Vehicle loan or lease -- Incorrect information on your report -- Complaint #12660167
Complaint Overview
Complaint ID: 12660167
Company: Upstart Holdings, INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 75104
Date Received: 2025-03-24T12:00:00-05:00
Date Sent to Company: 2025-03-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Dispute of Late Payments I am writing to formally dispute the accuracy of the late payment reported on my account as per my recent credit report. I believe this late payment is inaccurate and request that you investigate and correct this entry in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ). According to 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), a consumer is entitled to dispute inaccurate information on their credit report. I respectfully request that you thoroughly review the payment history of my account and correct the record if the late payment is not substantiated Please provide me with a response within the time frame stipulated by the FCRA ( typically 30 days from receipt of this dispute ). If you find that the late payment is reported in error, I request that you promptly update my credit report to reflect the accurate information. Thank you for your attention to this matter. I expect a resolution at your earliest convenience. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12660167 about?
Complaint #12660167 was filed against Upstart Holdings, INC. regarding Vehicle loan or lease specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-24T12:00:00-05:00.
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 (Vehicle loan or lease) 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.