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 |
|---|---|---|---|
| Jul 24, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 23, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 23, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 23, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 23, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 20, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 20, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 20, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jul 20, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 17, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 16, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 16, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 15, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 13, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 13, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Jul 13, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 12, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 12, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 11, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 11, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Jul 10, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 10, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 9, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 9, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 8, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 6, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jul 5, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
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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