Credit card or prepaid card -- Incorrect information on your report -- Complaint #5547122
Complaint Overview
Complaint ID: 5547122
Company: Upgrade, INC.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Florida
ZIP Code: 33076
Date Received: 2022-05-05T12:00:00-05:00
Date Sent to Company: 2022-05-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/22, I became aware of a hard inquiry on my credit report conducted by Upgrade. That day I spoke with Upgrade who informed me that someone had attempted to take out a personal loan and credit card using my identity. The identity thief was successful in obtaining the credit card and had been utilizing it. I filed a police report with my local sheriffs department and a FTC identity theft report on XX/XX/22 and sent this information to Upgrade per their request. I was told by Upgrade that the accounts would be closed. Upgrade then proceeded to report the credit card on my credit reports which totaled {$10000.00} in racked up charges. I disputed this account on my credit report with XXXX. Upgrade proceeded to deny the dispute and this fraudulent information remains on my credit report. Ive attempted to contact Upgrades claims department via phone and email multiple times with no luck.
Frequently Asked Questions
What is Complaint #5547122 about?
Complaint #5547122 was filed against Upgrade, INC. regarding Credit card or prepaid card specifically about Incorrect information on your report. It was received by the CFPB on 2022-05-05T12:00:00-05:00.
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 card or prepaid card) 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.