Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX via legal representation XXXX XXXX XXXX have Counterfeited Debt and Loans through XXXX XXXX XXXX XXXX in loans Upstart Network INC account XXXX and Upstart Network INC/F account XXXX and are Fraudulently suing me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The two Counterfeit and Fraudulent loans are reported to XXXX XXXX XXXX XXXX Only!!! In that, XXXX, XXXX, Upstart Financial, XXXX XXXX XXXX XXXX XXXX nor myself have any record of said loans, as I have complete documentation of my entire loan history and any accounts in collection, as well as Letters of Verification with Proof of Assignment from collection accounts. Not Only have XXXX XXXX XXXX via legal representation Law Firm of XXXX XXXX XXXX failed to provide ValidProof of Assignment, Signed Documentation from the Original Creditor Financial Documentation DetailIng Repayment History and the Total Principal Balance to the Courts as required by XXXX, they have FLAT OUT refused to provide them to me via Discovery on a Court Ordered Case Management Conference regarding case XXXX with legal counsel XXXX XXXX XXXX of XXXX XXXX XXXX. I informed plaintiff 's legal counsel XXXX XXXX XXXX that loans Upstart Network INC account XXXX and Upstart Network INC/F account XXXX are Counterfeit and Fraudulent as well as was the Notarizatied Documentation submitted by filing attorney XXXX XXXX XXXXXXXX ( who has since returned to Dismuke Law as a Personal Injury Attorney ) in the filing of their Memorandum of Law. I informed attorney XXXX XXXX XXXX that I was currently representing pro se as I was still seeking legal representation, as I had not received any of the legally required notifications, until receiving the Court 's Summons I knew nothing of XXXX XXXX as I have never done business with them. I also informed attorney XXXX XXXX XXXX that due to the two Fraudulent Lawsuits I have suffered loss of employment as of XX/XX/XXXX, and I require Proof of Assignment, Signed Documentation from the Original Creditor, Financial Documentation DetailIng Repayment History and Total Principal Balance before coming to a settlement. I informed attorney XXXX XXXX XXXX that the Notarizatied Documentation was Fraudulent and Counterfeit in that it lacks the Borrower 's Full Legal Name, Date of Birth, Social Security Number, as required under Statutes 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act so how does he know that I am the actual debtor??? I informed attorney XXXX XXXX XXXX that the Notarizatied Documentation was Counterfeit and Fraudulent in that it lacks any Loan ID, Borrower ID, Application ID, Creditor ID, Lender ID, Verifiable Signatures, Signature Dates, or any Dates at all as required under Regulation Z of the Truth In Lending Act as all information is Missing and or Redacted. I Informed attorney XXXX XXXX XXXX that the submitted Notarizatied Documentation was Counterfeit and Fraudulent in that it lacked my TIN as required under IRS Tax Code. I informed attorney XXXX XXXX XXXX that the Notarizatied Documentation was Counterfeit and Fraudulent in that it failed to meet NOT ONLY State and Federal Statutes regarding Closed Ended Financial Contracts and or Promissory Notes, it failed to meet the recognized Legal Standards in the State of Florida in a Legal/Financial Contract, in that it failed the provide a Valid Verifiable Signature of Either Party and XXXX Signature Dates, nor could XXXX XXXX XXXXXXXX prove that any goods were exchanged or received as all Loan/Contract Information was Redacted and or Missing. I questioned attorney XXXX XXXX XXXX as to what was Lasted Updated XX/XX/XXXX as printed under the Missing Signature Dare and Redacted Signature??? I questioned attorney XXXX XXXX XXXX as to why all Notarized Documentation appears Photocopied as all documentation looks fabricated as well. Page text printed on top of Copy Text??? As per Federal Statute all Financial Documentation Promissory Note must be printed on Watermarked Original Text or Copy Text Paper??? I questioned attorney XXXX XXXX XXXX as to why he used legal terminology for Financial Contract Start/Stop Dates in his Memorandum of Law in case XXXX, as per Federal and State Statutes those dates have to be Exact!!! and to why in his XXXX of XXXX in case XXXX no Start/Stop Dates are listed??? I questioned attorney XXXX XXXX XXXX as to why NONE of the DATES on the Bill of Sale Match any Dates on loan info listed on XXXX XXXX XXXX XXXX Only??? or on his Memorandum of Law or Promissory Note as nothing matches??? I questioned attorney XXXX XXXX XXXX why all calls coming from the Law Firm of XXXX XXXX PA are spam/phishing in nature??? I questioned attorney XXXX XXXX XXXX why the documentation sent with the Court 's Summons was engineered in a way to look like a Scam with Visual Distortion in the text of the Contract Page, White Out over the alleged Signature ( everybody knows you can not put White Out on a Legal Document ) and other Subliminal Type Context??? To which attorney XXXX XXXX XXXX just smiled and stated that since my Name ( Not Full Legal or any other Legally Recognized Personal Identification ) is on his paper and I performed my Civic Responsibility in answering the Court 's Summons I should just settle with him, as he was not going to provide me with the requested Legal Documentation I requested as he had filed a Summary Motion for Judgment as soon as I answered the Court 's Summons. Attorney XXXX XXXX XXXX had no Legal, Just Ways or Means to deny my request for Discovery as the Judge in each case had not ruled on his motion. I have already filed a Criminal Fraud Report with the XXXX XXXX XXXX XXXX, State Attorney for XXXX XXXX, Florida State 's Attorney General 's XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation