Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and unverified credit reporting on my credit report. Despite my efforts to dispute these inaccuracies directly with the credit bureaus and furnishers, the information remains incorrect and unverified. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, credit bureaus and furnishers are required to ensure maximum possible accuracy and to conduct a reasonable investigation when disputes are filed. However, they have failed in their duty to correct these errors, causing significant harm to my financial standing. These inaccuracies have resulted in an incorrect reflection of my creditworthiness, leading to loan denials and higher interest rates, which have adversely impacted my financial situation. Disputed Accounts UPSTART NETW Account # : XXXX ( XXXX ) Issue : Duplicate derogatories and unverifiable debt Violation ( XXXX ) : FCRA 1681e ( b ), 1681i UPSTART NETWORK INC. Account # : XXXX ( XXXX ) Issue : Unverifiable debt and outdated charge-off Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX Account # : XXXX ( XXXX ) XXXX : Unverifiable debt and duplicate derogatories Violation ( s ) : FCRA 1681e ( b ), 1681i TXXXX Account # : XXXX ( XXXX ) Issue : Incorrect status reporting Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX Account # : XXXX ( XXXX ) Issue : Incorrect status reporting Violation ( XXXX ) : FCRA XXXX ( b ), XXXX FCC/TBOM Account # : XXXX ( XXXX ) Issue : Incorrect status reporting Violation ( XXXX XXXX : FCRA XXXX ( b ), XXXX XXXX XXXX Account # : XXXX ( TXXXX XXXX XXXX ) Issue : Dispute resolved but incorrect status remains Violation ( s ) : FCRA 1681e ( b ), 1681i Hard Inquiry Disputes XXXX XXXX Date of inquiry : XXXX Bureau ( XXXX ) reporting it : TransUnion Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX Date of inquiry : XXXX Bureau ( XXXX ) reporting it : XXXX Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : TransUnion Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX AUT Date of inquiry : XXXX Bureau ( XXXX ) reporting it : TransUnion Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX Info Discrepancies Incorrect names : XXXX XXXX ; XXXX XXXX Correct name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX Correct address : XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect DOBs : XXXX Correct XXXX : XXXX Legal Reference : FCRA 1681e ( b ) Legal Basis FCRA 1681i, 1681s-2, 1681e ( b ) Metro 2 guidelines - Industry standard for data formatting Consumer Harm The XXXXnaccuracies in my credit report have led to multiple loan denials, higher interest rates on credit facilities, and have caused significant financial stress and potential employment issues due to the misrepresentation of my creditworthiness. Requested Resolution Permanent deletion of unverifiable/inaccurate items Full reinvestigation and documentation Correction of any illegal or incorrect reporting

Company response to consumer: Closed with explanation