complaint Overview
Complaint ID: 11338748
Company: Kriya Capital, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Louisiana
ZIP Code: 70072
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the collection account listed by your agency on my credit report, referenced by the account name [ Credit Resource Management ]. I believe this debt is either inaccurate or invalid due to the following reasons : 1. Debt Sold Without Proper Notification : I was not properly notified that the original creditor had sold my debt to your agency. I request proof that you have the legal right to collect this debt. 2. Account Information Discrepancies : Account reported was open XXXX XXXX with a balance of XXXX XXXX. Verification of Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. This includes a copy of the original agreement, proof of the amount owed, and a clear chain of assignment from the original creditor to your agency. Please provide the following documentation to verify the debt : The original signed contract or agreement. Proof that the debt was transferred to your agency and the full chain of ownership. Any relevant statements or records of the debts history. Until the debt is properly verified, I request that you cease reporting this collection account to the credit bureaus. If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report immediately, as it is being reported inaccurately. Please note that under the Fair Debt Collection Practices Act, you are required to respond to my dispute within 30 days. If you do not respond or fail to validate the debt, I request that this entry be removed from my credit report. Thank you for your cooperation in resolving this matter. I look forward to your prompt response.
Frequently Asked Questions
What is Complaint #11338748 about?
Complaint #11338748 was filed against Kriya Capital, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-12-31T12:00:00-05:00.
How did Kriya Capital, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Kriya Capital, LLC?
Yes, visit the Kriya Capital, LLC company profile at readthecomplaint.com/company/kriya-capital-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.