Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5110451
Complaint Overview
Complaint ID: 5110451
Company: Upgrade, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Illinois
ZIP Code: 60631
Date Received: 2022-01-14T12:00:00-05:00
Date Sent to Company: 2022-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Throughout XXXX, I was getting notifications via the Upgrade App that my account was past due, although I made the minimum payment. After the minimum payment was made, I continued to get notifications that my account was past due in the amount of {$2.00}, which should not have been the case but I paid it anyway. Days later, I received another notification stating my account was past due in the amount of {$2.00}, so I make another payment. Again, on XX/XX/XXXX, I received another notification stating my account was 29 days past due in the amount of {$0.00}. At this point I was very concerned and reached out to Upgrade support letting them know that I was concerned that my account was showing past due and I was further concerned that I would be reported as past due to the credit bureaus. I received a reply advising that these repeated notifications were due to a system glitch and assured that I would NOT be reported delinquent to the credit bureaus. Today, I received a notification from XXXX that my XXXX XXXX had dropped XXXX POINTS because Upgrade reported my account over 30 days delinquent in XX/XX/XXXX. This is absolutely unacceptable, inaccurate, and illegal. This error was already brought to their attention and even still I have endured serious consumer harm by way of my XXXX XXXX. I am very distraught. Please remedy immediately. Screenshots and company communication is attached here.
Frequently Asked Questions
What is Complaint #5110451 about?
Complaint #5110451 was filed against Upgrade, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-01-14T12:00:00-05:00.
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, credit repair services, 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.