Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
FRAUD ALERT : Proof of Charge -Off was Previously requested by Borrowers to Creditors directly on XX/XX/XXXX. UPSTART Ignored verification Request, Fraudulently certified an FCRA INVESTIGATION was conducted. The predatory lending company engaged in gross unlawful misconduct by verifying accurate credit reporting with knowledge furnished defaults are inaccurate, falseand non verifiable on XX/XX/XXXX to XXXX. Please Note : This complaint DOES NOT APPLY to XXXX or XXXX ; however is ONLY to show evidence of Borrower attempts to contact Creditors and Creditors refusal to abide by FCRA GUIDELINES. XXXX has deleted UPSTART ACCOUNT DUE TO LACK OF EVIDENCE AND IMPROPERLY FURNISHED ACCOUNT ATTENTION CFPB : FRAUD ALERT ACTION REQUIRED : re UPSTART XXXX PREDATORY LENDING AND DEBT COLLECTION PRACTICES : Upstart Network Inc/f d/b/a Upstart XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX refused to disclose 1099-C, Fraudulently reported Post Bankruptcy XX/XX/XXXX and Refused to provide Dates of Account Transfer & Report Included In XXXX XXXX Status : RE : Acct. # XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX. Admitted Lenders Fraud Activity to CFPB via complaint response XX/XX/XXXX ( {$2400.00} ) Since Upstart believes so strongly in their collective efforts and/or their burden of proof ; in addition to civil legal action borrower has launched a formal complaint with the IRS. Borrower provided the Internal Revenue Services ; Business Tax Fraud Investigations Division ; copies of all documentation and requested UPSTARTS Business Taxes be Audited and a fraud investigation be conducted specifically to determine Upstarts Financials write-off accounts are properly verified. As well as companys internal financial reports specifically regarding retention protocols and governance procedures.

This communication is for the purposes of documenting facts related to fraud and identity theft. XXXX XXXX has allowed Upstart XXXX XXXX to furnish a non-existent credit account. The account consumer obtained was with Upstart XXXX, opened in XXXX. This account was included and Discharged in my XX/XX/XXXX XXXX XXXX Bankruptcy. Any and all accounts furnished beyond XX/XX/XXXX are fraudulent. 

On XX/XX/XXXX, Upstart XXXX XXXX began fraudulently reporting. From XX/XX/XXXX to XX/XX/XXXX Upstart XXXX XXXX, had fraudulently obtained access to my Credit Profiles and falsified financial records of derogatory accounts that were never obtained by consumer.

I have attached clear and concise evidence of Upstart XXXX XXXX fraud. XXXX XXXX complicity in said fraud. Upstart XXXX XXXX and XXXX XXXX direct disobedience of consumers Federal Bankruptcy Protection Authority. 

XXXX XXXX is responsible for everything you publish, even when the information comes from a third party. Therefore, you can be found liable for repeating a defamatory statement from a source; even attributing that source will not shield you from a lawsuit XXXX XXXX attempt to claim plausible deniability does not apply. By law, prima facie defamation, a plaintiff must show four things : 1 ) a false statement purporting to be fact ; 2 ) publication or communication of that statement to a third person ; 3 ) fault amounting to at least negligence ; and 4 ) damages, or some harm caused to the reputation of the person or entity who is the subject

Company response to consumer: Closed with explanation