Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16281888
Complaint Overview
Complaint ID: 16281888
Company: Upgrade, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 76180
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Upgrade inc : XXXX XXXX XXXX rewards to XXXX XXXX Me : Not liable, dispute with XXXX credit bureaus. Upgrade inc : response to bureaus by excessing factor trust report to verify information, instead of verifying the information uses the information as a place to draw information from to replace what is currently on file. What this looks like, how to verify my statement or confirm, please visit XXXX website Complaints and the complaints related will look like this, Im locked out of my account, ive been charged multiple times, my user name wont work, i have tried updating my information and i can not? This is a normal practice that can explain most all the complaints submitted. If you try to correct this you will fail authentication and be denied access.
Frequently Asked Questions
What is Complaint #16281888 about?
Complaint #16281888 was filed against Upgrade, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-09-30T12:00:00-05:00.
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.