Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9981439
Complaint Overview
Complaint ID: 9981439
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: New York
ZIP Code: 11224
Date Received: 2024-08-30T12:00:00-05:00
Date Sent to Company: 2024-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Upstart Network Inc. Re : Fraudulent Account - Account Number XXXX To Whom It May Concern : I am writing to dispute the Upstart account listed on my credit report ( account number XXXX ) as fraudulent. I have no knowledge of this account and believe it was opened fraudulently without my authorization. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report. The presence of this fraudulent account is causing harm to my credit standing and financial well-being. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX prohibits deceptive acts or practices in the conduct of any business, trade, or commerce. The reporting of this fraudulent account to credit bureaus constitutes a deceptive practice that is harming me. I demand that you immediately investigate this matter and take the following actions : Remove the fraudulent account from my credit report. Cease all further reporting of this account to credit bureaus. Provide me with a written confirmation that these actions have been taken.
Frequently Asked Questions
What is Complaint #9981439 about?
Complaint #9981439 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 2024-08-30T12:00:00-05:00.
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.