Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11442600
Complaint Overview
Complaint ID: 11442600
Company: Upstart Holdings, INC.
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: Kansas
ZIP Code: 660XX
Date Received: 2025-01-08T12:00:00-05:00
Date Sent to Company: 2025-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XXXX XX/XX/XXXX I was informed that InDebted had taken over my account from UpstartXXXX. The amount was XXXX. On XXXX XX/XX/XXXX contacted XXXX with a verification letter. On XXXX XX/XX/XXXX contacted XXXX with a validation letter requesting a purchase agreement. XXXX XX/XX/XXXX XXXX responded saying the account was closed. The purchase agreement was never disclosed and without that agreement the current amount is inaccurate. Furthermore, if the account is closed it should reflect on all credit reporting agencies. I have attached all letters and their response.
Frequently Asked Questions
What is Complaint #11442600 about?
Complaint #11442600 was filed against Upstart Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-01-08T12:00:00-05:00.
How did Upstart Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Upstart Holdings, INC.?
Yes, visit the Upstart Holdings, INC. company profile at readthecomplaint.com/company/upstart-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.