Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12719180
Complaint Overview
Complaint ID: 12719180
Company: Upgrade, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: South Carolina
ZIP Code: 290XX
Date Received: 2025-03-28T12:00:00-05:00
Date Sent to Company: 2025-03-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against Upgrade Inc. and XXXX for their failure to acknowledge my identity theft claim and remove a fraudulent account from my credit report. I was the victim of identity theft, and an account was fraudulently opened in my name with Upgrade Inc . I have provided sufficient evidence, including an FTC Identity Theft Report Affidavit, demonstrating that I did not authorize or receive any funds from this account. Despite this, Upgrade Inc. has refused to accept my claim, stating : After careful review of your claim and the documents provided to us, we are unable to substantiate your claim of identity theft. We are unable to proceed with confirming your identity theft claim without the additional information that was requested. They further stated that my outstanding account with them remains valid even though I never opened or authorized it. Additionally, XXXX has refused to remove this fraudulent account from my credit report, despite receiving proof that the account was the result of identity theft. Violations Committed 1. Upgrade Inc. and XXXX are violating the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) by failing to remove fraudulent information from my credit report. 2. Upgrade Inc. is violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 ) by attempting to collect on a fraudulent debt that is not mine. 3. Both companies are engaging in willful noncompliance and failing to act in good faith despite being provided with official documentation proving the identity theft.
Frequently Asked Questions
What is Complaint #12719180 about?
Complaint #12719180 was filed against Upgrade, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-28T12:00:00-05:00.
How did Upgrade, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Upgrade, INC.?
Yes, visit the Upgrade, INC. company profile at readthecomplaint.com/company/upgrade-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.