Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validation of a debt request Pursuant to 15 U.S. Code 1692 ( g ) ( b ) Cease and desist Pursuant to 15 U.S. Code 1692 ( C ) ( c ) I recently received communication from you attempting to collect the above listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago.

Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety, Further, I request verification if the alleged debt, specifically a copy of an original contract or agreement, said original or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above listed debt and money that I do not owe you.

Cease and desist all collection activity including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting to consumer reporting agencies. If you comply with my request above within 14 days, then you are excused from verification.

Furthermore, pursuant to 15 U.S. Code 1692 ( e ) ( 3 ) False or misleading representations a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from you XXXX XXXX XXXX, XXXX have no right under the law to send me any type of communication whatsoever. Cease and desist all communication immediately. 
Furthermore, you XXXX XXXX XXXX, XXXX are attempting to collect an alleged debt where the so-called original creditor has falsely represented the character other violation under 15 U.S. Code 1692 ( e ) that you are implementing yourself.

Violation : 15 U.S. Code 1692 ( b ) ( 5 ) 15 U.S. Code 1692 ( 2 ) ( A ) 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692 ( 6 ) ( B ) 15 U.S. Code 1692 ( 9 ) 15 U.S. Code 1692 ( 10 ) 15 U.S. Code 1692 ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 ) This letter is CCed to the Bureau of Consumer Protection Finance as evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter fully and related information herein. Be advised if you fail to comply with this demand letter I may turn this matter over to an attorney. Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violation under this subchapter plus all remedies and actual damages as result of your failure pursuant to 15 U.S. Code 1692 ( K ).

If your office is able to provide the proper documentations requested in the following declaration, I will require at least 30 days to investigate this information during which time all collection activity shall CEASE and DESIST. Also, during this validation period if any action is taken which could be considered detrimental to any of my credit reports. I will consult my legal counsel for suit. This includes any listing of information to a credit reporting repository/agency that could be inaccurate or invalidated. If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from any consumer report and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX I have not received a copy of the validated report from the debt collector within the last 30 days, so this is in complete violation along with other violation of consumer law. This company is in complete violation in communication after the date of receipt to cease and desist communication with this consumer documentation is attached of constant communication and there are constant phone communications which is documented but no validation of the debt. I demand deletion of this debt that you alleged I owe.

Company response to consumer: Closed with explanation