Debt collection -- Attempts to collect debt not owed -- Complaint #20897015
Identity Theft Claimed in Debt Collection Dispute
Complaint Overview
Complaint ID: 20897015
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: Michigan
ZIP Code: 48205
Date Received: 2026-04-02T12:00:00-05:00
Date Sent to Company: 2026-04-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer alleges identity theft, which, if proven, could invalidate the debt and lead to regulatory scrutiny for the debt collector.
Consumer Sentiment: neutral
Topics: Debt collection, Identity theft, Disputed debt
AI Analysis
CFPB complaint 20897015 was filed against Kriya Capital, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer in Michigan is disputing a debt collection attempt by Kriya Capital, LLC, claiming the debt resulted from identity theft. The complaint was received on April 2, 2026 from Michigan. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers who believe they are victims of identity theft should immediately report it to the credit bureaus and the debt collector, providing any supporting documentation.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed.
Regulatory Insight
Regulators are increasingly focused on ensuring debt collectors verify debts and do not pursue collections based on fraudulent or identity-theft-related accounts.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Michigan, as in other states, consumers have rights under state and federal laws to dispute debts and protect themselves from unfair collection practices.
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 20897015 about?
CFPB complaint 20897015 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 2, 2026.
Which company is complaint 20897015 filed against?
Complaint 20897015 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 20897015?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20897015 filed?
Complaint 20897015 was received by the CFPB on April 2, 2026. It was sent to Kriya Capital, LLC on April 2, 2026.
What state was complaint 20897015 filed from?
Complaint 20897015 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 20897015?
Dispute information is not available for complaint 20897015.
What product category is complaint 20897015 about?
Complaint 20897015 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20897015 submitted?
Complaint 20897015 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 20897015?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from using deceptive or unfair practices, including attempting to collect debts that 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 20897015 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 20897015?
This complaint is rated as medium risk. The risk is medium because the consumer alleges identity theft, which, if proven, could invalidate the debt and lead to regulatory scrutiny for the debt collector.
What regulatory actions apply to complaint 20897015?
Regulators are increasingly focused on ensuring debt collectors verify debts and do not pursue collections based on fraudulent or identity-theft-related accounts. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20897015?
Consumers who believe they are victims of identity theft should immediately report it to the credit bureaus and the debt collector, providing any supporting documentation.
Are there state-specific protections for complaint 20897015?
In Michigan, as in other states, consumers have rights under state and federal laws to dispute debts and protect themselves from unfair collection practices. This complaint was filed from Michigan.
How does complaint 20897015 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 Kriya Capital, LLC take to verify the debt's legitimacy given the identity theft claim?
Kriya Capital, LLC should suspend collection activities and thoroughly investigate the consumer's claim of identity theft, including verifying the original creditor and the circumstances under which the debt was incurred.
What recourse does the consumer have if Kriya Capital, LLC continues to pursue the debt without proper verification?
The consumer can file a formal complaint with the CFPB and potentially pursue legal action against Kriya Capital, LLC for violations of the FDCPA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.