Debt collection -- Attempts to collect debt not owed -- Complaint #20864113
Identity Theft Claimed in Debt Collection Dispute
Complaint Overview
Complaint ID: 20864113
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: Alabama
ZIP Code: 35080
Date Received: 2026-04-01T12:00:00-05:00
Date Sent to Company: 2026-04-01T12:00:00-05:00
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, which can lead to significant financial harm and legal complications for the consumer if not resolved properly.
Consumer Sentiment: negative
Topics: Debt collection, Identity theft, Disputed debt
AI Analysis
CFPB complaint 20864113 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 April 1, 2026 from Alabama. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should immediately gather all evidence of identity theft and dispute the debt in writing with the debt collector, providing copies of relevant documentation.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot use deceptive or unfair practices, and consumers have rights to dispute debts they believe are not owed.
Regulatory Insight
This case highlights the importance of robust identity verification processes for debt collectors to prevent the collection of fraudulent debts.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Alabama, and state laws may offer additional protections or avenues for recourse regarding debt collection and identity theft.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt validity, especially those involving identity theft, frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20864113 about?
CFPB complaint 20864113 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 April 1, 2026.
Which company is complaint 20864113 filed against?
Complaint 20864113 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 20864113?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20864113 filed?
Complaint 20864113 was received by the CFPB on April 1, 2026. It was sent to Kriya Capital, LLC on April 1, 2026.
What state was complaint 20864113 filed from?
Complaint 20864113 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 20864113?
Dispute information is not available for complaint 20864113.
What product category is complaint 20864113 about?
Complaint 20864113 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20864113 submitted?
Complaint 20864113 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 20864113?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot use deceptive or unfair practices, and consumers have rights to dispute debts they believe are not owed. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20864113 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 20864113?
This complaint is rated as high risk. The high risk stems from the potential for identity theft, which can lead to significant financial harm and legal complications for the consumer if not resolved properly.
What regulatory actions apply to complaint 20864113?
This case highlights the importance of robust identity verification processes for debt collectors to prevent the collection of fraudulent debts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20864113?
Consumers should immediately gather all evidence of identity theft and dispute the debt in writing with the debt collector, providing copies of relevant documentation.
Are there state-specific protections for complaint 20864113?
The complaint originated in Alabama, and state laws may offer additional protections or avenues for recourse regarding debt collection and identity theft. This complaint was filed from Alabama.
How does complaint 20864113 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt validity, especially those involving identity theft, frequently arise.
What steps should the consumer take to formally dispute the debt with Kriya Capital and the credit bureaus?
The consumer should send a certified letter to Kriya Capital disputing the debt and requesting validation, and also file disputes with the major credit bureaus (Equifax, Experian, TransUnion) providing evidence of identity theft.
What recourse does the consumer have if Kriya Capital continues to pursue the debt despite evidence of identity theft?
If Kriya Capital fails to cease collection efforts after proper dispute and evidence submission, the consumer may consider filing a complaint with the CFPB, their state Attorney General, or consulting with an attorney specializing in consumer protection law.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.