Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20809511

CFPB complaint 20809511 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Old information reappears or never goes away". This complaint was filed against Kriya Capital, LLC on March 31, 2026.

Complaint 20809511 was filed against Kriya Capital, LLC. You can view all complaints against this company on their profile page at /company/kriya-capital-llc.

Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.

Complaint 20809511 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.

Complaint 20809511 was filed from Louisiana. You can view all complaints from this state at /state/LA.

Dispute information is not available for complaint 20809511.

Complaint 20809511 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 20809511 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information, requiring furnishers and credit bureaus to investigate disputes. This relates to a Credit reporting or other personal consumer reports complaint against Kriya Capital, LLC involving "Incorrect information on your report".

Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The reappearance of old information on a credit report can negatively impact a consumer's credit score and ability to obtain new credit, especially if the information is inaccurate or outdated.

Credit reporting agencies must investigate consumer disputes within a reasonable timeframe, and furnishers must review and correct any inaccurate information. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should carefully review their credit reports for any inaccuracies, dispute them with the credit reporting agency and the creditor, and keep detailed records of all communication.

In California, consumers have rights under state law to dispute credit report errors, in addition to federal protections. This complaint was filed from Louisiana.

This issue is common in the credit reporting industry, where errors or outdated information can persist on consumer reports.

Under the FCRA, credit reporting agencies generally have 30 days to investigate a dispute, with a possible extension to 45 days if additional information is provided by the consumer.

While a creditor may be able to legally report past-due debt, the ability to collect on that debt may be limited by the statute of limitations, and reporting it as current or active could be misleading.