Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
I am filing this complaint against XXXX XXXX XXXX XXXX for repeated and ongoing false, deceptive, and inaccurate credit reporting to Transunion, XXXX  and Experian. Upstart is engaging in unfair and deceptive practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and this conduct is causing ongoing, irreparable harm to my credit profile. 
Please see attached screenshot XXXX  continue to batter my credit with illegal false reporting offering no remedy for the financial harm they wreak. 
False Delinquency Reporting : On XX/XX/XXXX, XXXX reported my account as 30 days late even though they received my payment on XX/XX/XXXX. They also attempted to charge a {$15.00} late fee for XX/XX/XXXX even though that payment had been made earlyon XX/XX/XXXX. 
Additionally, on XX/XX/XXXX, XXXX falsely reported my payment as 30 days late despite having received that payment on time through ACH auto-draft. These inaccurate delinquencies appear on both my XXXX  and Experian reports and have significantly harmed my credit standing. 

Pattern of Misrepresentation : XXXX  has repeatedly altered and misreported my payment history over the last 27 months, including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries reflect either false late payments or mischaracterized account statuses, despite documentation showing that payments were made on time or were in approved deferment. XXXX  recurring behavior demonstrates an ongoing pattern of inaccurate reporting and deceptive practices. 

I am requesting a full investigation into Upstarts credit reporting practices and immediate correction of all inaccurate information reported to XXXX  and Experian. 
Conclusion : XXXX XXXX XXXX XXXX has engaged in a consistent pattern of false reporting and unauthorized fee collection that is damaging my financial reputation and credit profile. I respectfully request the CFPB investigate these violations, hold XXXX accountable, and ensure that the requested relief is granted. 

Violations : FDCPA Violations : Misrepresenting debt status and engaging in deceptive practices to harm my credit reputation. FCRA Violations : Failure to ensure maximum possible accuracy of information furnished to consumer reporting agencies. UDAP Concerns ( Unfair, Deceptive, or Abusive Acts or Practices ) : False reporting, unauthorized fees, and deliberate actions designed to sabotage my credit score.

Relief Requested : Immediate removal of all inaccurate late payment notations from my XXXX  and Experian credit reports, including but not limited to entries dated XX/XX/XXXX, and prior dates listed above. A full investigation into XXXX XXXX XXXX XXXX credit reporting practices. Refund of all unauthorized {$15.00} fees charged to my bank account in XXXX, totaling {$220.00}. Assurance that future payments will be accurately reported in compliance with FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation