Credit reporting
Upstart credit reporting complaints
Consumers have filed 1,651 complaints about Upstart's credit reporting, 599 in the last 12 months (+24%). Upstart answered 100% on time and closed 0% with relief. See the whole Upstart record.
Upstart against other credit bureaus & report companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | TransUnion | 2,331,811 | 100% | 41% |
| 2 | Experian | 2,053,038 | 99.9% | 13% |
| 3 | Equifax | 2,003,445 | 99.9% | 40% |
| 4 | LexisNexis | 36,424 | 99.4% | 25% |
| 5 | CBC Companies | 22,776 | 100% | 53% |
| 6 | Capital One | 10,567 | 100% | 15% |
| 7 | FIS (Fidelity National Information Services) | 6,930 | 100% | 0% |
| 8 | Resurgent Capital Services | 5,816 | 99.9% | 21% |
| 9 | Early Warning Services (Zelle) | 4,540 | 100% | 0% |
| 10 | CL Holdings | 4,485 | 100% | 45% |
| 11 | Citibank | 4,468 | 100% | 48% |
| 12 | Bank of America | 4,455 | 99.4% | 13% |
| 13 | Upstart | 599 | 100% | 0% |
Latest Upstart credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | In progress |
| Oct 26, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 26, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | In progress |
| Oct 24, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | In progress |
| Oct 24, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesBilling dispute for services | Explained |
| Oct 23, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | In progress |
| Oct 22, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | In progress |
| Oct 22, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 21, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 20, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 20, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | In progress |
| Oct 19, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 19, 2026 | Credit reporting | Problem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phone | In progress |
| Oct 19, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Oct 18, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 16, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 16, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 16, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 15, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 15, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 15, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 14, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 14, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Oct 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 14, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 13, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 13, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 9, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Oct 9, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | In progress |
Your rights with credit bureaus & report companies
Under the Fair Credit Reporting Act you can dispute anything inaccurate or incomplete on your report, and the credit bureau generally has to investigate within 30 days (45 in some cases) and fix or delete what it cannot verify. You are entitled to free reports from each nationwide bureau at annualcreditreport.com, and you can place a fraud alert or a free security freeze.
Scam warning: Nobody can legally remove accurate negative information from your report - be wary of anyone promising to. The only official site for your free reports is annualcreditreport.com.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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