Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #20812019

CFPB complaint 20812019 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against Kriya Capital, LLC on March 31, 2026.

Complaint 20812019 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 20812019 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.

Complaint 20812019 was filed from Texas. You can view all complaints from this state at /state/TX.

Dispute information is not available for complaint 20812019.

Complaint 20812019 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 20812019 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

This case falls under the Fair Credit Reporting Act (FCRA), which governs the collection, dissemination, and use of consumer credit information. This relates to a Credit reporting or other personal consumer reports complaint against Kriya Capital, LLC involving "Improper use of 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 complaint suggests Kriya Capital may have violated regulations regarding the permissible uses of consumer credit reports, potentially leading to penalties if found liable.

Regulatory bodies will examine whether Kriya Capital had a permissible purpose for accessing and using the consumer's report as defined by the FCRA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should be aware of their rights regarding credit report access and usage and file complaints if they suspect misuse.

The complaint originated in Texas, and state-specific consumer protection laws may also be relevant. This complaint was filed from Texas.

Improper use of credit reports is a recurring issue within the financial services industry, often involving entities that access consumer data.

Improper use occurs when a credit report is accessed or used for a purpose not permitted by the FCRA, such as for employment decisions without proper authorization or for marketing purposes without consent.

Consequences can include actual damages, statutory damages, punitive damages, and attorney's fees, as well as potential enforcement actions by regulatory agencies.