Debt collection -- Attempts to collect debt not owed -- Complaint #20818364
Identity Theft Claim in Debt Collection Dispute
Complaint Overview
Complaint ID: 20818364
Company: Kriya Capital, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Georgia
ZIP Code: 30076
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: high
The high risk stems from the potential for identity theft to lead to significant financial harm and legal complications for the consumer, as well as regulatory scrutiny for the debt collector.
Consumer Sentiment: negative
Topics: Debt Collection, Identity Theft, Consumer Protection
AI Analysis
CFPB complaint 20818364 was filed against Kriya Capital, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer is disputing a debt collection attempt by Kriya Capital, LLC, claiming the debt is the result of identity theft. The complaint was received on March 31, 2026 from Georgia. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers facing debt collection for a debt they believe is due to identity theft should immediately gather evidence of the theft, file a police report, and formally dispute the debt with the collection agency and credit bureaus.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, which would include attempting to collect a debt that is not legally owed by the consumer.
Regulatory Insight
Regulators are increasingly focused on ensuring debt collectors verify debts and have proper documentation, especially when consumers raise claims of identity theft.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Georgia, consumers have rights under state law to dispute debts and protect themselves from unfair collection practices, in addition to federal protections.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt validity and identity theft claims frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20818364 about?
CFPB complaint 20818364 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This complaint was filed against Kriya Capital, LLC on March 31, 2026.
Which company is complaint 20818364 filed against?
Complaint 20818364 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 20818364?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20818364 filed?
Complaint 20818364 was received by the CFPB on March 31, 2026. It was sent to Kriya Capital, LLC on March 31, 2026.
What state was complaint 20818364 filed from?
Complaint 20818364 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 20818364?
Dispute information is not available for complaint 20818364.
What product category is complaint 20818364 about?
Complaint 20818364 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20818364 submitted?
Complaint 20818364 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 20818364?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, which would include attempting to collect a debt that is not legally owed by the consumer. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20818364 to be resolved?
Resolution likelihood: likely. 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 20818364?
This complaint is rated as high risk. The high risk stems from the potential for identity theft to lead to significant financial harm and legal complications for the consumer, as well as regulatory scrutiny for the debt collector.
What regulatory actions apply to complaint 20818364?
Regulators are increasingly focused on ensuring debt collectors verify debts and have proper documentation, especially when consumers raise claims of identity theft. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20818364?
Consumers facing debt collection for a debt they believe is due to identity theft should immediately gather evidence of the theft, file a police report, and formally dispute the debt with the collection agency and credit bureaus.
Are there state-specific protections for complaint 20818364?
In Georgia, consumers have rights under state law to dispute debts and protect themselves from unfair collection practices, in addition to federal protections. This complaint was filed from Georgia.
How does complaint 20818364 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt validity and identity theft claims frequently arise.
What steps should Kriya Capital, LLC take to verify the debt given the identity theft claim?
Kriya Capital, LLC should cease collection efforts until they can provide clear proof that the debt is valid and belongs to the consumer, and investigate the identity theft claim thoroughly.
What recourse does the consumer have if Kriya Capital, LLC continues to pursue the debt?
The consumer can file a formal complaint with the CFPB and relevant state agencies, and may have grounds to sue the debt collector for violations of the FDCPA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.