Debt collection -- Attempts to collect debt not owed -- Complaint #20917708
Identity Theft Claim Challenges Debt Collection
Complaint Overview
Complaint ID: 20917708
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: Utah
ZIP Code: 84095
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
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 consumer harm and regulatory scrutiny if not handled properly.
Consumer Sentiment: mixed
Topics: Debt Collection, Identity Theft, Consumer Protection
AI Analysis
CFPB complaint 20917708 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 3, 2026 from Utah. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should immediately report any suspected identity theft to the credit bureaus and the Federal Trade Commission, and gather all evidence to support their claim.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair practices.
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
Utah's consumer protection laws may also apply, offering additional recourse for consumers facing unfair debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt validity, including those arising from identity theft, frequently occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20917708 about?
CFPB complaint 20917708 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 3, 2026.
Which company is complaint 20917708 filed against?
Complaint 20917708 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 20917708?
Kriya Capital, LLC responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20917708 filed?
Complaint 20917708 was received by the CFPB on April 3, 2026. It was sent to Kriya Capital, LLC on April 3, 2026.
What state was complaint 20917708 filed from?
Complaint 20917708 was filed from Utah. You can view all complaints from this state at /state/UT.
Was the consumer satisfied with the resolution of complaint 20917708?
Dispute information is not available for complaint 20917708.
What product category is complaint 20917708 about?
Complaint 20917708 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20917708 submitted?
Complaint 20917708 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 20917708?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair practices. This relates to a Debt collection complaint against Kriya Capital, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20917708 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 20917708?
This complaint is rated as high risk. The high risk stems from the potential for identity theft, which can lead to significant consumer harm and regulatory scrutiny if not handled properly.
What regulatory actions apply to complaint 20917708?
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 20917708?
Consumers should immediately report any suspected identity theft to the credit bureaus and the Federal Trade Commission, and gather all evidence to support their claim.
Are there state-specific protections for complaint 20917708?
Utah's consumer protection laws may also apply, offering additional recourse for consumers facing unfair debt collection practices. This complaint was filed from Utah.
How does complaint 20917708 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt validity, including those arising from identity theft, frequently occur.
What steps should a consumer take if they believe a debt collector is attempting to collect a debt that resulted from identity theft?
The consumer should immediately notify the debt collector in writing that the debt is disputed and that they believe it is a result of identity theft. They should also file a police report and an identity theft affidavit with the Federal Trade Commission (FTC).
What are the obligations of a debt collector when a consumer claims identity theft?
Upon receiving written notice of a dispute and a claim of identity theft, the debt collector must cease collection activities until they have verified the debt and the consumer's obligation. They must also provide validation of the debt to the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.