Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12411502
Complaint Overview
Complaint ID: 12411502
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: Florida
ZIP Code: 33020
Date Received: 2025-03-10T12:00:00-05:00
Date Sent to Company: 2025-03-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART NETWORK INC/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of 15 U.S. Code 1666b - Request for Removal of Late Payment Dear [ Company Name ], I am writing to formally address a serious issue regarding my account with your company. It has come to my attention that you reported a late payment on my credit report without providing me with the required 21-day notice as mandated by 15 U.S. Code 1666b, which pertains to the timing of payments. As per this law, I should have received written notification prior to any negative reporting regarding my payment status. Since I did not receive this notification, it is evident that there has been a breach of the law on your part. Given this violation, I kindly request the immediate removal of the reported late payment from my credit report. This entry has adversely affected my credit score without just cause, and I believe it is only fair to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to your swift response confirming the removal of the late payment. Thank you for your cooperation. Sincerely, XXXX
Frequently Asked Questions
What is Complaint #12411502 about?
Complaint #12411502 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 2025-03-10T12:00:00-05:00.
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.