Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8156160
Complaint Overview
Complaint ID: 8156160
Company: Upstart Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Pennsylvania
ZIP Code: 19143
Date Received: 2024-01-14T12:00:00-05:00
Date Sent to Company: 2024-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Upstart Network Inc. In the period from XXXX XXXX XXXX my employer, XXXX, experienced two significant data breaches, exposing sensitive personal information, including Social Security numbers, addresses, birthdates, and account numbers. This breach resulted in multiple instances of personal loans being opened in my name. Specifically, on XX/XX/XXXXXXXX XXXX a loan in the amount of {$5000.00} was applied for with Upstart Network Inc. Despite my attempts to dispute the account, Upstart maintains that their investigation supports the claim that it was indeed my account. I firmly believe that this loan was a result of identity theft, considering the widespread data breaches during the mentioned period. I am seeking the intervention of the CFPB to thoroughly investigate this matter and rectify the situation. The exposure of personal information due to XXXX XXXX data breaches has put me at risk of fraudulent activities, and Upstart 's refusal to acknowledge the possibility of identity theft is deeply concerning. I request that the CFPB investigates this case diligently, considering the broader context of the data breaches and the potential impact on affected individuals. Your assistance in resolving this matter and protecting consumers from the consequences of identity theft is greatly appreciated.
Frequently Asked Questions
What is Complaint #8156160 about?
Complaint #8156160 was filed against Upstart Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-14T12:00:00-05:00.
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.