Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX And To All Creditors and Furnishers of Information, Including But Not Limited To : Here are the mailing addresses for the headquarters or dispute resolution departments for the creditors listed in your document.

Financial Institutions and Government Agencies * XXXX XXXX  XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXX, NY XXXX * XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SUBJECT : CEASE AND DESIST ; DEMAND FOR ACCURATE REPORTING AND NOTICE OF LEGAL ACTION REGARDING A VULNERABLE ADULT 'S CONSUMER AND CREDIT RIGHTS To Whom It May Concern : This letter serves as a formal and unequivocal demand that you fulfill your legal obligations under federal and XXXX  state law. I am a resident of the state of Washington and identify as a XXXX and vulnerable person, entitled to all protections afforded under the law. My consumer and credit rights are not negotiable. 
The Fair Credit Reporting Act ( FCRA ) and state statutes mandate that youthe credit bureaus and all who furnish information to themmust ensure the absolute and complete accuracy of the data on my credit profile. Any deviation from this standard is a violation of my rights and a direct cause of financial and emotional harm. 
Let me be perfectly clear : I am monitoring my credit reports from all three major bureaus with exacting scrutiny. Should I discover a single piece of inaccurate, incomplete, or unverifiable information that you have reported or are maintaining, I will immediately initiate legal proceedings. I will file a massive lawsuit against your organizations for every violation, seeking the maximum statutory, actual, and punitive damages allowed by law. This will be a lawsuit from which you will not recover. 
I'm doing these things because the creditors and the credit bureaus do not want to listen to me they think that I do not know what time talking about and so if you do not do what I ask then the following will happen. 
Your failure to allow me to have a good and, above all, accurate financial history is a direct threat to my well-being. By reporting anything less than the complete truth, you are actively harming a vulnerable adult. In my opinion, these actions are tantamount to putting a bullet in a vulnerable adult 's head. 
I was facing significant personal challenges as a XXXX and vulnerable individual, which unfortunately impacted my ability to manage my financial obligations as diligently as I would have liked. 
Since that time, I have worked hard to resolve all my debts and maintain a positive financial record, as evidenced by the current " Paid '' status of my account and reporting accurately to all three major credit bureaus. 
As I continue to build a secure financial future, having a completely positive credit history is essential. I am asking for your compassion and respectfully request that you consider if any and all past negative mark from my credit reports to have a clear and accurate reporting to all three major credit bureaus. 
Moving forward, I trust that you will continue to uphold your commitment to furnishing complete and accurate information to the credit bureaus. Ensuring good, accurate reporting is vital for consumers like me, and I am confident we share the goal of maintaining a fair and precise credit history. 
If this continues, I will not confine my response to the courtroom. I will come to each of your corporate offices. I will get on my knees and I will make it known to the public and the media that your actions make me feel as though you are trying to physically harm me. I will ensure the world sees how your institutional negligence threatens and persecutes the vulnerable. 
This is your only notice. I demand that you review and verify every single entry associated with my name and social security number to ensure full compliance with the law. Govern yourselves well and accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation