Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #20812767
Kriya Capital Accused of Improper Credit Report Use
Complaint Overview
Complaint ID: 20812767
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: Texas
ZIP Code: 76065
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The complaint alleges that Kriya Capital, LLC improperly used the consumer's credit report, which could lead to violations of the Fair Credit Reporting Act (FCRA) if substantiated.
Consumer Sentiment: neutral
Topics: Credit reporting, Improper use of report
AI Analysis
CFPB complaint 20812767 was filed against Kriya Capital, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint against Kriya Capital, LLC for the improper use of their credit report. The complaint was received on March 31, 2026 from Texas. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should review their credit reports regularly and dispute any inaccuracies or unauthorized inquiries with the credit reporting agency and the company that accessed the report.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the collection, dissemination, and use of consumer credit information.
Regulatory Insight
Companies must have a permissible purpose to access a consumer's credit report, and improper use can result in significant penalties.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Texas, and state-specific consumer protection laws may also apply.
Industry Comparison
Improper use of credit reports is a recurring issue across the financial services industry, impacting various types of lenders and data furnishers.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20812767 about?
CFPB complaint 20812767 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.
Which company is complaint 20812767 filed against?
Complaint 20812767 was filed against Kriya Capital, LLC. You can view all complaints against this company on their profile page at /company/kriya-capital-llc.
What was the company's response to complaint 20812767?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20812767 filed?
Complaint 20812767 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20812767 filed from?
Complaint 20812767 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 20812767?
Dispute information is not available for complaint 20812767.
What product category is complaint 20812767 about?
Complaint 20812767 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 20812767 submitted?
Complaint 20812767 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20812767?
The Fair Credit Reporting Act (FCRA) 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".
How likely is complaint 20812767 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20812767?
This complaint is rated as medium risk. The complaint alleges that Kriya Capital, LLC improperly used the consumer's credit report, which could lead to violations of the Fair Credit Reporting Act (FCRA) if substantiated.
What regulatory actions apply to complaint 20812767?
Companies must have a permissible purpose to access a consumer's credit report, and improper use can result in significant penalties. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 20812767?
Consumers should review their credit reports regularly and dispute any inaccuracies or unauthorized inquiries with the credit reporting agency and the company that accessed the report.
Are there state-specific protections for complaint 20812767?
The complaint originated in Texas, and state-specific consumer protection laws may also apply. This complaint was filed from Texas.
How does complaint 20812767 compare to industry norms?
Improper use of credit reports is a recurring issue across the financial services industry, impacting various types of lenders and data furnishers.
What constitutes 'improper use' of a credit report under the FCRA?
Improper use can include accessing a report without a permissible purpose, using information from a report for discriminatory practices, or failing to follow FCRA requirements for adverse action notices.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.