Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
To whom it may concern This notice is being sent to you in response to multiple items being furnished on my consumer report that I did not authorize. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore the same is furnished in your report. In accordance with the Fair Credit Reporting Act, my rights as a consumer are continuously being violated. Continued reinvestigation of two alleged accounts after already having submitted identity theft reports. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 604 states a consumer reporting agency ie ( XXXX, XXXX, XXXX ) CAN NOT FURNISH my information without my written consent. 

MY CONSUMER FILE IS BEING UNREASONABLY TAMPERED WITH. I do not recall having ever signed an official contract with any of the above companies for you to be furnishing information. 

Fraudulent account : Upstart Network Inc 's account including all alleged late payments which according to USC 1666b should not be reported on my consumer report either. XXXX XXXX Account If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. I have also attached a handwritten letter describing other ways my rights are being violated. Again I do not have a lawful contract with any of the following companies. XXXX, XXXX, XXXX, Upstart. Therefore none of these companies should be furnishing my information. If any of these parties attempt to get me to contract with them further it will be a violation of 18 USC 1341 frauds and swindles and will be reported to the authorities.

" Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. ''

Company response to consumer: Closed with explanation