Debt collection -- Attempts to collect debt not owed -- Complaint #18894280
Complaint Overview
Complaint ID: 18894280
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 331XX
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Debt Validation Request FDCPA ( 15 USC 1692g Sec. 809 ) To Whom It May Concern, I am writing in reference to an alleged debt your company is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I dispute this debt in its entirety and request full validation. Until proper validation is provided, you must cease all collection activity immediately. According to my credit reports, Credence Resource Management is reporting the following account : Collection Agency : Credence Resource Management ( CREDENCE RM ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Balance : {$3000.00} Status : Collection / Charge-off Comments : Placed for collection Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) As required under federal law, I request the following documentation : XXXX. Proof that I am responsible for this debt : - Original signed contract or agreement with XXXX XXXX XXXX - Documentation connecting my personal information to this alleged debt 2. Complete itemized breakdown of the balance : - Original amount owed - Itemization of all fees, charges, and interest applied - Explanation of how the balance reached {$3000.00} 3. Documentation from the original creditor : - Full account number - Last billing statement - Amount owed at time of transfer 4. Proof Credence RM has legal authority to collect : - Assignment or transfer documentation - Date of transfer - Proof of legal right to collect in my state 5. Proof of your debt collection license : - License number - Issuing agency 6. Additional compliance requirements : - Date the alleged debt became delinquent - Original due date - Confirmation whether the debt is within the statute of limitations Under FDCPA, you must stop all collection activities until full validation is provided. Reporting or attempting to collect an unvalidated debt violates federal law. If you can not provide the required documentation, you must delete this account from all credit bureaus and provide written confirmation of deletion. Failure to validate within the legally required timeframe will result in formal complaints being filed with the CFPB, FTC, Attorney General, and other regulatory agencies. I may also pursue legal action for violations of FDCPA and FCRA.
Frequently Asked Questions
What is Complaint #18894280 about?
Complaint #18894280 was filed against Kriya Capital, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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 (Debt collection) 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.